davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OR)

In XXXX of XXXX, I was traveling and lost my wallet- including my KeyBank debit card, ID with all of my personal information on it, and other key documents with information like home/billing/mailing address, email, etc. 
Shortly after, I noticed fraudulent transactions. I disputed these transactions with KeyBank as soon as I noticed them, and specified in no uncertain terms that they should only contact me via EMAIL OR PHONE, or mail any letters to the local branch, because KeyBank has a history of lying about sending me letters regarding my account/claims, and I wanted to be sure this didn't happen again. The representative agreed that my request for email/phone communication was noted and would be fully honored. ( This is important later, because KeyBank has failed to EVER honor this, including regarding this dispute. ) The charges I disputed are as follows : XX/XX/XXXX - XXXX XXXX | XXXX Fl XXXX - {$38.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX Fl XXXX - {$310.00} These charges were not made by me, were not made with my consent or knowledge, and are fraudulent, unauthorized purchases on my account that I should not be held responsible for. 
I informed KeyBank of this as soon as I became aware of these charges. 

On XX/XX/XXXX I was issued provisional credits for these charges. This has been the only action I've seen from KeyBank, and I have never once been contacted regarding these disputes, the dispute process, or any dispute findings/closure/reversal of credit. 

However, much to my dismay and surprise, on XX/XX/XXXX, KeyBank reversed the provisional credits- without any contact whatsoever, nor any justification or information. 

KeyBank also mishandled by outgoing withdrawal of a rent payment as a result of this, and has now put me at risk of losing my home. 

On XX/XX/XXXX, I inititated my rent payment using my KeyBank account. The money withdrew from my account, and I received an email notifying me of this transaction. 
On XX/XX/XXXX they incorrectly closed my claim and reversed the provisional credit, leaving my account overdrafted. 
They then chose to RETURN MY XX/XX/XXXX PAYMENT for " Insufficient Funds '' and place A HOLD ON MY ACCOUNT until XX/XX/XXXX for {$1900.00} - the amount of my rent payment, that occurred BEFORE they EVER reversed the provisional credit. 
This is a blatant mishandling of my account, MY MONEY, and has put me in jeopardy with my landlord and at risk of LOSING MY HOME. 
I put the rent transaction in XXXX. DAYS LATER they reversed the provisional credit, this should NOT impact MY RENT PAYMENT.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXX - {$1200.00} Account Name : XXXX XXXX  XXXX Account Number : {$1200.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXX Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ExperianXXXX XX/XX/2023
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

On XX/XX/XXXX I called into customer service at Bank of the West in inquire why my account was showing - {$27.00} on my mobile app. 

The associate advised me that I was not overdrawn and had {$10.00} in my account. I asked if she could reverse 1 overdraft fee as a courtesy and she explained that she could not because I have had 1 fee reversed in the last 12 months. 
I asked the associate to cancel my overdraft protection so this is no longer an issue and they said they would. 

I expressed great concern that I would be charged overdraft fees so again I asked if my account was overdrawn. She immediately replied that is was not and asked me if I wanted to speak with the online dept. to learn how to read my mobile app. As insulted as I was I explained that no further assistance would be needed and the call was disconnected. 

On XX/XX/XXXX ( next day ) I was assessed {$140.00} in overdraft fees and again on XX/XX/XXXX another {$35.00}. Assuming this was an error that would be cleared up by Monday I let it go. 

Monday XX/XX/XXXX I called into customer service again to express my concern and requested to speak with a manager. A manager named XXXX came to the line and heard my complaint. She stated that there were no notes from the associate I spoke with on XX/XX/XXXX and that she would have to listen to the call. I advised that I would hold while she did so however she then stated that her manager had to review the call. I asked to speak with this manager but was told that they were not available and would call back. I have been told this in the past with no follow up so I feel it is necessary to being this to the CFPBs attention.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am asking for your assistance regarding the incorrect account on my credit report. This issue has hurt my reputation as a customer, and I need your support. I want these accounts removed because they are being reported inaccurately and have a negative impact
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally complain about my persistent and unsuccessful attempts to correct inaccurate reporting regarding a late closed account on my credit report. Despite numerous efforts, this error has not been resolved, and it continues to negatively impact my credit profile. 

The issue at hand pertains to the reporting of a late closed account on my credit report, which is inaccurate. I have taken the following actions to address this matter : I initially became aware of the inaccurate late closed account on my credit report when I reviewed my credit report. 

I contacted your bureau to dispute the accuracy of this account and requested its removal or correction. I provided all the necessary supporting documents and explanations to support my dispute. 

Subsequently, I followed up to inquire about the status of my dispute and request updates on the investigation. 

Despite my repeated efforts, the inaccurate late closed account remains on my credit report, adversely affecting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer credit information. It is essential that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve this issue immediately by removing the inaccurate late closed account from my credit report. The prompt resolution of this matter is crucial for my financial well-being. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccurate information highlighted and proof of previous dispute attempts and communications. This late closed account should be removed by the credit bureaus : XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The 3 major bureaus held my information and incorrectly and improperly used my information causing me to be denied employment and housing. 
XXXX XXXX _ XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of BirthXXXX XXXX XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, This is my 3rd and final request!!!!! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I did not give permission to any of XXXX XXXX to release my information if I was to have an open account with them. You are in violation of the FCRA. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX Account number XXXX Amount {$17.00} XXXX XXXX XXXX XXXX Account number XXXX Amount {$1100.00} XXXX XXXX XXXX Account number XXXX Amount {$300.00} INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also please update the following information which I saw your credit bureau to be missing or incomplete : Please remove this incorrect employment information XXXX XXXX XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX I am disputing the following personal information that is showing for me which is incorrect Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I am allowing you 10 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results If not I will be seeking legal advice and filing a complaint with the FCC and CFPB.
Consumer complaint received 2023-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has sent a notification that they are threatening me by not allowing to payoff my loan per the schedule and over my remaining payments. My loan term is through XXXX but I have made early payments when I could. They are insisting that I pay it off 4 payments/4 months early. If I do not pay off they will take the money from my escrow account to payoff my balance and my recording fees. This is causing undue hardship as I must set aside {$300.00} per month for property taxes regardless plus their payment of 4 principle payments early plus recording fees totaling {$470.00}. Instead of my normal payment of {$400.00} I need XXXX this month to cover my expenses. This balloon payment was hidden and not fully disclosed at the time of my loan.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. EXPERIAN YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU XXXX IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN EXPERIAN OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT EXPERIAN HAS COMMITTED AND CONTINUOUSLY COMMIT : XXXX. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Since XXXX until now I have been sending Experian certified letters ( see several attachments ) requesting that they correct two XXXX XXXX  accounts with inaccurate and incomplete information that they continue to list on my Experian credit report. Despite my letters and information from the original creditor that contradicts them, Experian has refused to correct their errors and has only responded by saying the incorrect information has been " verified ''. This incorrect information is on the latest Experian credit report as of XX/XX/XXXX : 1. These accounts are reporting me dead despite me providing Experian with Proof of Life ( see attachment ) and multiple telephone conversation where they verified I was alive, 2. These accounts are still reporting Status of {$1900.00} and {$6500.00} even after they have been discharged by XXXX with 1099Cs ( see attachment ), neither of these Status postings should be on the report, 3. These accounts continue to lack my Notice of Dispute which I have requested of Experian despite my multiple dispute letters ( see attachements ). This is a violation entitling me to at least {$1000.00}, 4. These accounts are not reporting the Date of Last Activity, the Date of Last Payment, the Date of 1st Delinquency and the Date Closed ( see attachment ). and 5. Without those dates, the On Record Until dates are incorrect. 

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Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court
Consumer complaint received 2018-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (OH)

Today XX/XX/XXXX I received a call from Westlake Financial Services that they had taken over my loan from XXXX XXXX XXXX. I had received no prior notice giving me any time to refinance my loan thru another company as I do not want to do business with Westlake. I do not want to have my loan via a company that has had multiple lawsuits against them for deceitful lending practices as well as other concerning things like their deceitful debt collecting tactics. One of the lawsuits just ran out on XX/XX/XXXX for consumers to file against them. Which is very curious as to their take over 5 days later and makes me wonder if this is why there was no prior notice. I talked to Westlake and they could give me no information other than it was a " business decision '' and to talk to XXXX. Which every number i have tried for them goes to a generic voicemail. This seems very off to me and I would like time to find another lender for my loan. However I have a payment due in 7 days and I do not want to go thru Westlake. I feel this was done in a very unprofessional way and illegally as there was no notice of this takeover. And i have received nothing from either company with any of the details of my account or anything else. Yet Westlake expects me to just make my payment to them next week.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Theres a charge on my PayPal Credit card that I did not make. According to PayPal the transaction is consistent with my purchase history. An XXXX transaction in the amount of {$860.00} made in XXXX  I never made such transaction nor have made any previous transactions from XXXX for them to say it is consistent with my purchase history. Even though I told them that several of my accounts had been hacked and used fraudulently.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

There are hard inquiries from several companies I do not recognize. Such as, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX