davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (VA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX at about XXXX XXXX  I had put a {$100.00} bill and two {$50.00} bills into my Bethpage FCUs farthest right most ATM. The machine then froze and read that I had only put in {$150.00}. I cancelled the transaction trying to get back my {$200.00}, but only received {$150.00}. I went into the bank the next day and told them what happened to which they replied they would investigate. I was credited the {$50.00} while they conducted their investigation and later noticed that the {$50.00} had been taken back out of my account, meaning my claim was denied. I went back to the bank on XX/XX/XXXX to ask why and they told me after their investigation into themselves they found no discrepancies with the ATM and that there was nothing they could now do. They gave me a phone number to call, which I called multiple times and not once was I received by a representative as they were always busy.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (MO)

On XX/XX/XXXX, I received a credit report alert of an account in collections. I had not received any communication prior to this. 

I called Wakefield and Associates to verify this debt was not a scam. They gave me information on when & where this bill originated. 

I contacted the billing department at the originating hospital. They verified the date of service and total amount. They verified that the account and visit in reference was paid in full in XX/XX/XXXX. 

I verified with my insurance provider and the original amount allowed matched the hospital billing records. Insurance covered the rest of the visit. 

There is no outstanding medical debt from this visit.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

To give you some context and brief backstory. XXXX XXXX XXXX credit card was around previous XX/XX/2023 sold and taken over by Barclays Bank. I have TWICE had this issue of making a payment over the phone with a CONFIRMATION CODE given and bank clearance only to have my payment NOT clear on their end giving this last time of lying claiming the inadvertent account number which with voice confirmation as well as it CLEARING my bank. I am a responsible RN for 20 years without interruption. And Barclays send a letter 11 days later with zero calls texts emails and charges me late fees and erroneous 30 days late fee on my credit. I spoke AGAIN WHERE I KNOW my voice is call is documented and recorded that after again a confirmation number given which they do not give UNTIL PAYMENT clears over the phone and frankly lied to. This is egregious business practice. 

My credit lowered almost XXXX points from their errors. This is habitually ONLY happens with Barclays and in the infancy of this business relationship. I have ALWAYS paid on time and take this very seriously. I spoke again XXXX and paid to get my account current and told to send their legal department information I am sending you folks with no avail. I have all supporting documentation clearing showing the payment and subsequent errors by Barclays Bank cc. I find this amazing and tedious and want THIS REMOVED IMMEDIATELY immediately and if not removed within XXXX business will have my lawyer help and escalate. I am a hard working high tax paying XXXX lady saving lives on a daily basis never asking for anything.
Consumer complaint received 2024-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

Fox Collection Center contacted me via mail in an attempt to collect alleged debts on XX/XX/23 and XX/XX/23. On XX/XX/23, I contacted Fox Collection Center requesting they provide validation of the alleged debts, pursuant to 15 USC 1692g of the FDCPA. Fox Collection Center failed to provide validation of such alleged debts within the requested time frame and is refusing to close the alleged accounts. I requested that the alleged accounts be closed on XX/XX/23, at which point I had still not received the validation of these alleged debts.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I have had an account with Wells Fargo for many years. Since XXXX  I believe. But my father warned me that the banks were all predatory institutions. 

I tried to stand up for the banks against this allegation. I believe it a begins with the checking account, establishing a facade of trust. Then credit cards are advertised, even when reason stipulates that spending less than what one earns is the only foolproof way to produce wealth. 

Don't get me wrong -- I believe that owing to my XXXX XXXX I probably could run a highly ethical banking operation myself. But I have been unable to find a single existing bank that won't fall prey to the contra-moral trap of becoming predatory. And it all began with Wells Fargo. 

I am still waiting for my XXXX application to be approved through the social security administration. Frankly, if more people understood the severity of repercussions that come from trusting a bank like Wells Fargo, we could probably sue for a lot more power than what we have right now. Note I said power, not money. Because I am not greedy, just highly abused and super defensive. I only want to exercise power in order to threaten those that threaten me. To protect myself.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

DEAR, EQUIFAX I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. 
I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Consumer complaint received 2024-06-20
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TX)

I set up a payment to be taken out my checking account for my car payment on XX/XX/2024. I received a notification on XX/XX/2024 that the payment didnt go through. I immediately made a payment to Santander Consumer Usa with the debit card associated with my checking account and made a payment for {$280.00}. My monthly payment for my car note is {$270.00} but I was charged a extra free to make a payment with my debit card. On XX/XX/2024 Santander took out another payment from my checking account for {$270.00}. Therefore a duplicate payment was made to them in XX/XX/2024. I have contacted these people NUMEROUS TIMES REGARDING THIS MATTER!! The same day they took out the last payment I tried to see if they would refund it back immediately because it took from my rent I needed to pay. I asked the rep over the phone why did they take out another payment and he said it was an accident! I was told I needed to send in documentation showing the payments had posted to my account. I have sent these people NUMEROUS DOCUMENTS SHOWING THE PAYMENTS HAVE POSTED AND HAVE BEEN DEBITED FROM MY ACCOUNT AND THEY STILL ARE WITHHOLDING MY MONEY IVE REQUESTED THEY REFUND! They keep making Excuses about the documentation sent but what im sending is what is on my bank statement and its showing the payments have been debited and posted but they are refusing to refund my money! I contacted them today and have also filed a complaint with the XXXX. When I contact them today I spoke with a XXXX who was Rude! I have sent them documentation today as well for my bank statement to their email. The executive office employees cant even do their jobs and refund the money! These people need to be REPORTED!! NO ONE CARES IF MY RENT IS BEHIND DUE TO THEM TAKING THIS PAYMENT OUT OR IF I HAVE ANYWHERE TO STAY! THESE PEOPLE LACK EMPATHY FOR THEIR WRONG DOING TO THEIR CUSTOMERS AND IM SICK OF DEALING WITH THEM! I WANT MY MONEY REFUNDED IMMEDIATELY!!!
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ACCT # XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (TX)

THE TOTAL VISA/XXXX XXXX XXXX ACCOUNT WAS FRAUDULANTLY SET UP BY ANOTHER PARTY USING MY INFORMATION AND I WANT THE FILE REMOVED FROM MY CREDIT FILE THE FRAUDULANT PARTY USED MY ADDRESS THE FRAUDULANT PARTY USED MY PERSONAL INFORMATION I DID NOT APPLY FOR THIS CRDIT CARD, I DID NOT USE THIS CREDIT CARD, I DID NOT BENEFIT FROM THIS CREDIT CARD. 

I HAVE PROVIDED ALL INVESTIGATION MATERIALS RELATED TO THE CYBERCRIME COMMITTED AGAINST ME AND THE FACTS CLEARLY SUBSTANTIATE SOMEONE ELSE HAD ACCESS TO ALL MY INFORMATION AND USED IT TO GAIN CREDIT TERMS WITH TOTAL VISA/XXXX XXXX XXXX AND I DEMAND IT BE REMOVED AS IT IS NOT MY ACCOUNT
Consumer complaint received 2024-06-20
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. (GA)

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 Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kikoff Inc. (WA)

On XX/XX/XXXX XXXX Company called XXXX XXXX had taken {$310.00} out of my account with. my knowledge. when asked to refund the unauthorized amount. they agreed and said they would refund it back to my account. It was not. refunded to my account. and I they had sent me an email stating that they were going to refund it. I do not owe this company any debt and have requested again that they refund it They declined to refund it still. even though it was an unauthorized amount. and they pulled the money from my account that my XXXX gets direct deposited to so They illegally. garnished money from a non-garnishable income.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I received a response from Chase but does not answer my question They say I have been given a coutesy credit but this only cancels {$60.00} payment I made XX/XX/XXXX I received XX/XX/XXXX letter It bascially says still researching If you see my info Following : This dispute has been in progress since XX/XX/XXXX My records show : XX/XX/XXXX ( {$60.00} credit ) XX/XX/XXXX rebill {$60.00} XX/XX/XXXX I made payment {$60.00} and not a credit XX/XX/XXXX ( XXXX ) credit Thus I did not get credit for dispute as there two credits, one rebill ( XX/XX/XXXX ) and my payment {$60.00} on XX/XX/XXXX statement In summary three {$60.00} billing ( including my {$60.00} payment ) and XXXX credits ( XX/XX/XXXX, XX/XX/XXXX ) so I fail to see where is credit XX/XX/XXXX Chase agent response said following : XX/XX/XXXX posting {$60.00} XX/XX/XXXX {$60.00} credit XX/XX/XXXX rebill {$60.00} XX/XX/XXXX ( {$60.00} credit ) NO WHERE DOES XX/XX/XXXX CHASE agent match my stsements with his data given Again help me understand two rebillings {$60.00} actual payment XX/XX/XXXX {$60.00} and XXXX credits XX/XX/XXXX and XX/XX/XXXX XXXX plus billings ( including XXXX payment ) and two creditis does not equal XXXX to my account
Consumer complaint received 2023-06-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have {$1000.00}, XXXX and XXXX in CD 's at Capital One BAnk which keeps refusing to give me my own money out of my CD 's despite having no reason to keep them. I am demanding my funds now and keep getting the same response that they are looking into two claims that they ckaimed were legally allowed to freeze my account which do not include my CD accounts. I need assistance getting these funds in full.
Consumer complaint received 2023-09-26
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: KEYCORP (OH)

I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX. We have a mortgage # XXXX serviced by KeyBank Real Estate Capital. Insurance and Taxes are escrowed by Key Bank with an annual escrow analysis performed. Sometime around XXXX last year my insurance came up for renewal. We presented the renewed policy to KeyBank and they kept rejecting it even though it had the appropriate coverage. KeyBank subsequently put a forced-placed insurance policy on our property even though we had the right policy all along. I requested for the forced placed policy to be removed when I realized this and presented the policy details. XXXX XXXX ( XXXX ) from KeyBank confirmed receiving all the appropriate policy details on XX/XX/XXXX and also confirmed that the forced placed insurance will be removed. An Escrow analysis was completed on XX/XX/XXXX, over a month after receiving the correct policy details but instead of using the policy details presented and accepted on XX/XX/XXXX, KeyBank went ahead and used the information from the forced placed insurance which was supposed to be removed to prepare an the escrow analysis, which resulted in a new incorrect monthly insurance escrow payment of {$7400.00} implying an annual insurance premium of {$89000.00} for the forced placed insurance versus the actual accepted policy with annual premiums of {$9600.00} and correct monthly escrow payments of {$800.00}. Starting with the XX/XX/XXXX payments, KeyBank has started deducting monthly escrow payments of {$7400.00} based on the removed forced placed insurance, instead of the {$800.00}. Key bank is now asking me to pay to prepare a new escrow analysis in order to correct this issue which was their making in the first place. In addition, we advanced the premiums of {$9600.00} for the XXXX policy renewals from our company accounts expecting to be reimbursed from the escrow account but KeyBank refuses to reimburse this amount. We need help to resolve this.
Consumer complaint received 2024-04-12
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (GA)

I asked Equifax to fix issues with items on my credit report not reporting 100 % accurately and not having permissible purpose for reporting to my file. The FCRA requires all information be reporting with 100 % maximum possible accuracy and with permissible purpose. Their so called " investigation '' hasn't fix a single issue on my credit report. It's been well over 30 calendar days since my last attempt ( s ) to fix this issue. It has been very detrimental to my health, because I am an elderly women, and lately the accounts have been taken a heavy toll on me mentally, because the accounts are inaccurately reporting, and adversely affecting my financial well being in a major way. Please remove or correct these negative accounts at once.