davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

I lost my debit card and I have a copy of it on my " XXXX XXXX ''. In addition to that I didn't realize my debit card was missing because I have all of my bank cards on my " XXXX XXXX '' so when I finally realized I lost my physical debit card, I immediately call " Key Bank '' and I told the representative what happened and as we were on the phone the thief did a with-drawl and I pointed that out to the representative.It 's been four months since they did anything about it, every time I call they would always give me the run around and give me false dates to expect the " provisional credit ''. Last minute they told me that my claim was denied because it was me that went to the bank to make that withdrawal. they claimed to have CCTV footage of me taking out cash, They claimed the person had dread locks and I don't have long hair i have a short hair cut and I'm XXXX and XXXX the person they described was a completely different person from me. I was told to send a selfie and a picture of my state ID which I did and they still didn't reimburse my money and this has been going on for four months now and I think its very unfair the only reason I even started banking with them was to start saving and eventually get a credit card with their institution. My account was even closed and at this point i am desperate and i do not know what to do, I need the funds asap because i am way behind on bills at this point and even missing meals because of this situation. I sent them proof and I've been inside the key bank institution once and thats when I went directly to the teller and made a deposit into my account for about " {$5700.00} ''. This might not be the exact amount just to be clear but it was around that amount.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/2024, between approximately XXXX and XXXX CST, I attempted to withdraw {$1000.00} plus a {$4.00} service fee from my checking account using my XXXX Navy Federal credit union debit card at a XXXX XXXX XXXX drive-up ATM ( ATM ID # XXXX ). During the transaction, the ATM failed to dispense the requested cash but returned my debit card. Suspecting a glitch, I attempted a second withdrawal of {$200.00}, which resulted in an error message from the ATM stating the request could not be processed, and my card was returned again.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (PA)

To date, I as the consumer, have consistently made complaints about the violation of my rights with the CRA and the companies that engage with them. XXXX, EQUIFAX, and XXXX each continue to report inaccuracies without care to my privacy or the FCRA. The FCRA is federal and overrides all company policy. Furthermore, I was never given option to opt out of their services. While they took the liberty to obtain and distribute information, they are to remain fair and unbiased. They failed in that. 15 USC 1681, specifically 604A ( 2 ) states that a CRA can not furnish a account without my written consent. To date, I have not been contacted nor provided such consent. 15 USC 1681, 602A states my right to privacy. That has been grossly mishandled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Incorrect information on my credit report with 2 closed accounts with Capital One balanc of {$460.00} Opened XX/XX/XXXX closed XX/XX/XXXX & another capital one account balance of {$150.00} opened XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2023-09-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have a debt in collections on my credit report that I was never notified about. The debt is not mine. I paid rent signed the paperwork to end the lease and paid all debts that were owed. I moved out of the apartment on short notice due to be XXXX with the XXXX. I cleaned the apartment and left it cleaner than I found it I have documentation requests for maintenance and complaints to the leasing office about odor in apartment capret when I first moved in. The bathroom cabinets were not clean, there were nail clipping in the carpet as well. I moved out of the apartment 6 months ago and have received no communication from the apartment, XXXX in XXXX XXXX, Texas or from the debt collection agency. When I called they are saying the extra charges are for carpet cleaning fees due to dog pee but I did not have an animal in the apartment. The person that lived there before me did and I told them that it smelled like dog pee. I have attached a copy of the email that I sent to the leasing office when I moved in XXXX of XXXX stating that there was a urine like odor in the apartment that was making me nauseous. These charges have been unfairly assessed to me and I want them removed from my credit report.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NV)

Information was removed from Credit reports Experian, XXXX and XXXX due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 a account without my written instructions.
Consumer complaint received 2023-08-31
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6200.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$550.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX 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 Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has a student loan listed on my account that was transferred to another lender. The loan that was with XXXX was transferred to XXXX. The loan was subsequently forgiven under the XXXX XXXX XXXX XXXX XXXX. I filed a dispute with a statement that showed a XXXX balance on both loans. They still have the loan as open with XXXX. XXXX has it correct. XXXX doesn't have any of my student loans at all. The crazy thing is that Experian has the loan listed twice with XXXX. Once as still being open with a {$25000.00} balance and once with a XXXX balance. I can't understand why they don't see that the account numbers are the same. I want this removed from my credit file immediately. The loan shows a XXXX balance with XXXX.
Consumer complaint received 2023-08-31
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc. (PA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I reached out to my car loan through Citizens in XXXX XXXX  to apply for a deferred payment for XXXX XXXX XXXX. I applied for this deferred payment plan due to a family members death. We helped our family with some of the funeral expenses. My application was approved over the phone. They stated that they were going to send me some forms via email to sign. They also informed me that once they receive the forms they would reverse the 30 day late hit on my credit. I called them on XXXX because I noticed that there is a negative remark on my credit report showing the 30 day late hit from XXXX Citizens refused to reverse it. They only reversed late hit from January and not to XXXX even though my payment deferred was approved for those two months. They advised that I could appeal it with the credit bureaus and gave me no further options to solve this. The only reason why I applied for this deferred payment is because they offered it. I accepted the offer since my family was going through a loss. I didnt want to fall behind even more.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting causing damage to my reputation. 

Provide the documentation requested OR delete these items before that time or I WILL FILE FOR LITIGATION.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group (FL)

Last XXXX I called and closed my account with XXXX XXXX ( XXXX XXXX XXXX ) to which they complied. However I had a balance of {$400.00} on the credit card. This company decided to contact a third party collection agency and " assigned '' the debt to them but I never signed off on that which makes their collection practices illegal pursuant to the Fair Debt Collection Practices Act. Additionally, the Credit Card Act of 2009 ( which is part of the Truth in Lending Act ), to be specific 15 U.S. Code 1637i ( 4 ) any closure of an account does NOT constitute default and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor. Additionally, XXXX XXXX is supposed to enter into an amortization period of no more than 5 years. I demand that they correct this issue immediately.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

I presently have a line of credit with the company and expected to pay principle and interest payments to pay off loan and there is an additional fee called customary fee. This fee is much bigger than principle and they take this along with the interest and much less is paying off towards principle. Ive had this loan since XXXX XXXX of 2023, and have barely paid it down. You get locked in and it doesnt seem to be going down in principle. The I initial loan amount was {$1500.00} and I pay average of {$470.00} a month and once paid it only takes about XXXX XXXX {$60.00} in principle.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Pentagon Federal Credit Union XXXX XXXX XXXXXXXX Above Accounts created under respective creditors without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 

And one more thing according to 15 USC 1681s-2 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 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

CKS Prime is attempting to collect a debt that I do not owe, they claim that they are an assignee of a creditor that I owe money to however I have never signed any agreement that stated that they were an assignee. If this company believes otherwise then I demand that they show proof that I agreed to them collecting. If they can not then they are attempting to collect a false debt which violates the FDCPA.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (ME)

Coinbase sent a notification that they would be manually verifying my account ( XX/XX/2024 ). The same day, they sent a notification to my email that my identity had been verified. When I tried logging back in, my password no longer worked, and I was not receiving password reset emails from the reset procedure. I called on XX/XX/XXXX to resolve this, and the customer service agent was not able to verify my account, based on a non-existent email account, despite the fact that I have been receiving notification about this account to said email prior to this problem. I called again on XX/XX/XXXX to try to resolve this again, and the same response was received : they were not able to verify my account, regardless of the fact I have provided email and social security number information. I have more than {$1000.00} invested in this account and need help to access this.
Consumer complaint received 2024-05-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

Received a digital American Express rewards card. For {$15.00}. Redeemed from Inbox Dollars. However, it can't be used anywhere. I tried multiples different sites. When I try to check the balance I get an error. I've called them twice and they just repeat themselves with no solutions. Telling me to try a different website or use in store. It's a VIRTUAL CARD!!!! The problem is there is no name or address attached to the card which pretty much EVERY site asks you to confirm. They claim they are unable to add this information either. After a XXXX search it seems like there are MANY MANY people with the same problem. This Amex gift card thing needs to be SHUT DOWN because they are stealing from people. I want my {$15.00}. It's been almost 2 weeks now!!!! I had a similar issue with a digital XXXX and guess what? They fixed it! Easy peezy. 
I WILL NEVER DEAL WITH AMERICAN EXPRESS AGAIN!!!!!
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I put all my Syncrony cards on paperless after they said theres a fee and now theyre charging even though I received NO statment, they also lowered my credit rating that now impacts my overall credit worthiness by raising my useage even though Ive no late payments, its on auto pay and I rarely use it because of skyrocketing interest rates. I filed with the XXXX  but that went unanswered and I feel this is retaliation for the XXXX  complaint If they say its because of my credit useage its truly because they lower limits and that falsely shows high useage..
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (AZ)

On XX/XX/2024, I had called Money Lion and alerted them of an attempt to debit my account for a certain amount that I wasn't recognized. They assured me that the transaction wouldn't go through on XX/XX/XXXX the account was debited and then on XX/XX/XXXX there was only {$36.00}. I had to transfer to another account now they are telling me I have to wait 90 days to get my money back too long of a time to get credited after I tried to for-warn them.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IN)

I have been banking with chime for over the last 4 years. I recently XXXX with my XXXX and have been working for my job for the last 2 months. My checks have always been deposited to chime since I had my chime card. Yesterday XX/XX/year> my check was deposited into my account in today on my lunch I went to grab something to eat tried to withdraw money in my account was closed by Chime without any notice and funds were not recover I have my statements for my account, I've talk to representative from chime and they cant give me any information on why my account was closed and they continue to hang up on me for even asking I would like my funds to be return to me asap for I have bills due