davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (OH)

BBT Bank made me a {$200.00} reward offer If I opened a new checking account which I did on XX/XX/XXXX and met certain requirements including 2 direct deposits within 60 days of opening. I met all the requirements as stipulated in the offer. Under terms of the offer, the {$200.00} reward would be applied by XX/XX/XXXX. Even after several invalid excuses, they have failed to keep their promise
Consumer complaint received 2022-11-01
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: JPMORGAN CHASE & CO. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Billing ERROR- XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX, XXXX, XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA
Consumer complaint received 2021-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple requests to have grossly inaccurate information removed from my credit report. 1. XXXX has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay. 2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation. 3. XXXX is harming me and causing me undue hardship. 4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus. 5. TransUnion and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information. 6. All three bureaus are reporting inaccurate personal information and wrong addresses. 7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation. *Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file. Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

Carrington mortgage company purchased my mortgage loan from XXXXXXXX XXXX on XXXX of 2020. I filed a joint chapter XXXX bankruptcy in XXXX of XXXXwhich discharged the loan as part of the bankruptcy proceedings. After multiple attempts to call and resolve this issue with carrington mortgage company they have stated that the bankruptcy only applies to my ex wife and does not include me. I have spoken to the trustee who handled the bankruptcy and confirmed both parties, my ex wife and myself, are included in the bankruptcy. I am now being harassed with phone calls and emails from carrington and negative remarks on my credit report. Representatives from carrington have also stated they will continue to pursue legal action and continue to contact me if I am unwilling to make a payment. This falls under the Stay violations and the discharge violations, along with violating federal bankruptcy law and the FDCPA, violating federal law, namely section 524 of Title 11 of the United States Code. If this matter is not resolved on my credit report and with carrington I will be forced to contact an attorney and file harassment charges and seek compensation to pay attorney fees and compensation for their violation of the bankruptcy code.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (FL)

I HAVE AN ACCOUNT WITH YAMAHA FINANCIAL SERVICES/YAMAHA MOTOR FINANCE. I HAVE PAID WAY ABOVE THE MIN REQUIRED PAYMENT SINCE I TOOK THE LOAN OUT FOR MY NEW 2020 YAMAHA BOAT. WHEN I CALLED THEM THEY ADVISED ME THAT MY INTEREST PAYMENT IS IN ARREARS. THIS CAN NOT BE POSSIBLE. I HAVE REQUESTED AN AMORTIZATION SCHEDULE FOR MY LOAN AND A STATEMENT OF ALL PAYMENTS MADE WITH A BREAKDOWN OF HOW EACH PAYMENT WAS APPLIED AND THEY REFUESED MY REQUEST. I AM NOT SURE WHAT ACCOUNTING SYSTEM THEY ARE USING BUT SOMETHING IS WRONG HERE. THERE IS NO WAY I AM BEHIND ON INTEREST PAYMENTS FOR THIS ACCOUNT. THIS IS MY SECOND REQUEST TO INVESTIGATE HOW YAMAHA IS HANDLING MY ACCOUNT. SOMETHING IS NOT CORRECT HERE. THIS LOAN IS A 15 YEAR LOAN, NOT A CREDIT CARD. EACH PAYMENT SHOULD CONTAIN PRINCIPLE AND INTEREST PAYMENTS. I HAVE MADE PAYMENTS OVER THE AMOUNT REQUIRED TO PAY TO KEEP THIS ACCOUNT CURRENT. THERE IS NO WAY I AM IN ARREARS IN INTEREST. CAN SOMEONE PLEASE INVISTATE THIS COMPANY. I NEED AN AMORITIZATION SCHEDULE AND A COPY OF MY COMPLETE PAYMENT HISTORY. PAYMENT HISTORY ATTACHED.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX ( Finance ) inquired on XX/XX/XXXX ; XXXX XXXX inquired on XXXX XXXX, XXXX ; inquired on XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX  XXXX inquired XXXX XXXX XXXX XXXX XXXX ; XXXX inquired on XXXX XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

I C System has placed a collection on my credit profiles claiming that I owe {$230.00} to XXXX XXXX. I've NEVER had services with XXXX  before as I've used XXXX or other services under the XXXX XXXX XXXX. I'm not sure how they tied my name with this erroneous debt! I've contacted this company twice by mail ( in which I have the USPS tracking number as proof of delivery ) and three times by phone. They have yet to resolve this issue. They have yet to verify with my signature or any other means because they can't.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (IN)

I am unemployed in Indiana and receiving employment benefits by the state that are auto deposited into Key Bank. Key bank and the employment division had issued me a debit card where I was able to access my benefits each week on Mondays. I have been receiving these benefits for about three months in this manner. Today I went to the Key Bank ATM at XXXX XXXX XXXX in XXXX Indiana to withdrawal my benefits. The ATM machine had some kind of mechanical issue and during the transaction put a message on the screen that " this machine is being serviced at this time. You can use your ATM card at any participating Key Bank location ... '' and the machine tried to return my card. It made some strange noises from the card slot like it was trying to eject it but it never came out. 

I went inside to explain that the atm had some type of problem and did not return my card. I asked the teller to return my card to me so that I could withdrawal my funds from the account. He told me since it was a state employment card and not a key bank atm card that he could not return it. I asked him to then let me finish my benefits withdrawal and he would not do it. I asked him several times to give me my money and he told me to leave. 

I called corporate office at XXXX and spoke to XXXX XXXX part of the " white glove '' team for customer service. I explained the situation and that it was theft that the bank has refused to allow me to withdrawal my money from their bank. They told me they were going to investigate it and get back to me asap. 

I am unemployed and so is my wife. I have XXXX kids at home and we depend on that very small amount of money each week to feed our kids. At this time I do not know how or when I will receive my money or if I will ever. I called the bank manager again at the branch were this happened and he told us that he destroyed the card and that I would have to order another one. Because this card comes from the employment office and not directly from the Bank, it may take weeks for me to receive a new card just to be able to withdrawal my weekly benefits. 

I am outraged that a financial institution that has been entrusted with the money of the State of Indiana that is allocated to unemployed beneficiaries for those funds and they have chosen to withhold my benefits without cause or any due process. This equals theft of my money which is also governmental funds.

Key bank needs to be investigated and this privilege for Key bank to be able to manage these funds needs to be revoked since they can not be trusted to take care of the many thousands of citizens that are struggling due to Covid-19. This overt act of theft is criminal and needs to be prosecuted. 

I would like CFPB to investigate this to find out if other people are experiencing these activities and to get my benefits paid to me immediately.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NC)

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. 

XXXX XXXXAcct XXXX XXXXXXXX, 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 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 2023-06-02
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. (GA)

I have mailed the credit reporting companies and the company ( Arkansas Child Support ) that is reporting to them. They always reply that the account is verified but havent provided me any proof
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
My account is more 180 days, I sent all my info for get verify. 
Please I need you help me with this issue. 
Let me access to my money please. 
I see my account don't have any dispute or chargeback. 

my email is XXXX XXXX
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for ligitation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (TX)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX/XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (AZ)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2022-11-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXL Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX