davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CO)

On XX/XX/XXXX around XXXX, I attempted to make a cash deposit of {XXXX into my checking account via XXXX at a KeyBank XXXX XXXX XXXXXXXX XXXX XXXX  XXXX The ATM accepted the cash, kept it, but did not credit my account. Instead, i was given a slip saying there was an error and to resolve the issue in person at a branch. 

When I returned the very next day, when the bank was actually open, they acknowledged that the XXXX had extra cash  stuck inside but did not count it or seemingly do anything to keep my funds from being lost. They told me they filed a dispute and would conduct an investigation. 

When I returned on XX/XX/XXXX, after receive absolutely no communication as to the results, i found that the teller had not filed my dispute to the correct place and my claim was denied. The person helping me at this point claimed to pass it off to his XXXX and the original teller that filed my dispute to the wrong location. At this point they told me they would call me on the XXXX to inform me of more details and a possible provisional credit. 

Today is XX/XX/XXXX, and i have received no communication. I also sent an email to their customer service over a week ago, with no follow up communication. 

At this point, I've been into the branch in person twice ; reached out electronically ; given them more than the 10 days the electronic funds transfer act allows them without a provisional credit ; they have never even admitted to taking my funds in the first place, beyond saying the found some cash in the ATM that morning. I don't see a difference between my situation and handing my money to a human teller, who then loses it and denies me ever handing it to them.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

I am a victim of identity theft from XXXX XXXX till XX/XX/XXXX XXXX XXXX unauthorized transactions was made on my account without authorization I have reach out to chime this theft was able to link there debit card number ending XXXX to my chime app without authorization the theft was able to hack into my chime app because they had stolen my phone that chime app connected to in was able to make 75 unauthorized transactions I have sent chime proof of debit card that was link to my account this theft was able to steal over XXXX out my account yes I have open multiple rebuttal because chime is not doing a good investigation I call chime to report someone has access to my debit card in they have link there debit card that is not in my name to my account without authorization in chime close my account on XXXX XXXX the credit that chime place in my account I never was able to use the funds yes they sent the {$45.00} dollars check but what able the rest of my money from 75 unauthorized transactions I have sent multiple documents chime did reopen my account back on XXXX XXXX I was trying to gain access to my account in notice the theft card was still link to my account I did not cases any fraudulent activity on my account I reported this issue to chime and they is doing nothing they close my account when I call in reported this issue thats not fair to close my account when I call in reported chime app hack in card information has been access without my authorization.I have provided the theft card information in bank information that was link to my account without my authorization in case my account to become close with chime in was able to steal my money in chime is refusing to do anything about it I was able to obtain theft documents from police
Consumer complaint received 2017-07-17
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. (LA)

XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX   XXXX  XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX . XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX  XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with  XXXX , Experian, and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to  XXXX ,  XXXX , and Experian. In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to  XXXX  and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted  XXXX  and  XXXX  in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by  XXXX  and  XXXX  I wish that  XXXX  and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Confusing closing, charged a higher interest rate than originally quoted. Mortgage loan officer did not attend as promised. The closing agent attempted to contact the Wells Fargo loan officer but loan officer didnt answer the calls. 

I also had a problem with Wells Fargo failing to process mortgage payments timely and accurately. Resulting in missed and late payments charges Mishandling my payments. They even returning payments to me and later claiming that payments were not made. Wells Fargo said I defaulted on the loan and proceeded to wrongly foreclosure on my family home. My husband XXXX children and I were homeless.
Consumer complaint received 2017-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Midwest Finance Corporation (TX)

I never gave this company permission to contact me at my current place of work and they constantly harass me at work or at home and when I tell her I do n't have the money she threatens to involve the cops when I have done nothing to get me thrown in jail.   XXXX   is rude in how she goes about charging her customers because I 'm not the only one who has had this experience with her, she also told another client she had that she did n't want her to lose her papers because " she knew she was trying to get her papers fixed '' when the person in question was born in the United States. If I tell her that I do n't have money she gets mad and tries to make her own date to make me pay.
Consumer complaint received 2022-11-27
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. (IL)

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. 

These below accounts have violated mt rights : 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 XXXX XXXX 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 2017-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I opened a TJX Rewards Credit Card account in  XXXX  on Synchrony Bank with a credit limit of {$300.00} and I paid on time never missed a payment. I paid off my off my balance on XX/XX/XXXX  and I have not used the card since. I received a letter from Synchrony Bank saying they have closed my account due to 1 ) number of accounts with delinquency, 2 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. 3 ) Proportion of loan balances to loan amounts is too high. 4 ) Length of time revolving accounts have been established.
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I never heard of this because there was no problem until I paid my account off and stopped using the card. I can do without this card but the principal I did not ask them to cancel the card. I do n't have a number of accounts with delinquencies and what gives them the right to cancel which dings my credit.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This past Friday ( XX/XX/XXXX ) I did my usual cash withdrawal in the Bank of America branch ( part was used for my sinking funds, the remainder to finish some savings challenges ). After hours and having completed several savings challenges, I had {$410.00} that I had saved, and I went to the drive thru ATM in XXXX XXXX  SC. It was after hours, and I really should have gone in to see the teller on Monday, but I risked it. The ATM spit out an error and none of the {$410.00} was credited to my account. 

I got the receipt and called the number on the paper, which was to the Claims Dept. The lady I got on Friday evening told me I would get a temporary credit by Tuesday ( XX/XX/XXXX ). I began refreshing my BofA app starting at XXXX on Tuesday, as I really wanted to use these funds to help with car maintenance. Unfortunately, the funds were never credited to my account. In a state of panic, I called the Claims # again, but this time I was told that it would be XX/XX/XXXX before I would even see a credit, but that they would put in a hardship escalation to get my funds in my account. 

I happened to be in the XXXX XXXX branch this afternoon, cashing a check and mentioned it to the Bank Mgr, ( XXXX ) who was very kind. She told she would follow up with the claims department as well. In the meantime, I called the Claims department on my own, and was again told that the escalation was denied and that my deposit required more investigation. All of this made it seem like I was under investigation personally, which is wholly unwarranted and entirely mean spirited. 

All I am asking is that the funds, my {$410.00}, be credited to my account as promised, immediately and without delay. In return, I will refrain from using the ATM for any deposits or withdrawals going forward. I know this email is a long shot to get what is mine, my money that I worked so hard for and saved by being diligent, just credited to my account. 

Any help in escalating or resolving this matter would be greatly appreciated.
Consumer complaint received 2024-03-30
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: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX  is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, I noticed that there are many variations of my name, address, and old employer information. I can not receive any mail at the addresses listed on my credit report. I do not know who those other variations of my name are. 

This is a violation of 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Consumer complaint received 2024-03-27
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. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
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. (GA)

Experian continues to state they've verified information on a bankruptcy. However, I tried calling the bankruptcy courts phone listed on the record and it's been disconnected. It's clear this information was vetted out correctly. Experian do not verify information and the record needs to be deleted.
Consumer complaint received 2022-11-29
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. (CA)

I contacted Transunion in XXXX and again on XX/XX/22. I have requested several times that they remove personal information including all old addresses, phone numbers, employment, public records for my bankruptcy, inquiries and accounts from my report. I stated federal laws explaining to them that they are illegally reporting these things without my written consent in which it has been causing undue hardship, defamation of my character, stress, embarrassment and most of all has prevented me from obtaining goods and services for my personal and family purposes. Transunion has failed to honor my request and continues to report illegal and incorrect information on my consumer reports further continuing to hinder me in excelling in life and allowing any business that I initiate into a consumer transaction with to discriminate against me because of the incorrect information provided by Transunion on my consumer report.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

I was told by Apple that my XXXX  account was banned. I was not told why this happened, but I could no longer access my account. I applied to an Apple Card and now I no longer can pay my bills or use the card online.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit abandoned this claim after collecting payments towards balance in 2019. After 2 years Midland demanded to start collecting payments again. My banking info never changed so I dont know why they stopped collecting automatic payments. They abandoned the debt by being inactive for the length of time they were not taking payments. Midland was not in communication during those 2 years. The amount that I owe is wrong and by abandoning the account Midland should remove i from appearing on my credit report.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I filed for bankruptcy from  XXXX  to  XXXX . The credit card   XXXX    through   XXXX   XXXX   was placed in the chapter   XXXX   bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss  XX/XX/XXXX  and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
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I contacted   XXXX   XXXX   several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.
Consumer complaint received 2017-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (IN)

Perfomant Recovery  calls my work everyday after several coworkers and my boss told them they ca n't give out personal information or take personal calls at work. My supervisor has told them repeatedly not to call back. The number they 're calling from is  XXXX .
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (UT)

{$420.00} Open balance CAPITAL ONE NATIONAL ASSOCIATION Original creditor Opened XXXX XXXX, XXXX ( 4 yrs, 1 mos ) XXXX XXXX is the company that has it now. 
Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Bay view loans continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .   XXXX   already shows the corrected information that matches the legal document, yet   XXXX   XXXX   is still receiving incorrect information. All documents have been filled with the court system.
Consumer complaint received 2017-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TN)

I initiated the bank to bank transfer with Wells Fargo to transfer {$1800.00} from   XXXX   XXXX   XXXX   XXXX   to Wells Fargo on   XXXX    XXXX , 2017. On the morning (   XXXX   XXXX   ) of  XXXX   XXXX , 2017 I called to cancel the web transfer, and was told by a Wells Fargo customer representative told that the transaction would be cancelled. Later that day, I check my   XXXX   XXXX   account and the funds has been withdrawn. I then called   XXXX   XXXX  , and was told to they would start an investigation. In the meantime, the funds were not appearing in my Wells Fargo account or back in my   XXXX   XXXX   account. On  XXXX   XXXX , 2017 I received a fax confirming that funds were transferred to Wells Fargo. I then called Wells Fargo because the funds were still not showing in my account, and had to start another investigation. I was told it would take up to 10 days to research my claim. That amount of time is unacceptable, as I do not understand why they are unable to find my funds relating to this transfer.