davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: KEYCORP (PA)

KeyBank has been making my life XXXX! 
I submitted my original complaint to CFPB on XX/XX/2021, Complaint ID : XXXX. The company took over a month to resolve the issue, and in that time the original issue created additional problems, more bank fees! I have tried calling KeyBank to resolve these additional fee problems, and I've also emailed KeyBank. I have headed all of the instructions they gave me, but THEY STILL HAVE NOT RESOLVED THE ISSUE! KeyBank is so broken and disconected. Sometimes I called in and spoke to one person and the next time I called in, the original person that I spoke to had been " let go ''. I emailed a branch manager by the name of XXXX XXXX, as instructed by KeyBank staff. That email included call recordings between myself and the bank staff so that I would not have to constantly keep repeating myself over and over and over. I never got a reply to that email, and STILL no remedial action has been taken. KeyBanks website is it's primary way for customers to interact with their account, but the website is so VERY lousy. And it's not just on the consumer-end either. I've spoken to KeyBank reps and have had them access my account while on the line with me, and they see the same thing that I see which is very little insight into my account. I openly invite the CFPB agency to access my actual KeyBank account online, so that I can illustrate exactly what I mean regarding the poorly organized KeyBank website. As of the writing of this letter, XX/XX/2021 KeyBank has hit me with fees amounting to what I think is {$75.00}. The reason I say " I think '' is because KeyBanks website is so poorly organized as I've mentioned before. The online portal only allows users to see the last THREE months worth of transactions on the account, and then everything else just disappears. When calling into a KeyBank branch and speaking to a rep, I've had one rep tell me that there are no fees and another rep tell me that there are fees. KeyBank makes it so hard to work with them, and they have no problem calling me constantly for debt collection purposes. I have kept all call recording and email communication associated with this issue. I have attached some of those call recordings to this complaint. There are more recordings that I am unable to attach due to limited space.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several unauthorized inquiries on my Transunion report that they refuse to resolve. Customer Service would not take care of this issue. 

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
Consumer complaint received 2021-09-20
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (NY)

I've held Banco Popular 's XXXX XXXX Visa Card for a couple years. My annual fee for the upcoming year posted recently and I decided I no longer wanted the card.

Called to cancel the card and have the annual fee reversed since it is for the upcoming year ( XXXX ) and Banco Popular refused to credit me for the annual fee even though I am no longer holding the card ( it has been canceled. ) The annual fee posted on XX/XX/XXXX and the card was canceled several days after that. Further to this, Banco Popular is now charging me interest on the fee. 

Upon further inspection, I am not sure that Banco Popular has honored my request to cancel the card -- it appears to still be open on the online portal even though they confirmed to me over the phone that they had canceled the card.
Consumer complaint received 2021-09-20
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: Experian Information Solutions Inc. (FL)

I had an account with XXXX XXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX
Consumer complaint received 2024-01-30
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. (IN)

I am XXXX on a loan for a vehicle from XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is the loan company for the vehicle. The payments are XXXX XXXX behind and on XXXX separate occasions XXXX XXXX has done a hard inquirary on my credit without consent. Once in XX/XX/2023 and again just a few days ago. This is making neg remarks on the credit ive been working on building up.
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an account with XXXX XXXXXXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX
Consumer complaint received 2021-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

Months ago I submitted a complaint to CFPB regarding the fact that there are thousands of dollars missing from my CHASE savings account from a span of almost a year. Chase got in contact with me stating they have no ideas where my checks were deposited into as they do not appear in any of my accounts, they tried to trace them but have not provided me with any information. They even checked security footage and saw me personally deposit my checks. They stopped reaching out and I am still here out of XXXX  ( XXXX ) dollars I worked hard for. I have no access to my previous deposits so now I do not know if any previous check or cash deposits cleared!!
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IN)

Since the account closed in XX/XX/XXXX, I haven't received my funds. I called in XX/XX/XXXX and was told there was nothing in the account. I hung up and called again to speak with another representative and was told that that they have no way of getting into a closed account. I then called again XX/XX/XXXX and spoke with a young lady who had no idea what she was doing and cut the call short by saying she couldn't help me at all. Called again in XXXX with a young gentleman who said he could see that I had money in the account and that it was closed but there wasn't anyway to see if the check was mailed. Called in XXXX and spoke with a young lady who actually took the time to speak with a supervisor and after a long phone call was told that her supervisor was able to see that they did have a check made out to me and that it hadn't been cashed yet. They were going to mail it out to me and I should have received it the first week of XXXX and nothing yet. Called again on XX/XX/XXXX and was told that there were no notes in my account and they have no idea what's going on. She sent a message to another department that deals with closed accounts and she said someone would reach out to me. Haven't heard anything yet and I'm over calling them and going through the same story with nothing to show for it. I just want my money.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (MI)

I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DE)

I have closed my Chase credit card by paying the entire amount which I owed in the amount of {$300.00} on XX/XX/XXXX, that amount was withdrawn from my bank account as well. However the company attempted to withdraw money which was an autopay from my account every month since then and attempting to Charge me. I did call my bank, XXXX XXXX XXXX XXXX, and stopped this payment. 

Inorder to understand why Chase is attempting to withdraw money again which is an amount of {$400.00} as of XXXX, XXXX, I did speak to multiple representatives and they all provided me different answers. None of the representative was able to explain where this > {$400.00} coming from. On XX/XX/XXXX when I payed off the balance and closed my credit card, the representative I spoke with had clearly informed me of no further charges exist.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I didnt apply for anything with XXXX XXXX you will see there are no accounts with them. 
All these inquiries happened in a short period of time. During the data breach period. 
I filed a complaint to have these inquiries removed. All XXXX inquiries need to be removed or proof of application needs to be provided. All show on my Equifax credit report only.
Consumer complaint received 2024-01-30
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. (NJ)

Please remove hard inquiries 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 2021-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I bought my house @ XXXX XXXX XXXX, XXXX, PA on XX/XX/XXXX, and in XXXX, I took a Home Equity Line of Credit ( HELOC ) By XXXX, I forgot I had the HELOC. 
I went in Citizens Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX &, I saw my checking account, the HELOC account &, another checking account I thought closed by the senior representative, XXXX  , a decade ago! 
s I filed a complaint with the CFPB and received knee-high statements used in a bizarre manner yet no one contacted me!? 
The HELOC was used in a bizarre manner and the account XXXX XXXX me charged fees if I ever used the HELOC to make transfers when, in fact, there are no fees and he never closed the account! Now I know what money laundering is about & I have been paying since XXXX never knowing it was used because of no statement in 20 years!? 

Also, I saw that the account he was supposed to have closed remained open and a fraudulent XXXX XXXX check was deposited into the fraudulent account but io knew o made no claims with my homeowner 's insurance & I sat in XXXX XXXX XXXX office for 4 hours, only to learn what I already knew... I had no claim! 

Citizens used my vulnerability due to the loss of my mother in XXXX to their advantage and forced me to pay for what they know I never used 1. The PERSON FROM THE Office of the Chairman said " ... case closed! '' It is not closed as I am still paying for something I never used &, forgot I had! I also never got a statement! 
When I asked how I withdrew the money, where it went, they told me it was taken electronically ( how convenient for them as no camera view of person ) &, they couldn't say where it went!? '' I don't have any proof as I never got any statements for over 20 years until I filed a complaint with the CFPB in XXXX Statements show use in a bizarre manner but Citizens One did NOT contact me to check if it was me?. - {$10.00} five times a day or {$20.00} - 5 times/day!? 
I earned a XXXX XXXX XXXX with a XXXX GPA from a major university &, worked my way through undergraduate school as a XXXX XXXX. only saying because I'm an educated person and this makes NO sense. 
I never got a statement in 20 years and thought that was because I never used it! 
t thought banks are where I put my money to be safe! 
Citizens taught me that banks are NOT where I put my money for its safety!
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've placed more than 25 separate calls, attempting to resolve this matter, and the procedure is never completed. What's worse, they keep double-charging me every month for balances that are AUTOMATICALLY deducted from my bank account. 

If they balance is {$3000.00}, they deduct {$6000.00}. If the balance is {$4000.00}, they deduct {$8000.00}. The do this every month without exception, and take weeks to return the funds to my account, and only after I call repeatedly requesting that they fix the mistake. 

This has gone on for the last 5 months, and I still can't close the account. Bank of America is the worst.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of XXXX  for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have been applying for loss mitigation assistance with Carrington Mortgage Services , LLC for the past 7 months. I have provided all documents 5 different times and on the phone they say they have everything they need. Then after a couple of weeks I receive letters stating that they need additional documents but they do not state what documents are needed and when I call them they either say they don't have everything or the time has lapsed on certain documents which I in return send them the updated documents immediately. I have email trails for sending them everything multiple times. Also have mailed them with USPS on multiple occasions. I just would like to pay my mortgage every month and not be worrying about foreclosure.
Consumer complaint received 2023-03-06
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. (MS)

Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX This company reported an account with XXXXXXXX XXXX XXXX  as a charge off. A charge off is considered defined as taxable income. Why is income being reported on my consumer report. It is illegal to furnish income on a consumer report.It cant be considered both income and debt which is it? You are violating my laws and preventing me from being successful in life. Please remove from my consumer report immediately. 

My rights as a consumer are protected under Title 15 chapter 41. 15 USC 1601 highlights the consumer informed use of credit. At the time I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding and misinformation.
Consumer complaint received 2021-03-14
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. (FL)

I sent a personal information update request to the credit bureaus, to make sure that the personal information was reported accurately. In response to my written response per my rights, they responded in a email and not in a written response as I requested. I would like to make a formal complaint that they did not honor my request per the law, and refuse to update the information that is reporting on my credit profile. I received the email back from Experian on XXXX and have not received any updates.
Consumer complaint received 2021-01-05
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. (LA)

On XX/XX/2020 I submitted a report to Experian to have XXXX XXXX removed from my credit file. Months before then I also requested it be removed as well stating that I do not own the account due to the fact one it was under litigation. The litigation has been resolved the class action lawsuit has been resolved I sent in a dispute saying this information in which Experian stated " they never received " I filed a complaint online with the CFPB in which '' they indicated they wasn't sure who I was ''. I contacted Experian directly in XXXX of 2020 in which I spoke to 2 representatives one indicated that I would have to speak to a specialist as they only have specialist on the ( Disputes ligation accounts ) I spoke with the representative and they indicated they didn't see anything beside one upload from me and to send it again or by mail. I have sent this dispute several times and is now frustrated. Then was told I am selecting the wrong option. I am no longer given an option to say it is litigated. How will I state this class action law suit has been settled?

I have included : Payroll - Check ( verifiying my identity ) DL SSN Letter from the debt collector it was sold to.

Statements and web registration code of the lawsuit all attached to this claim please have this information removed IMMEDIATLEY as this is damaging my ability to obtain credit.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I found out online that I am a victim of Equifax data BREACH settlement, I've tried to get my credit report and show proof that I have tried to dispute issues and I can't get it because I would have to send my identity and other forms. I'm left in the dark on this and I need to get my life back on track. 
I can't get any form of financial assistance or even a credit card or store credit. I need my information for the settlement and I can't provide it. Also other settlements going on that I didn't know about that I would be involved in, I want disputed. I've had nothing but problems All my adult life with trying to get my credit good so I can live the American Dream. Please Alert Me when my information is BREACHED hacked sold. This is embarrassing and important it gets taken care of. 
Thank You.
Consumer complaint received 2023-03-06
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. (CA)

In accordance with the fair credit report act, this creditor has violated my rights under " 15USC1681 Section 602 '' states that I have the right to privacy.

" 15USC1681 Section 604A, Section 2 '' it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under " 15USC 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.