davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CO)

I am an XXXX  who issued two direct deposits to a Key Bank account belonging to an employee. XXXX deposit was for the amount of {$510.00} and the other amount was {$510.00} I issued these XXXX transactions on Wednesday XX/XX/2022 along with regular payroll issued to nearly XXXX employees. All other employees who have other banks received their funds on Thursday XX/XX/2022. The Key Bank account holder was told that funds would not be made available until Monday XX/XX/2022. 

I spoke with the Key Bank consumer department at XXXX MST on XX/XX/2022 and was told that although Key Bank XXXX indeed receive the funds, they would not make those funds available to the account holder because today is a federal holiday. Key Bank insisted that the settlement date was XX/XX/2022 which is not correct as the funds were issued XX/XX/2022 with a settlement date of XX/XX/2022. 

I escalated the call to a supervisor who informed me that although they are able to verify that they did indeed receive the funds, there is no employee of Key Bank who has the ability to make these funds available to the account holder. 

I issued the XXXX XXXX day early in order to ensure that all employees were paid on time. Key Bank is in violation of Federal law in delaying the availability of these funds.
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (TN)

I've been receiving calls since XXXX of XXXX for an alleged debt for XXXX, a cable company in a former residence of mine. I never had an account as cable was handled 100 % by the apartment complex and included in rent. 

Nonetheless I asked for account details and they had dates that were completely wrong. I didn't even live in the city when they stated my account started. I verified this with XXXX as well. 

I have asked for proof of this debt, given Credit Protection Associates my address, and they have not sent a single thing. 

The " proof '' they have is not accurate and I have not witnessed it myself. 

*Note* A different company attempted to collect for this same debt in XXXX and XXXX had 0 record of my account, but now they claim to. How could I not have any information in XXXX, but suddenly do in XXXX? 

I originally submitted a complaint in XXXX of XXXX with the CFPB. Case number : XXXX
Consumer complaint received 2020-01-06
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. (CA)

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I have multiple accounts with Chase. One of the accounts was overdrawn and I was charged 2 NSF fees that I didn't dispute because they were valid. Then 2 weeks later, as soon as my direct deposit came into my other account, Chase collection department moved {$200.00} from that account without a courtesy call or notice. I had 2 items scheduled for that account for {$110.00} and 45.XXXX On XX/XX/20, I checked the account via text message and the items had not posted yet. To my surprise, the next day on XX/XX/20, I get an alert that my account is overdrawn and i have a NSF fee. I contacted Chase and told them first they caused the account to be overdrawn by moving funds without my knowledge, and second, that NSF fee is unjustified because the item did not post on XX/XX/20, based on the balance i received via text message and i forwarded them a screen shot with the balance date and time. The NSF fee was refunded. That same day XX/XX/20, I managed to deposit {$1000.00} to cover both items. Again I went online and saw that the {$45.00} was already paid and the {$110.00} and the {$1000.00} were pending and my balance was about {$850.00}. So I was fine. If I wasn't, I would have moved money from so n't account to cover the {$110.00}. The next day on XX/XX/20, to my surprise again, the {$110.00} had been returned and another {$34.00} NSF was posted on my account. I contacted Chase to not only dispute the NSF but the return which will cause me another fee with the other party. In one of their responses, Chase stated that they normally process credits and then deducts debits. Which clearly shows that the return was unjustified. Chase certainly keeps track of log-ins and can see that I did log into my account on XX/XX/20 and my balance was positive and both the {$1000.00} and the {$110.00} were pending. 

Chase is a predatory bank that charges bogus NSF fees for items that haven't even posted on dates they claim they have. Luckily I had the text message to prove that the first NSF was incorrect. For the second one, because i was on their website, there is no screenshot. But they should be able to verify that my balance was {$850.00} The return of {$110.00} is unjustified and they need to look into why it was returned. 

My balance is low at the moment, but I had over {$30.00}, XXXX deposited in my accounts in the past 6 months. {$14000.00} severance check in XXXX and another {$8000.00} from my XXXX in XXXX and a weekly direct deposit since XXXX from my new Job. Prior to that I had $ XXXX or $ XXXX deposited each month for the past 10 years. Having a low balance is not a crime and should not be an opportunity for Chase to prey on people.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Last year in XX/XX/2023, I found myself in a situation where I was actively seeking employment and was contacted by an organization that purported to offer a job opportunity. Unfortunately, this encounter turned out to be a fraudulent scheme, wherein the perpetrators would send counterfeit checks, instructing me to deposit them into my bank account and then transfer the funds back to them via XXXX under the guise of purchasing equipment for the position. Regrettably, I fell victim to this deception due to my earnest desire to secure employment and alleviate financial pressures associated with funding my education as a XXXX XXXX 

Despite the apparent legitimacy conveyed through the company 's website presence and purported listing on the stock exchange, as well as the completion of various forms prior to the receipt of any checks, it became evident that these were tactics employed to facilitate the scam. Upon the reversal of the deposited funds, I found myself in a dire predicament with my bank, as they conveyed an inability to assist in rectifying the negative balance incurred as a result of the chargebacks. 

Subsequently, I refrained from filing a police report, as I was advised by the bank that they could not intervene in the matter, leaving me feeling overwhelmed and uncertain about the appropriate course of action. With my account bearing a deficit of {$6000.00}, I was compelled by the bank to mitigate the situation independently, further exacerbating the financial strain I was experiencing. 

My primary grievance lies in the inadequacy of the bank 's safeguards concerning check verification processes, which allowed fraudulent transactions to proceed unchecked and ultimately deposit funds into my account. Upon closer scrutiny, the checks in question exhibited glaring discrepancies indicative of their fraudulent nature, including typographical errors and absence of authentic signatures. It was only after the funds had been deposited that the deficiencies became apparent, leaving me in a vulnerable position with limited recourse for resolution. 

In light of these circumstances, I am compelled to question the fairness and efficacy of the bank 's protocols, as they seemingly failed to uphold the integrity of their check verification systems, thereby enabling the perpetration of fraudulent activities. Moving forward, I urge the implementation of more robust measures to safeguard against such occurrences, ensuring the protection of account holders and the preservation of trust in financial institutions.
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (GA)

ADVERSE ACTION DENIAL LETTER : OFFER REJECTED : Discrimination An application was submitted to Affirm for an extension of credit for household purposes. As the applicant, I was denied due to Discrimination for exercising my right in good faith under the Consumer Credit Protection Act. It is IMPOSSIBLE for a consumer report to reflect my credit worthiness because I exercise my right to PRIVACY under the Fair Credit Reporting Act 15 usc 1681a. My credit worthiness is not affectively reflecting in this consumer report, and I have several other things that can vouch for me to be credit worthing for this transaction. 

In addition, Affirm failed to offer me the opportunity to establish my own credit worthiness which is a violation under the FDIC.
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

I have been contacted by a debt collector, XXXX XXXX XXXX ( XXXX ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and XXXX sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because XXXX has not sent me valid proof that this debt is mine, it should be removed from my credit report.
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2015 I walked In to XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX and a cheap fix being I was XXXX XXXX and had no Insusurance. I told the nurse at time of check In that I had no Insurance. She ask me some basic questions then walked out into the hall and ask the doctor If he had a moment to check me out. ( No charges were discussed for the up coming price gauging that was about to happen to me! The doctor rabbed soe type of a XXXX  XXXX  shoved it up my XXXX  ( literally 10 seconds in each XXXX  ) and walked away. I was then shown an XXXX  and told I had all kinds of problems and handed me a bill for XXXX. I never consented to any charges and This amount of charges for 20 seconds with a XXXX  XXXX  are ridiculous! I want this removed from my credit history! PLEASE HELP!
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

XXXX charged me for a purchase XXXX on XX/XX/XXXX the item was returned and refund processed on XX/XX/XXXX. XXXX then went and fraudulently without my consent recharged my account on XX/XX/XXXX for XXXX and Ally said that I got a refund which was not true the second charge was never authorized by me and should not have been taken from my account. 

I have been trying to work with Ally about a XXXX charge which was fraudulent the merchant never sent anything but stole my money Ally said they were looking back into it and failed to attach see pictures where they said I can not get product or money as Ally failed to protect me this purchase was in XX/XX/XXXX XXXX XX/XX/XXXX ally also blocked me access to statements and funds when tried to withdraw
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (KY)

I never received anything from XXXX XXXX XXXX apartments. Now I see Transworld Systems is reporting this issue on my credit file. I did a dispute to the credit bureaus and a direct letter to Transworld Systems asking for validation. The bureaus mailed me that Transworld verified as accurate, but no response from Transworld. 

I asked for validation of the {$2800.00} current balance amount. An itemized statement showing all charges and fees. The date when I vacated the apartment. A list of any damages. 

Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?
Consumer complaint received 2020-01-13
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: AMERICAN HONDA FINANCE CORP (PA)

American Honda Finance Continues to Furnish information on credit profile. I requested multiple times validation of signature and contest to contract. Company failed to comply on a number of occasions. This is supposedly a joint account with no consist payment history on credit profile. I'm told the original owner is incardinated and don't access to vehicle.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX ***** opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  ***** opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.
Consumer complaint received 2022-08-17
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: Synovus Bank (NC)

There are XXXX First Progress accounts showing on my report, when I reached out to First Progress to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the First Progress Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer
Consumer complaint received 2023-02-12
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. (IN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00}, Original Creditor : XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (FL)

Regarding Robinhood inc. 

I have requested to have my account closed for more than 10 business days with no response, The issue began with there company not letting me use my funds that I deposited instantly to the checking account, that why they offer a spending card right? Well after them holding my funds, and not clarifying, resolving or corrosponding with me via the phone I would get a no info response and chat via web app the agent will close my ticket before responding to my requests to close account. There is {$550.00} in that account and Iam asking for help to get Robinhood to formerly close my account after transferring back my funds to the original deposit route via card XXXX. Or my XXXX XXXX linked to the account as well either method is okay I just want my account closed I owe no fees and no pending transactions. Please help me with this, I've read nothing but horror storys with this company upon further research and I'm just asking to return the funds to it's origin and close my account I do not want to do future business with them, Customer service is rude, poor and negligent.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After looking over a copy of my credit report i notice that there were a few inaccurate things being reported under my social security number. i tried disputing these items on the credit bureaus website and each time i go to submit it keeps locking me out making it difficult for me to dispute.
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

MOHELA has over-charged my bank account by {$49.00} via the auto-pay feature on XX/XX/2024. This charge did not show up on my MOHELA account but it was recorded on my banking account. This type of issue needs to be corrected immediately and is not acceptable given the fact that MOHELA manages millions of student loan accounts. If this issue happened once I'm sure it has happened to others I called a representative on XXXX XXXXXX/XX/2024 at XXXX AM to address the issue. They told me to send an email and upload the proof but their email system doesn't allow me to upload documents with emails. I uploaded the file via the my documents feature on their website which isn't connected to the email page. When they responded to my email on XX/XX/2024, they sent me a auto generated response that claimed the issue had already been resolved. The issue was not resolved.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is showing that I work at XXXX XXXX  which I left in XXXX. Also It shows that I work at XXXX XXXX XX/XX/XXXX. I currently work for XXXX XXXX XXXX. I would like this information removed from my credit report.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the XXXX data Breach. I am not sure why has happened, and I should not have been denied credit.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (ME)

PNC Bank is attempting to charge me a prorated escrow shortage fee equal to nearly a third of my total annual escrow disbursements. They are adding a monthly payment of {$340.00} in addition to my escrow payment of {$1100.00}. This is in violation of RESPA and CFR 1024.17c. They are only allowed to cushion my escrow account by a factor of 1/6 my total annual escrow disbursement which is {$13000.00}. 1/6 of my disbursements is equal to {$2200.00} annually. They are attempting to charge me an additional {$4100.00} annually ( XXXX XXXX mos ). They sent this information in an escrow account disclosure dates XX/XX/XXXX, in regards to my new payment schedule starting XX/XX/XXXX. I spoke with 2 representative, one of whom assured me that the information was wrong, only to be sent a new disclosure statement dated XX/XX/XXXX with the prorated monthly fee on {$30.00} less.
Consumer complaint received 2022-02-21
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. (PA)

Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2022-02-21
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. (PA)

Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Equifax ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2023-05-02
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. (FL)

I NEED XXXX XXXX DELETED FROM MY XXXX REPORT ASAP. 
I NEED TO HAVE ALL INQUIRES REMOVED FROM ALL XXXX CREDIT REPORTS ASAP