davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (VA)

I recently moved from XXXX to XXXX Part of that process involved closing my KeyBank account. 

I called KeyBank on XX/XX/XXXX to try to have my account closed. I had a positive balance at that time. 

The KeyBank representative refused to close my account. They said that because I had moved, they were unable to close the account. My understanding of the law is that if I have a positive balance and no ongoing obligations ( ie, loan servicing ) tied to the account, that I am allowed to close out a bank account any time for any reason at my sole discretion. Furthermore, it is ridiculous that moving would prevent the closure of an account. Moving is probably the most common reason to close an account for the majority of consumers. 

I believe they are following a policy like this to aggregate overcharge payments from people that are making a move. Basically, a certain number of people are going to end up with charges from forgetting to move this or that to the new account, and if KeyBank keeps their accounts open, they can then charge overdraft fees on these erroneous charges. Do this a few million times and that is some real money, but it is predatory and I believe it is illegal. An account in good standing should be closed in timely fashion when the customer requests it. The bank has no inherent and unilateral right to a relationship with me as a consumer. 

Several weeks passed, and XXXX erroneously charged my old card number tied to KeyBank instead of the new card tied to my new XXXX account. This placed my KeyBank account {$35.00} in the negative. In the meanwhile, KeyBank also charged me {$7.00} " maintenance fee '' and a {$3.00} " paper statement '' fee. 

Now they are demanding an overdraft fee in addition to the money they are charging me to " maintain '' and report on an account I do not want and have requested they close. 

I offered to pay the balance. They told me I could pay by card over the phone to avoid the late fee. They then transferred me and the new person told me that I would have to subscribe to something called XXXX to make the payment and they could not take the payment over the phone. This is a " Tie-In '' antitrust violation. They also admitted that I would still get charged the overdraft fee because the money wouldn't transfer fast enough. 

People are tired of the greed and they are tired of the scams. They think they can XXXX a million people out of small amounts and get away with what is in aggregate a very large and very crooked haul. 

Please help me close my account with these dishonest scoundrels.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (NC)

On XX/XX/2023 a credit account was opened in my name by someone other than myself at US Bancorp ( US Bank ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the Inquiry on my XXXX credit report was still there so I filed a dispute. XXXX sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at US Bancorp ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to XXXX and there is nothing else that she can do. 
I then filed a 2nd dispute with XXXX explaining the situation and sent them a copy of the letter I received from US Bancorp 's fraud department. This morning, XX/XX/XXXX, I received the same report from XXXX " inquiries are a factual record of file access ''. 
I called XXXX and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, US Bancorp is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. XXXX told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Dismissed Bankruptcy from XX/XX/2017 I've tried Equifax to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XXXX, a third party. Well I have my XXXX file and it shows no bankruptcy on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Equifax credit bureau.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXT Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Hello There are fraudulent accounts on all XXXX of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX ), & XXXX. XXXX, XXXX- account # XXXX has violated my rights. 



15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX XXXX payments never late has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX I purchased an XXXX XXXX  for {$550.00} after tax using the Barclays / XXXX XXXX XXXX  credit card. The purchase posted on my redit card XXXX. One of the published benefits of the credit card is extended warranty protection. When the XXXX XXXX  failed outside of the manufacturer warranty on XXXX, I contacted Barclays customer service to file a claim. The documentation on Barclays website advised me to file a claim at XXXX ( XXXX, XXXX ). 

I filed a claim ( Claim XXXX ) on XXXX 's website on XXXX, and was asked to provide additional documentation : Sales receipt, statement of manufacturer warranty, credit card statement. Additionally, a repair invoice and diagnostic from an authorized service center stating what is wrong with the product. Finally, on XXXX they tell me to call them because there is an update. I do, and they tell me that they do not offer extended warranty protection benefit for this credit card. 

I call XXXX about the benefit, and they tell me I need to talk to my credit card provider ( Barclays / XXXX ). So I call Barclays customer service XX/XX/XXXX and ask them to confirm that my card has extended warranty protection. They say it does, so I explain what happened. They say they will open a case ( XXXX ). A month later on XXXX, I call to ask for a status update for the case and they tell me they can not provide information, I need to talk to their Disputes Team on a different phone number. I call the disputes team, and I'm told the case was cancelled XXXX, and that I need to call XXXX. 

I ask to speak to a supervisor, because this was going in circles. They transferred me to one, and this time they actually got XXXX on the line to confirm XXXX statement about not providing the benefit, but that the benefit WAS advertised for my card. they again took notes about the problem, and opened a new case ( XXXX ). 

I am filing this complaint here in tandem because I have already spent a lot of time trying to figure this out for them and I feel that other consumers should not have to go through this trouble.
Consumer complaint received 2022-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX  XX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
Bank XXXX XXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX  XXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXX XXXX XXXX CA XXXX I only work for XXXX.
Consumer complaint received 2022-04-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  XX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX  XXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXXXXXX XXXX XXXX, CA XXXX I only work for XXXX.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

I was attempting to apply for a new mortgage loan and was told by a BBVA representative that I could not proceed nor would they accept an application due to having DACA status ( Deferred Action for Childhood Arrivals ). I was not given a clear explanation other than stating that they do not consider DACA as a non-resident applicant.
Consumer complaint received 2022-04-20
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. (NJ)

Recently, Experian reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from been versed and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my Experian account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and been verified collect money on their end and with the advent of XXXX, family members are trying to connect and use those systems which have some how been captured by Experian to put on my report, not for Experian to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
Experian knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this XXXX stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, Experian needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. Experian do right by your consumers
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2024 I deposited a check for {$1800.00} via Truist mobile deposit. By the next business day I was unable to access my account as there was now a hold in place. I have been calling almost daily to understand what caused the hold but the only thing supervisors can tell me is because the fraud department is conducting a review and I have to wait. I waited til the seven business days per the email which stated my funds will be available on XX/XX/XXXX. I am now being told that there is an additional hold on my account but there is no time frame. I asked customer service why the additional hold and what happened during the initial review but she was unable to explain as she stated there hadnt been an update to the account. I was told it can take up to a year before I can get my account back. I have checked with the issuer of the check and they stated that the check has cleared but Truist is telling me that its still under review. I had direct deposits as much as the check I deposited leaving me puzzled as to why corporate will flag my account as fraud. When I call my local branch for answers they tell me corporate placed the hold and to call them, I call corporate and they direct me to the fraud department and fraud department says I need to go to my local branch. I just want my account back as this ordeal has caused me many financial problems. Trusting Truist has been one of my biggest regrets and do not recommend anyone to use this bank.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019 I was making airline reservations and saw the ad to open an XXXX XXXX. I filled out the application online ; however, noticed when I got to the terms that there was a XXXX XXXX yearly fee. I did not check off the box to agree to their terms and closed the application. Later I received an email that led me to believe the application still went through, which was later confirmed by receiving letter/card via XXXX XXXX. I again read the terms to verify and did NOT activate my card. I called Bank of America and advised of situation and asked they close the card. 

It should be noted that 100 percent of the time when opening a credit line online the terms MUST be agreed to by checking off a box or entering a code. Failure to do so will not allow the application to go through. This has always been my experience ; therefore, I have always believed this to be part of the application process. Why have a section about agreeing to the terms, if this is not part of applying for a credit line. XXXX disagrees with me and said that by my filling out the application, I agreed to the terms whether I checked the box or not. I think this is misleading, as well as deceptive.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

On XX/XX/XXXX I requested a refund from a fraudulent company because i needed to cancel my trip due to a recent XXXX. I called the company who I booked my trip through, XXXX, and they agreed to issue me a refund and sent me a receipt of {$430.00} being refunded to my account. The refund was supposed to be issued within he next 10 business days. On XX/XX/XXXX, they sent me anoher email telling me that " its a short matter of time for it to be reflected back to your account. '' ( documentation below ) However, it was never refunded, when I tried to contact XXXX again, they put me on hold for one hour and then hung up. It was at this time I realized I was dealing with a fraudulent company, so I contacted Discover Bank to file a claim. I also sent Discover the supporting documents which revealed that XXXX was going to refund the {$430.00}. When Discover Bank did their investigation, XXXX then went on and said that it was a nonrefundable transaction which contradicts what they previously told me, proving further that this company is fraudulent. I would like Discover to refund me my money, I have been a valued customer to them since XXXX, I would hate to have to terminate our relationship over this.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I received second notice that my XXXX tax bill had not been paid through my escrow account. Amount due : {$8300.00}. 
I called my loan servicing company ( Community Loan Servicing ) and was advised the issue should be resolved in XXXX business days. ( I do not recall the date I called to speak with them ). 
About XXXX weeks later I called to follow-up to make sue the bill had been paid and was advised it had not and that I would need to work with a XXXX XXXX. 
I sent the XXXX XXXX ( an employee of Community Loan Servicing ) the 2nd notice I had received through email on XX/XX/22. 
I called today ( XX/XX/22 ) to ensure it had been taken care of and was advised the bill has still not been paid and that they are working with their XXXX  department ( who I am not allowed to speak with ) to get it resolved.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I did not grant permission for these investigations and firmly suspect they are deceitful. I implore you to carry out a comprehensive examination and promptly expunge them from my credit history. I have submitted corroborative evidence for your assessment.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

In XX/XX/XXXX I moved into The XXXX XXXX XXXX XXXX in XXXX, TX ( now known as XXXX  ) where I resided for XXXX XXXX years. There was an exchange of emails between the manager and I where he confirmed that hed be using my email confirmation as my 60 days notice. Prior to me moving out, I went into the office and spoke with the manager who confirmed that hed accept the written notice and no additional balance would be owed. I then down the line received a hefty collection bill due to no 60 days notice being given, which was then reported on my credit report. I have gone to the office to speak with management and over the phone multiple times. Most recently XX/XX/XXXX Ive contacted the property via phone and she advised me that nothing can be done as the property has switched management, the manager, the previous files are no longer available, and they can not confirm whether or not my complaint is accurate. I have disputed this collection a couple of times ( XX/XX/XXXX & XX/XX/XXXX ) with the credit bureau who wrongly confirms that this debt is accurate.