davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (CO)

I opened a KeyBank checking account on XX/XX/2020, a few days after opening a KeyBank Gold Money Market Account on XX/XX/XXXX or so. 

Despite several calls to Key Bank since opening this checking account on XX/XX/XXXX, they have failed to provide access to it and it is unable to be seen on the mobile deposit or in online banking. I have called their 800 number several times, they don't address it, make excuses, don't follow up, etc. On Friday XX/XX/2020, they told me a programmer was going to fix the issue so I could see and access my checking account in the mobile app or in online banking, and told me it would be resolved in 10 business days. Ten business days has come and gone, then I called back in late XXXX to ask why this still was done despite their promise it would be done from the XX/XX/XXXX call. They gave me the run around and no answers. Almost an entire MONTH after opening up this checking account, repeated calls to their customer service line, and promises this would be resolved, they've not delivered. Key Bank is a criminal enterprise, has the worst, dysfunctional and unavailable mobile app I have ever seen, and they lie to customers. 

I have zero access to my checking account, can not see it in the mobile app, have tried today to log in online and see it, to no avail. I emailed the personal banker the week of XX/XX/XXXX expressing concerns, he never replied to my email either. I will be getting a lawyer involved soon because their mobile app does not work and allow the customer to see their checking account despite me trying to add it to the app. The programmers and technology people do not follow up with the customer and neither does the branch banker or customer service. This needs escalated to the Executive Level.

I'm not playing games with KeyBank anymore. Their mobile app is always down, I've read  numerous online posts from frustrated customers, and I can not even get statements on my checking account, let alone see it in the mobile app or in online banking. The CFPB and OCC need to get to the bottom of mobile app issues that exist at KeyBank and their terrible technology woes. This has real impact to customers! And they also do not staff their customer service line so customers can not get a person on the phone to resolve their issues and the branches are closed!
Consumer complaint received 2020-04-03
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. (NY)

To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had a savings account with XXXX XXXX since XXXX or XXXX where I received interest increases or decreases, at the going market rate, automatically. This practice has continued up until now, but the rate I am receiving is below the market rate. In XXXX, I was receiving .5 % a month. In XXXX it was decreased to .3 %, far below XXXX XXXX offered rate of 3.30 %. I called their customer service department to question this and was told that my account was an " old product '' and we would have to move the money into the new product in which the market rate was offered. 
I asked why they would lower the rate to fit the market conditions when they went down with the " old product '', but they wouldn't raise them. They had no real answer for that. 
I asked if they had sent me any information regarding this and, the said they didn't. 
To me, this is very deceptive practices and a breach of trust on XXXXXXXX XXXX part by forcing me to move my money into other of their products to gain the market rate. If they were able to it prior to the current rate, they should be able to do it now without establishing a new account. All they are doing is making money off of my account because of the low yield rate. How many other individuals are in this position and don't know it. 
Thank you
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper is acting in bad faith regarding a real estate transaction At issue is a short sale request that was submitted an approved on my home. During the buyer 's process of buying the home there were several unknown factors that came out during the inspection. As part of any contract it is standard to deducted for materially defective functionality of the home. As evidenced by the attached there is significant issues such as the roof which could not have been known unless somebody went on top of the home. The buyer is seeking a very reasonable reduction ESPECIALLY considering we are in a PANDEMIC and people aren't buying homes right now. Instead of Mr. Cooper doing what they are LEGALLY required to do and reduce the asking price they are trying to have the buyer pay more for the home than what it is now worth. This is RIDICULOUS as the property values will be CRASHING DOWN shortly with XXXX XXXX new unemployment filings. Mr. Cooper needs to be led to reality at this point.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BOA states that XXXX XXXX made purchasesXXXX transfers with a debit card with a balance of {$300.00} in it. The purchases were made in a 2 day time frame. 
This is clearly a cloned card being used, the most un real part of this is this : How does BOA allow XXXX and or XXXX to dispense those amounts of money without contacting someone or putting a hold on the account, I did not think XXXX would allow money to be transferred over the amount in the account. And are there no limits/daily on the cards? Mine sure has a limit on it. 

My branch manager has tried to have the case reopened and was declined he said from your fraud dept who clearly are not doing their job correctly allowing something like this to happen and then not even doing a thorough investigation.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NY)

On XX/XX/2020 I called fortiva cause I noticed that my account was closed when I checking my online account so I called to find out why my account was closed and not given the proper notification that is required by law. After speaking with XXXX who refused to give me his employee so I could better identify him. Told me a manger would call me 2-3 business days. Well on XX/XX/XXXX a manger called named XXXX Told me he could not answer my questions and in 2-3 business days he would receive a call from a different manager. Well that never happened Im not sure XXXX  was even a manger. This is the 3 rd time they have closed my account with out send out in the mail proper notification. And when you call they say they do not have to. They keep saying they have right to close my account and I agree they do. I do lot even care what the reason is. There needs to be consequences for them doing this. Also like to know why I never got call from second manger
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Conn's, Inc. (TX)

Constant harassing phone calls to me and my fiance by Conns. They are now calling my fiance 's phone number. She has told Conns repeatedly to stop calling her. They keep calling back from multiple numbers. If she blocks a number, she will get harassed from a different number.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This account was paid off on XX/XX/2022 to XXXX XXXX. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.
Consumer complaint received 2023-07-12
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. (PA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This account was paid off on XX/XX/2022 to XXXX XXXX. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.
Consumer complaint received 2022-11-04
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. (NJ)

This account was paid off on XX/XX/2022 to XXXX XXXX. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.
Consumer complaint received 2022-11-05
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. (NC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
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)

On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.
Consumer complaint received 2020-04-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

I missed a payment and have been trying to contact them multiple times about resolving the debt and they continue to transfer me multiple times and in the end always send me to a full voice mail so I can never speak to anyone to resolve the debt. I tried telling the representative what was happening and she didn't even let me finish, she just transferred me anyway to a full voice mail. I continued to call back and kept being hung up on every time after that. How am I supposed to resolve my debt if they won't even talk to me?
Consumer complaint received 2022-11-04
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. (FL)

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 1681XXXX XXXX XXXX XXXX, 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 an 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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-04
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. (LA)

I received my dispute results from Transunion Credit Bureau, and it was not in compliance with the dispute request for the documents sent to them by XXXX XXXX XXXX XXXX in regards to the charge off loan.I have been asking for the documents and procedures used by Transunion to verify and validate this account. I specifically as for the documents provided by the creditor XXXX XXXX XXXX XXXX, and have not received them in the timely manner consistent with the FDCPA of 30 days this is my my second time asking for these documents and not received them. By law they must remove this account or update it as payed as agreed IMMEDIATELY. I am including the results sent to me by Transunion. My next step is to file a law suit against Transunion.
Consumer complaint received 2020-04-03
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. (TX)

TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (OH)

I received notices that my credit report had changed. At first I thought someone had used my information to open an account for themselves. It appears now that Paypal had opened an account in my name without any notice whatsoever. 

Yesterday I disputed the account with all three Credit Bureaus. Today, I received from Paypal a welcome letter thanking me for opening an account. I called Paypal ( calling is the only available contact method apparently ) but the wait time is, at this point in the national crisis, indeterminate. 

I've attached a screenshot from XXXX XXXX site showing details of this account. Also attached is a photo of the Paypal welcome letter. 

The Paypal inquiry brought my credit down 4 points. If I close the account, my credit will go down further. Also, I keep my report very clean : few open accounts and no closed accounts except for a loan paid off years ago. An account opened and then closed immediately will raise questions I don't want raised.