davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (TX)

-Check Date XX/XX/XXXX -Check Amount- {$700.00} -Check made out to- XXXX XXXX -Provided the First XXXX XXXX routing and account number. 
-I closed out the account on XX/XX/XXXX -Nothing could be found while I was on the phone either time. 
My account was a XXXX XXXX checking account that was transferred to Key Bank as the companies merged. I've spoken to Key Bank twice providing all my needed contact details-Phone number, Email address, and updated mailing address.

1st phone conversation XXXX, promised a call back with information, no call was made to me.

2nd phone conversation XX/XX/XXXX, did receive a call back, but was advised the same details as the first call, " I'll open a research request to have this reviewed for the check copy ''. I requested the check copy be sent by email as this is needed for a Court Case. I was advised no problem. I was advised that I would be followed up with in 3-4 days by a person from their research department advising of a status. This timeframe has come and gone and no communication by phone, email or mail has been received. 

This check copy is highly important and is time sensitive to me. I'm in no way confident that any action has been taken place by Key Bank. All details that were given to me, such as follow up have fallen through. I need help to get this matter resolved as it seems I've been forgotten about.
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service (NY)

On XX/XX/XXXX, I checked my credit score and I noticed that XXXX XXXX XXXX made a derogatory remark on my credit history. It says that the account was opened on XX/XX/XXXX and the original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I have not been to the doctors nor did I have any blood work that involves XXXX. XXXX XXXX XXXX has never contact me nor sent me a formal letter and proof that I owe such debt.
T
he Original creditor did not try to contact me of this debt at all. They have not shown proof that I owe such debt. It is unprofessional and irresponsible to put a derogatory mark on my credit history without proving and notifying of such debt. It has dragged my credit score down.
I therefore disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and according to the information you sent me I never received such service for which Im being charged in the first place. Because I am disputing this debt, you should take the derogatory remark on my credit score immediately and PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section XXXX ) require that you honor this request. Thank you.
Consumer complaint received 2022-05-31
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. (FL)

XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-05-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Point Digital Finance, Inc. (AZ)

Original application was submitted XXXX XXXXNo communication on what is needed for next steps causing important documents we are sending in to expire and having us reapply and resubmit the same documents. It has been a little over three weeks with all final Task being completed and we were advised to wait for next steps. Reached out today and was advised by the rep once again my documents have expired and needed to reapply to be considered.Have asked multiple reps within the past month to escalate my matter with a manager or someone higher up and still have not received any communication.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. experian, XXXX and XXXX. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you
Consumer complaint received 2022-05-31
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. (TX)

On XX/XX/XXXX I called Experian Credit Bureau about the XXXX XXXX account still showing as CHARGED OFF AND close, but the Lenders are able to open the report to see a Charge-off balance of {$16000.00} The original balance was reported as {$17000.00} in XX/XX/XXXX ( date of the original loan ). The payments were {$400.00} per month. Payments were set up at 72 months which is six years. Payments were paid on time from XX/XX/XXXX to XXXX  XXXX per month. The total amount out of pocket paid was {$19000.00}. How is the balance still {$16000.00}? I have wrote XXXX XXXX XXXX so many time in XXXX asking for the balance on the Loan. I never received an answer. Finally in XXXX of XXXX I check to see the credit Report at all three Bureaus and the account was Charged off without reporting the balance to a collection Agency. This loan has been taken care of by XXXX. I noticed on the XX/XX/XXXX Credit report I requested from Experian the balance was {$15000.00} the payments continued until XX/XX/XXXX. The balance on the account should be showing {$4600.00} instead of {$16000.00} There was only XXXX ( XXXX ) more years to pay for the vehicle. Experian continue to say the Creditor is reporting {$16000.00} as of XX/XX/XXXX without speaking to anybody.
Consumer complaint received 2018-09-30
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: Credit Plus Inc (NC)

My credit was pulled by XXXX XXXX on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by XXXX to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call XXXX XXXX in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another XXXX XXXX XXXX. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that XXXX presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in XXXX system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
Consumer complaint received 2019-11-25
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. ()

In my credit report Trans union company changes my address every month. However i never change my address from 2 years and there are many unknown credit card accounts that does not belongs to me are showing on my report .some of them they removed and there are 3 accounts that are still showing on my report and continuously damaging my credit history. I called the XXXX XXXX, XXXX  XXXX XXXX   about those accounts that are belongs to them but they did not do anything. I have attached the account information of the credit card accounts that are unknown for me
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (FL)

This pertains to my account with paypal. Account : XXXX ( account numbers with paypal are kept this way ) On XX/XX/2018 paypal account receivables received my payment in the amount of XXXX ( document from paypal.com attached ) On XX/XX/2018 paypal account receivables cashed the XXXX and took money from my XXXX XXXX account ( document from XXXX XXXX attached ) Since than paypal did not apply the payment to my balance. 
On XX/XX/2018 paypal accounts receivables issued collection letter demanding payment of XXXX As of today ( XX/XX/2018 ) paypal account receivables is in possession of my payment ( XXXX ) and is not applying it to the balance. 
Why this amount is not applied as of now? Why did you choose to collect something that I do not owe as of XX/XX/2018
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

The loans amount I currently owe is in excess. I wrote to XXXX XXXX about tthe problems with my loans, and the lack of forms that were supposedly signed aka promissory note. I did not receive any promissory notes. Also, I was suppose to be refunded by XXXX XXXX ; 's and the other schools for lack of justification for the amount which is currently showing on my credit report. I have been charged un-farily and as a result, I had to seek private loans to pay for my XXXX degree. I wrote to them about this issue about 6 years ago and nothing was resolved or done.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (TX)

I contacted the company about a debt, they gave me the balance owed and I asked for information on it, and if they could send me something stating that once it is paid it will be removed from my credit report like they stated with me over the phone. They said they will not send me anything because they are not going to risk their company for a {$360.00} charge. So I decided to just pay it so they will no longer contact me. They said I would receive a receipt in the mail, which I have not. I disputed the account from my credit report and they rejected the dispute stating that amount is still owed to them. I uploaded a statement from my bank showing the charge and amount was paid since I have not received a receipt yet for the payment I made to them. They informed me they will not send a receipt via email, they can only send it via mail. This company is Online Information Services.
Consumer complaint received 2022-11-29
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7900.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/18 I sent {$400.00} via XXXX with Wells Fargo to someone by the name of XXXX XXXX at the email XXXX ( a friend who was registered with XXXX and he was not ), who claimed to have football tickets I was looking for, and he even emailed confirmation of the tickets, which I now know is fake. When I realized this was a scam, I called Wells Fargo and to my astonishment there is absolutely nothing they can do. I thought at the least they could dispute the transaction or file a claim. I feel very unsecure now with my own bank, and am at a loss as to where to turn. Being able to feel helped and secure by a bank is very important to me. I am just a have never been scammed before and being my first time, Wells Fargo has not be helpful in the least bit.
Consumer complaint received 2024-04-03
Product: Credit 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: CITIBANK, N.A. (CA)

The 1st charge US {$960.00}, was done when I reserved for a room from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mistakenly denied on the charge to Citibank. I admitted my mistake calling back the next day. A new card was in the process to be sent to me. I kept my hotel reservation and allowed the hotel charge US {$960.00} again my new card on XX/XX/XXXX, when it arrived. Later I learned from the hotel manager Citicard disputed on both charges. Late in XX/XX/XXXX I got the XXXXXXXX XXXX permission to grant my cancelation. My Citi statements of XX/XX/XXXX and XX/XX/XXXX show these two charges. I obtained email proofs with VISA XXXX numbers confirming refunds of both chagres from the XXXX and their bank. I wrote to Citibank XX/XX/XXXX and on XX/XX/XXXX Dispute Center still denied receiving the first refund of US {$900.00} the amount I requested for credit. And advised me to sue Citibank in small claims court of the 1st charge that they still owe me.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion website is not allowing me to dispute inaccurate information. 
XXXX is no longer in business and has reported inaccurate information on my credit report. I disputed on Transunion website and had received an error. I was given the fraud department phone number, then the consumer complaint department and then finally a dispute number. It's a game of frustration getting anything done. I submitted a FTC report and also a valid identification on my credit report. Its made to wear you down and not resolve any issues one per day.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

So my problem is with XXXX Credit Card Company. I really feel like they're intentionally trying to get my application declined and i feel like its because of my race. My credit score is well over the required score and still they are giving me the complete run around. They are intentionally trying to drop my credit score y giving me a bogus excuse as to why i have to give them a call back, but every time i call back they are giving me a hard inquiry on my Experian. The excuse is my phone number hasnt been updated with experian. I updated my phone number with experian the first day i was notified by XXXX that it needed to be updated. i received an email from experian the same day stating my personal info was updated, but yet XXXX keeps giving me the excuse that my phone number hasnt been updated. Now when i call they give me the excuse that their system is updating and to call back in 48 hours. But they only tell me this AFTER theyve pulled a hard inquiry. So what they're doing is they're deliberately trying to keep giving me hard inquiries until my score no longer qualifies me for a line of credit so they can decline my application. This is not fair and i feel like its definitely racist. So many of our financial instituations are declining minorities for lines of credit during these times and its unconstitutional. Something has to be done about this immediately. I know im not the only one experiencing this type of discrimination.
Consumer complaint received 2019-06-28
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX  MEMBER SINCE XXXX