davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (WA)

I opened an account with KeyBank in XX/XX/2021. When I opened my account I did not opt in to overdraft protection. This month ( XX/XX/2021 ) I noticed that there had been multiple one-time charges to XXXX ( billed as XXXX ), XXXX, and XXXX  that I did not have sufficient funds for at the time of posting. Instead of denying the charges, KeyBank accepted these charges and assessed three separate {$38.00} overdraft charges to the account.

When I called KeyBank to fix the situation, I was told by a manager that previous information I had gotten was wrong and that KeyBank has no grace period on overdraft fees ( the day these charges had posted I had gone to the branch to deposit enough cash to cover the negative balance and was assured by the teller that by doing so I was avoid any fees ). When I asked why KeyBank did not honor the refusal of overdraft protection, the manager told me that 'misc ' charges do accrue overdraft fees, though this is in clear violation of CFPB guidelines as they were one-time charges.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2017 a card was opened with Capital One and i did not authorize them to do so i had no knowledge of this account until i checked my credit report i reached out to the creditors as well nothing was done.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Mobiloans, LLC (FL)

I received a call today ( XX/XX/28 ) stating that they were going to file a claim with my local county, XXXX county. She stated she was looking for me and my location. She called my employer, my mother, my mother in law and me. I have never ever given out the information of my mother nor mother in law. 

They stated they were charging me with three different charges one which included a criminal charge.

I made a few phone calls to lawyers for representation. Then I called back to get more information from the company as I had already set up an appointment with a lawyer for tomorrow. The representative refused to give me a physical address for the company, he simply stated that the law firm was call XXXX XXXX XXXX. 

Later on in the afternoon me and an attorney called the number and he attempted to get more information from the representative which ultimately lead to the man disconnecting the line.
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (MD)

from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

The LTV on my property gives me more than 20 % equity. The mortgage company is refusing to remove the PMI stating they based their value on the purchase price. They sent me a letter about my payments not being current which is not the case. I am current and have never been late. When I call them I was told that I have to have made substantial improvements to the property in order to have them order an appraisal. I told them I would pay for an appraisal and that was denied. Very frustrated.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

1. Unauthorized use of credit report.

2. The credit reporting agency took OVER 60 days to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). 
I sent my letter on XX/XX/2021 it is now XX/XX/2021 and still no response or changes
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AL)

An account with XXXX was opened online in my name by a family member. XXXX XXXX  collection agency originally had the account. I previously obtained a police report and XXXX XXXX Fraud Department sent an affidavit, which I had notarized and sent back in along with any other supporting documentation that they asked for. After doing this, the collection was removed from my credit report ( XXXX  and XXXX  ), which as of XX/XX/19 has been re-reported with another collection agency ( Enhanced Recovery Company ). I don't understand why the credit bureaus keep allowing this to happen after proof has been sent in verifying my complaint.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

A company called fair collections and outsourcing appears on my credit report attempting to collect a debt of roughly {$2700.00} that is XXXX incorrect and XXXX past the statue of limitations and XXXX does not belong to them. This is appearing on my XXXX credit report only.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

I closed on my mortgage about 2 weeks ago. Chase reached out to my mortgage broker yesterday where they told him they immediately needed a form which they had forgotten ( Notice of Right to Cancel. ) They have bugged my broker several times within two days and I have in turn been bugged several times. I have not been near a printer and have been unable to print this form. I will do this as quickly as I can but this pressure is unreasonable. 

Chase clearly lacks a proper control environment. Both the initial error ( why do they not have better controls for a Critical Business Service? ) and the follow up ( where do you draw the line for UDAAP? Why am I told that Audit is threatening my mortgage? ) This behavior is inexcusable from a lender who can not manage their own internal processes. 

Please tell Chase to invest in controls, not harassing me. Can you please give me a way to contact Chase? I asked to contact them and was told by my broker that this is not possible. If I am going to have to work with Chase as an investor, they need to behave better.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (NC)

Carter-Young , Inc was contacted several times to dispute a fraudulent rent charge they applied to my credit report in the amount of {$2400.00}. I provided documentation showing I moved out of XXXX XXXX XXXX in XXXX with nothing owed. 

If I had owed any back rent, I would not have received a new housing voucher from XXXX XXXX XXXXwhich was received. 

I requested documentation of what they showed me owing. Carter-Young sent me a ledger sheet showing I owed a XXXX ( XXXX ) balance. It also showed I moved out in XXXX, which was incorrect. I moved in XXXX. 

I want this fraudulent amount removed from my credit report immediately.
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

Equifax is reporting an account with XXXX XXXX which is not correct. I was in the military at the time and contacted XXXX and sent them my orders showing I was being XXXX  and to place my services on hold. At the time they agreed to do so just as the other utility companies had done. I was XXXX   XX/XX/2014 and returned XX/XX/2014 when I returned I was told that the services were never placed on hold as they had agreed. They indicated that I owed money before I would be able to have my services reactivated that it there services were terminated due to no payment. Again I had spoken to them and sent them my orders showing I was being XXXX   and they agreed to place on hold for which they did not.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Financial Network Inc. (TN)

On XX/XX/2020 I went to American Financial Network to apply for a loan to purchase a home. I spoke with Mr. XXXX XXXX, who was the loan specialist assigned to my application. He pulled credit reports for my daughter and I, and informed us that we did not qualify for a home loan. He specified that we needed to undergo credit repair and could get approved for the home loan within four months. He recommended that I go to a friend of his that he sends a lot of customers to for help with their credit. He assured me that Mr. XXXX XXXX, one of his close friends, could fix my credit within four months, and I would qualify for the home loan. He had access to my credit report at that time. He knew what items were causing me to get denied for the home loan. I believed him when he said that Mr. XXXX could help me get approved. Mr. XXXX then called Mr. XXXX while we were in the office and told him that we needed to use his credit repair services. He also told him that we were willing to come to his office right then. Mr. XXXX told me the service would cost {$1500.00} for both me and my daughter. Somehow he knew the cost of the service without asking Mr. XXXX. Mr. XXXX then asked if he could meet us at a nearby XXXX 's XXXX XXXX parking lot as he would in the neighborhood, and was on his way home. I told him that I did not mind going to his office, but he insisted upon meeting at the parking lot of the store. I met him in the parking lot of the appliance store, and he ran my debit card for the {$1500.00} payment. Then we submitted financial records to him via email. We never saw his actual office. He then asked us to sign up for XXXX monthly credit monitoring for a fee of {$29.00} per month. I thought he would pay for any additional expenses from the {$1500.00} he received. A month later we called him and asked why we needed to have credit monitoring when we were paying him to fix our credit. He stated that he did not have time to monitor our credit because he was the owner and operator of a used car dealership, XXXX XXXX XXXX on XXXX XXXX. I continued to call him to ask the status of the credit repair. He told me to stop calling him. Now it has been over a year, and he stopped taking my calls and communicating with my daughter via email. I spoke with an attorney, and she advised me to contact CFPB. Mr. XXXX  never submitted any disputes on my behalf. He never gave me any instructions on which bills I needed to pay off to improve my credit score. He never did anything. I don't even know if he ever even looked at my credit at all. I contacted Mr. XXXX XXXX to discuss the problem, and he also gave me the run around before he no longer accepted my calls. I believe that Mr. XXXX and Mr. XXXX are involved in a bait and switch operation where they bring people in to apply for home loans, tell them they need credit repair, and then scam them for the credit repair fee of {$1500.00}.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (GA)

I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.XXXX TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.
Consumer complaint received 2021-09-28
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. (TX)

Recently, I submitted disputes to the consumer reporting agency TransUnion. I do not agree with their response and I was never sent a copy of my credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Attached below is a cease and desist I sent to both XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX in which I told both companies to cease communications. Communications involves reporting to consumer reporting agencies. Especially after both have failed to offer proper validation of debt and full material disclosure. XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX replied with a cardholder agreement and statements that did not include my debtors rights or contract pursuant to 16 CFR 433.2. 

I am a victim of identity theft and kept requesting XXXX XXXX to send my original contract and they never could. Therefore I have filed an identity theft report, upon 4 days of receipt of this identity theft report, please immediately remove all associated accounts on this report pursuant to 15 USC 1681-c-2.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

We tried to refinance our home with Wells Fargo, our mortgage loan servicer. Our current rate is 4.25 percent ( 30-year fixed ) and we have been with Wells Fargo for over 10 years. Our loan balance is {$270000.00} and our home is currently valued at {$700000.00}. I have a good credit and would like to lower the interest rate. Wells Fargo concluded that our home is considered as an investment property since I am not physically present in the house all the time. I am a XXXX XXXX XXXX XXXX  and I am currently stationed in XXXX XXXX. While I am away members of my immediate family including my wife and adjust children live in the house. This is our primary residence and we do not rent it. I explained this Wells Fargo multiple times and they concluded that our home is considered as an investment property and the interest rate they offered is higher than that of primary homes. The only conclusion I could come up is that Wells Fargo prefers to keep us locked in at the 4.25 interest rate so they can make more money. I think this is an improper business practice and I would like to submit a complaint. 

Loan application : number XXXX.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC (NJ)

Asset Recovery Solution appear on my consumer report. I have not done any business with this company or provided express written consent to have them provide damaging information on my consumer report. This is a violation of my privacy under US Code 1692.

They also put on my consumer report that I owe them an alleged debt. 

I want their information removed from my consumer report asap and removal of any alleged debt.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

Last week I called HSBC Bank and advised that I would be making a high purchase, I advised I would need to get my medications and get a toilet, I advised the purchases were going to be around {$1000.00}. I have two cards. So it could be o n either card. On Monday, XX/XX/2021 I got my medications  with no problem. On XX/XX/2021, I was making purchases on the cards that end in XXXX, and XXXX. I only purchased today roughly {$37.00}. I had not even got my toilet. I went to make another purchase for {$20.00} at the XXXX XXXX and the card was denied. I had to put everything back. I had gone to XXXX XXXX and tried to use my card for {$40.00} and it was declined, Again I had to put everything back. I went to XXXX XXXX and tried to use the other HSBC card for my groceries and the card was denied. I called and the boy said that department was closed. He advised to put the food away and call back in the morning. I only have these two cards. Thanks HSBC. I am current and I am not behind. The one card has a credit line of {$8000.00}. I only have {$1000.00} on it. This is absurd. This is a violation of the antitrust laws. I gave the bank over {$5700.00} in XXXX. This how that treat me.
Consumer complaint received 2021-09-28
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. (AZ)

Purchased a phone through XXXX XXXX Phone was paid off in 2020, was still being billed for the insurance on the phone after the phone was paid off. Have tried to resolve this by phone, email and regular mail with XXXXXXXX XXXX Transunion, XXXX, and XXXX. I have a XXXX balance, never owed this insurance and would like it removed from my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this