davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (IN)

Unable to add my KeyBank debit card to XXXX XXXX. Called Key on XX/XX/23 spoke to agent who advised me I need to contact XXXX and that is not the case this issue has to be fixed within the bank that issued the card witch is KeyBank. I then escalated to a supervisor XXXX who wanted to tell me the same thing. Ive been through this before with other financial institutions the ignorance, incompetence and lack of training to resolve this particular issue is above me. The error given even states CONTACT CARD ISSUER. Am I not getting it?
Consumer complaint received 2017-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Lionstone Holdings Group (NV)

ok i have  2 p ages of payday installment loans taken out in my name and never took out law suit in my name oney stollen my ssn  XXXX  help me they are trying to kill me
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card or loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on my credit report.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (IN)

Was contacted by mail by Cavalry SPV I , LLC about an order to appear hearing. The hearing is set to be on XX/XX/XXXX for garnishment of my pay. Tried calling them on XX/XX/XXXX. They will not talk to me till the date of the hearing. I called the court that this is from. Gave them the cause No. XXXX. Was in formed that this hearing will have no involvement in this hearing. That it will be just me and the attorney involved in it. Was able to find out there was a judgement made to a XXXX XXXX XXXX in XXXX. The letter said it was sent to me by Certified Mail, and it was not. It was sent by normal mail. My wife made credit accounts under my name without my knowledge. She used my name and all other information. To be sure they were kept a secret she would make sure she saw the mail first. She used other phone numbers than the house phone also to keep me in the dark. If there was an order to appear prior to this I had no knowledge of it. I have no idea what account is talked about, when it was done or anything else. All I have is the letter from Calvary SPV I, LLC saying I owe them {$4000.00} and {$1100.00} dollars. This is the first time I have had contact with them, with very little information being made available.
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I paid Mortage in full XX/XX/2021. I received notice from lender of auto debit on XX/XX/2021 for account paid in full. 

I reached out to the lender put my information in and the call goes silent. 
No one answered my calls I called XXXX XXXX department only to send me back to Carrington. 

XXXX XXXX  would not stop the auto draft payment.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have written to you several times to update my personal information. 
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy. 
I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.
Consumer complaint received 2023-06-30
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: SYNCHRONY FINANCIAL (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Accounts are required to report with100 % accuracy. The payment history on Experian records reflect multiple consistencies Ive include video below not to mention that each time I reach out and complain about this account the agency chastises me and reports it as chargeoff how can a closed account report as charge off Im requesting removal of this account for the violation. Not to mention. I never had a {$1900.00} credit limit this has been rigged
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

On XX/XX/2020, my Citi Premier Card was used by someone unauthorized to make purchases at a XXXX XXXX for the amounts of {$1500.00} twice. I never received a fraud notification via email, and it was not until I check my statement online that I found those transactions posted. I called Citi Bank immediately to report them as fraud given that my credit card was nowhere to be found. Citibank started the process of investigation on these transactions, and about three weeks later they concluded that due to a confirmation of an email verification being sent to me the day those transactions were made, they denied crediting my account for those amounts, therefore, I will be held liable for them. 

I explained via phone call and email that I never confirmed such email verification, and that I've been having some problems with my email since I was being subject of hacking to my personal laptop. They continue to deny the claim and they refuse to help me appeal it. I have written an email to the operations manager, and called many times explaining my situation BUT all they say is that the case is closed and that I will be responsible to pay for those transactions. Ultimately, every time I call they leave me waiting on the phone for long periods of time, and basically there is no other option for them to offer at this time. PLEASE HELP!
Consumer complaint received 2023-06-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NC)

XXXX XX/XX/2023 : Opened account with XXXX XXXX ( FDIC XXXX # XXXX ) XXXX XX/XX/2023 : Transferred {$8500.00} and set up an allotment for my military pension into the account. 

Sometime between XXXX XX/XX/2023 : I attempted to log in to my account and found it was locked. I contacted the customer service number provided ; the representative told me that " it is routine to lock accounts whenever a transfer is made, because it is online banking '' ( paraphrased ). This sounded questionable but I was unable to press the issue and waited the requested amount of time. 

XXXX XXXX - present : I am still unable to access my account. I have contacted customer service at least 5 times and no one is able to provide an answer on when I will be able to access my money. 

XXXX XX/XX/2023 : I received a letter stating that since I have not logged in to my account, the bank will switch me to paper statements AND CHARGE ME FOR THEM.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX without my knowledge or permission made unauthorized purchases on my Amazon Store card using my Amazon Prime Video account. The total sum of the purchases is, {$1000.00}. These purchases were made on XX/XX/2023 & XX/XX/2023. XXXX then sent me a text messages stated he made the purchases, taunting me.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

XX/XX/2023 I made payments to Sams Club ( Synchrony Bank ) for my credit card. However I started receiving messages about auto paying on the account. I never set up autopay and then received a letter stating that my accountis closing due to failed autopay payments. The website automatically created auto payments when I did not request it causing my account to show that my auto payments failed to an account that was no longer mines. 
I called the bank to request reinstatement of my account. The agent tried and then advised me to write to the general box. I have written to the company and still have not received a response but I still have been making payments to the account. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

Last Saturday I had over XXXX taken from my account by various companies. I tried calling PNC when I found out but there was no one there to answer. I called Sunday, but they gave me the run around and said they couldnt file disputes on transactions that havent posted yet. So I had to wait until Tuesday when the majority of them posted and the only ones that have been returned to me are several small ones from XXXX. None of the others have been taken care of. Its almost been a week and I believe they are supposed to get that back the next business day. This has caused me to be late on rent since I dont have enough money in my account.
Consumer complaint received 2021-10-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I sent a previous complaint under my married name XXXX XXXX, which is still in process through the social security office. The complaint is supposed to be under my maiden name XXXX. On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.
Consumer complaint received 2021-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (GA)

XXXX XXXX XXXX XXXX is trying to collect {$5200.00} on a PayPal account that has been dormate for over XXXX year 's this exceeds GA statue 's of limitations of over XXXX  year 's.

I was unaware of this for the past XXXX  year 's and received no notice until now, I've checked my credit report over the past XXXX year 's and nothing was posted on my credit account.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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.

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 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 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-29
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: NAVY FEDERAL CREDIT UNION (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax has a closed date of XX/XX/XXXX which is inaccurate information. I have a copy of a letter as of XXXX XXXX showing a balance of {$0.00} before XX/XX/XXXX. Therefore Equifax has once again has place false information on credit report. According to ( FCRA ) agencies should report accurate information. I am asking for a physical investigation not E-Oscar or Metro2. The correct closing date was in XXXX of XXXX as I wrote it down after speaking with XXXX  XXXX representative. I wrote the information on the envelope. Plus the date of the paperwork show I contacted them before the closed date as Equifax has submitted.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Foris DAX, Inc. ()

I wanted to create a credit card ( prepaid / debit ) from crypto.com and they have this process where you have to stake their own cryptocurrency for a period of 6 months. Since that period is somewhat long, I wanted to make sure that I will receive the card so that at least my staking is worth it. 

I live in XXXX XXXX and I wanted to make sure that crypto.com supports XXXX XXXX and I will receive my card. So I spoke to the customer support via live chat and asked them the exact same question that if I will be able to receive my card in XXXX XXXX or not. 

I was told by the customer support team that I will in fact be able to get my card and that XXXX XXXX is supported. Based on that I went ahead and staked {$400.00} worth of their crypto currency to apply for the card. 

Upon completing the staking process, I got a message saying " Thank you for your interest and support. We are working hard to bring Crypto.com XXXX XXXX to your market. We will notify you when there is a status update. '' So I contacted the customer service again where I was told that XXXX XXXX is not supported and they were sorry for the misinformation from their team member. 

When I asked them to unstake my amount and refund me the money, I was told that its not possible and I will be only able to get that after the 6 months staking period. 

I don't understand why when I asked I was lied to, then why can't I receive my money back when the company can't deliver on what they promised ( even after taking their confirmation before proceeding ) Upon searching online, I found out that there are many poor people who are stuck in my exact position with some even paying {$40000.00} ( based on card tiers, from {$400.00} - XXXX ) I have attached the screenshots of the chat history as evidence for this complaint.
Consumer complaint received 2021-10-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

XXXX XXXX XXXX and XXXX XXXX, Are claiming I owe {$450.00} for a Cleaning deposit. The apartment flooded because of a broken pipe, because of faulty plumbing, I have attached the pictures showing the damage. This Management has a History of committing Fraud, My Attorney and my local Government have put them under investigation, My attorney is in the process of filing a Legal Complaint against Fair Collections and Out Sourcing, They Have threatened me and call me 12 times a day, and i know this in in violation of the FDCPA. I have phone recording and documentation. that my attorney has, Thanks for listening. And PS, I ended up paying for the repair, Pics attached.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I pulled my credit report on XX/XX/XXXX. I am showing one 30-day late payment for XX/XX/XXXX as well as one 60-day late payment for XX/XX/XXXXXXXX    for Syncb/Care Credit. I immediately wrote a letter to the agency on XX/XX/XXXXXXXX  addressing the XXXX that those late payments are to removed based on the company reporting those payments without my consent. I further explained that this is an invasion of my privacy, as well as a defamation of character. The company is causing harm to my life by preventing from being able to excel in every aspect. I am continuously being denied being approved for a mortgage loan which I am trying to pursue for the sole purpose of providing a home for my wife and kids. I am also being denied for any vehicle loans. Such conduct has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This company has violated 15 U.S.C. 1692 ( c ) of the fair debt collections practices. I demanded that this company cease and desist of this activity as soon as possible and gave 15 days from the receipt of the notice, which would be XX/XX/XXXX. That included eliminating all late payments from their records and discontinuing and retracting all late payments to any and all credit reporting bureaus. It is well over the 15 days and I have yet to receive a response from the company nor have the company removed the late payments from my credit reports. I granted a few extra days prior to filing this complaint which is now XX/XX/XXXXXXXX  and the company still hasn't taken any action.
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

When I graduated  in 2007 I  had 6 months to start paying on loans. After that period I was trying to consolidate my loans but was told I was unable to consolidate. Making my monthly payment just outrageous and un-affordable. This hurt me through credit, and hardship