davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (NC)

Account Name KIKOFF LENDING LLC Account Number XXXX Date Opened XX/XX/2020 Balance {$12.00} The information they are reporting is incorrect and I do not know this company and I never did a contract with them.
Consumer complaint received 2020-04-10
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. (CA)

On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my Transunion and XXXX credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my Transunion file. As a result an inquiry now appears from XXXX   Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact XXXX  using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted Transunion dispute department on XX/XX/2020. According to Transunion it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover Transunion informed me that they do not have any further information as to the specific company outside of XXXX that requested to view my file. 

Despite contacting both Transunion and XXXX I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

My fiance ' and I opened an account with Keybank. While opening the account we explained why we were opening a joint account. Which was because we had just recently sold a house that we renovated and the funds were coming in the form of a wire in the amount of {$57000.00}. Since the house was in both my fiance and my name, so had to be the bank account. When the wire came through our online banking was restricted and we were instructed to call and from there instructed to go into the bank and show identification. The next morning I headed into the bank only to be informed that our account had been frozen and the funds were now under investigation and what prompted the investigation was that I had a previous account with XXXX XXXX  that I owed {$420.00}. This was XX/XX/XXXX. The very next day we went back to the bank to speak with the branch manager and brought all the paperwork from the title company with us. The branch manager explained that the funds hadnt been processed yet and that once they were she would close the account and give us a cashiers check in a few days, specifically XXXX XXXX. She also stated that she had no use for the paperwork we brought in. We contacted her the morning of the XXXX and she told us to come up to pick up the check. XXXX minutes later the young lady who had opened the account called us back and told us not to come because the account would be under investigation for 30 days and that our money could not be released until the investigation was completed. Is is now XXXX XXXX and I have yet to speak to anyone in regards to when our funds will be released and haven't gotten official correspondence from the investigators.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-09-04
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. (TN)

Hello, I have tried to resolve this with the bureaus and the bank, XXXX XXXX XXXX XXXX, and they either ignore me or try to push the problem to the other entity. 

What happened was that I opened an auto loan with XXXX XXXX right in the middle of COVID, and my account was never set up properly where I could link my normal bank account to the XXXX account to pay the bill. 

I couldn't go in and solve this problem because it was during the middle of Covid. At the time, everything was on lockdown, so I didn't have any funds in the account, and online, no way actually worked for my bank, XXXX, to link to XXXX for a bank to bank transfer. 

Therefore, they registered that I had missed two payments and was severely delinquent on my account. 

The lender I worked with never reached out to me to resolve the issue when I couldn't link my accounts with theirs to pay the bill when the bank branches were closed during covid, and the online website didn't work. 

I'm not asking for anything out of line or impossible to achieve ; I have even paid more than my fair share to the bank ahead of schedule in an attempt for them to correct their report. 

I am only asking for the false, derogatory marks to be removed. I think this is pretty understandable considering both parties are to blame and that I have already made up for the payments and added more. 

As far as other people are thinking about looking to get a loan with XXXX, I know they have lower rates, but they really have to work on their back end where they don't trash people 's credit if there is an error. 

I also do not appreciate the fact that I have called them multiple times and made efforts to reach their manager, and they either put me off or tried to push the problem on the bureaus or someone else instead of helping their customer. 

Hopefully, this helps resolve this issue and that something good can come from my situation.
Consumer complaint received 2021-09-04
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. (TN)

Hello, I have tried to resolve this with the bureaus and the bank, XXXX XXXX XXXX XXXX, and they either ignore me or try to push the problem to the other entity. 

What happened was that I opened an auto loan with XXXX XXXX right in the middle of COVID, and my account was never set up properly where I could link my normal bank account to the XXXX account to pay the bill. 

I couldn't go in and solve this problem because it was during the middle of Covid. At the time, everything was on lockdown, so I didn't have any funds in the account, and online, no way actually worked for my bank, XXXX, to link to XXXX for a bank to bank transfer. 

Therefore, they registered that I had missed two payments and was severely delinquent on my account. 

The lender I worked with never reached out to me to resolve the issue when I couldn't link my accounts with theirs to pay the bill when the bank branches were closed during covid, and the online website didn't work. 

I'm not asking for anything out of line or impossible to achieve ; I have even paid more than my fair share to the bank ahead of schedule in an attempt for them to correct their report. 

I am only asking for the false, derogatory marks to be removed. I think this is pretty understandable considering both parties are to blame and that I have already made up for the payments and added more. 

As far as other people are thinking about looking to get a loan with XXXX, I know they have lower rates, but they really have to work on their back end where they don't trash people 's credit if there is an error. 

I also do not appreciate the fact that I have called them multiple times and made efforts to reach their manager, and they either put me off or tried to push the problem on the bureaus or someone else instead of helping their customer. 

Hopefully, this helps resolve this issue and that something good can come from my situation.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS SELECT PORTFOLIO SERVICING INC. WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX, IS SENDING TO WRITER TEXTS MESSAGES REMINDING TO PAY WHICH WAS DUE XX/XX/XXXX. THEY HAVEN'T SEND ANY NOTIFICATION OFFERING ME WAYS TO PAY OR ANY ACT OF CONSIDERATION AS PER THIS UNFORTUNATELY SITUATION. I CONTACT THEM WITHOUT A POSITIVE RESPONSE. 
THEREFORE, I WANT TO REPORT THIS INSTITUTION, AND ASK YOUR OFFICE TO HAVE THEM CORRECT THIS ACTION AND BE MORE SENSITIVE WHAT IS GOING ON IN THE WORLD.. 

I AM A SINGLE WOMAN, AGE OF XXXX, WORKING TO COMPLY WITH THE PAYMENT HOWEVER I HAVE NOT COLLECT ALL MONEYS TO COMPLETE THE XXXX PAYMENT. PLEASE ACT ON MY BEHALF AND CORRECT SPS FINANCIAL ENTITY.. 

THANK YOU BEFOREHAND, FOR YOUR ATTENTION TO THIS REQUEST. 
XXXX XXXX TEL XXXX ACCT # XXXX
Consumer complaint received 2019-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kashable LLC (AZ)

On XX/XX/2019, I applied and was approved for a loan with this lender. I had to provide my ID, social security number, proof of employment, bank statements showing Automatic Clearing House ( ACH ) deposits from my employer, and set up an allotment and show proof. Kashable is a lender designed to help it's employees and federal employees with loans. 

However, I was told on XX/XX/XXXX that my loan would not be finalized because I have a business account and my loan would get rejected by my financial institute. I told the woman that is not true as my agency deposits ACH payments into my account and I never had any issues. 

I was then placed on hold and told that they will reach out to my financial institute as a courtesy to me but needed a manager on the phone. The manger XXXX was busy. I was told that I would receive a phone call later that day. I did not receive a phone. 

On XX/XX/2019, I reached out to Kashable under the impression we would be reaching out to my financial Institute to better address this concern Kashable claimed to exist. 

During the phone call XXXX told me something extremely different than the information I had heard the day prior. He told me that my business account was not a checking account which it actually is. He rudely told me we denied your application because you don't have a checking account. 

I then proceeded to ask could I speak to a manager. He hesitated and begin to deflect my questions. Then he finally told me that he was a manager and my loan had already been decided on. I asked to speak someone higher than his position. He told me that everyone is busy and he is the only one I could speak with because he is in charge. I asked him again who else could I speak with. He finally tells me XXXX I believe. I asked could I have his direct line he said they don't have direct lines. 

I asked could I receive a call back from him he explained that he will relay the message. I have not heard from this person and it has been about 3 hours. I was told I should hear something back within 2 hours. 

XXXX became very unprofessional and sound as if some of the information he was giving was not factual and made up as the conversation carried on.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On a monthly review of my account online, I found {$2100.00} worth of transactions I did not make. Call BOA same day to report. On a call a few days later to check status found they showed amount only {$1400.00}. BOA rep and me found that 2 amounts were not included cuz one was pending at time and one just was not recorded. Filed 2nd claim. BOA denied first claim but issued provisional credit for 2nd. Denial was that no posting error occurred. Called BOA was told send police report. Faxed BOA police report as well as info I found in my own research that XXXX pays were made to friends he had on his XXXX account and that his girlfriend in Utah was one of the people that got a XXXX pay, she sent me a text she got from person I named as the suspect that makes reference to the amount of the transaction sent to her. I also informed them that one charge was made in Utah where I have never been and that was alerted me to who I believed stole me card info. Followed up with the girlfriend and she never got call or letter from BOA asking for verification of my evidence. BOA denies claim again. Called BOA for more info and was told that 1st claim was being denied for all transaction because of one specific transaction made where my card was present, all others were made as on line purchases. I explained to bank that I had let this person in my home and that he must have stolen my card used it, then put it back so I would not suspect anything then continued to but thins on line.

I faxed bank proof of my whereabouts for the specific transaction with statements from 2 different parents for whom I was providing childcare for on that date and time and also verifying my exact location along with copy of google timeline that backed it up. BOA did not call at any time either parent for verification. BOA denied again. Sent final demand letter and never received a response from BOA The 2nd claim filed for {$660.00} was approved and returned to me. They only deny the 1st claim
Consumer complaint received 2020-04-10
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo and the Payroll Protection Program. When contacting the bank on Monday morning, I was told the funds had already been depleted. Apparently the bank was opened on " Sunday '' and the window was closed within hours. What bank does its business on a Sunday. This bank should have been dissolved as their practices are still questionable at best. If my business should survive this government mandated XXXX  process, I will be switching financial institutions.
Consumer complaint received 2021-10-20
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also the following inquiries are unauthorized fraudulent inquiries. Please investigate and remove immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (OK)

Sequim Asset Solutions talked to multiple people over the last few weeks told them they had the wrong number and to stop calling multiple times of the day. I was told my number would be removed with in 24 hours and I still continue to get calls. The calls consist of answering the call and silence, then the call  hangs up. If you call back you get a rude person you can barely understand trying to collect money on a debt owed by someone other than myself. Then they ask for your name address and date of birth. I then promptly asked to be removed that I was not giving that information to them.
Consumer complaint received 2021-10-20
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. (MD)

XXXX XXXX creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my account.
Consumer complaint received 2019-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I’ve been disputing this item for 3 years now. My latest attempt was XX/XX/2019.Spent over 10,000 on repairing my credit.
Consumer complaint received 2021-10-20
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. (MD)

XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my account.
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (GA)

Step 1  : What is this complaint about? 

My credit report is showing that I have debt collection for the amount of {$230.00}, from my former XXXX   provider for service on XX/XX/2017, which is incorrect. 

Step 2 : What type of problem are you having? 

My former XXXX  provider, XXXX, is trying to charge me for a service that has already been paid by my XXXX  insurance carrier. Never was I a cash-paying customer. At the time of service, no one asked me for payment nor did anyone tell me that I had a balance of {$230.00}. My insurance information was already on file in their system. 

Step 3 : What happened? 

My former XXXX  provider reported me to a collection agency for a routine office that was covered by my XXXX  insurance carrier. I paid the co-pay in cash and never was I asked to pay for anything else. 

Step 4 : What company is this complaint about? 
XXXX  who has reported me to the debt collection agency, Capital Accounts. 

Step 5 : Who are the people involved? 
Myself, XXXX and the debt collection agency, Capital Accounts
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have disputed this item on several occasion. I contacted the creditor and also received information that is not correct. I sent what I received from the creditor along with a dispute and this item was not removed from my credit report which violates the credit reporting act. As stated if the information is not correct it should be delegated from my credit report. This has caused hard ache with me trying to purchase a home. Experian states they have verified but never provides source of verification or validation as requested in which also violated my rights.
Consumer complaint received 2020-04-10
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)

ftc violatons FTC Action : XXXX  XXXX XXXX to Pay {$85000.00} Civil Penalty Allegedly Violated Order that Barred Deceptive Advertising of Vehicle Costs The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

Section 604 ( a ) ( 4-5 ) : Child support purposes The settlement requires XXXX and XXXX to pay {$130.00} million to the FTC and {$34.00} million to New  York  for allegedly violating the ...
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

I tried using the card at the end of XXXX, would not let me make a purchase. I tried getting money out of an ATM, it wouldnt work. I spent two hours on the phone to be told my account was permanently suspended because I had broke title 15d of their contract. I asked what that was, she told me I would have to write them a request for the answer. I couldnt use the Amex Serve app. I was locked out. My phone was telling me I still had XXXX, this was an email I received daily and then it showed 0 two days later. I waited ten days for a refund check, nothing. Two days ago I received an email saying I had XXXX, so I tried to get on the app, it finally let me on, I looked at my transactions and it said withdrawal by check on XX/XX/XXXX, and then check reversal on XX/XX/XXXX for {$380.00}. This happened while I couldnt get on the app. Unfortunately my paycheck was to go to another card, and I found that it ended up on Amex Serve card that I cant use. I have photos of the transactions on my phone, and video of the the check reversal, please help.