davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP (CO)

I had a relationship consisting of a checking account, personal line of credit, and a credit card with Key Bank. All of a sudden all XXXX accounts were closed within the last 10 days and the only explanation I got was that the bank has a right to make that type of closure. They told me that that I am excessive risk and I feel it is merely a ploy of an excuse. My credit card is paid off every single month and I usually keep my reserve line of credit at a {$0.00} balance unless I need it for an emergency, etc. My checking account has very little cash deposits and I do not overdraw my account to incur fees. My credit score is pristine ( XXXX range usually - changes monthly ). 

My personal line of credit just renewed in XXXX and I had to pay an annual fee of {$50.00} to cover the annual dues for period XX/XX/XXXX through XX/XX/XXXX. After receiving this account closure notice I requested a refund of the {$50.00} fee paid ( I even offered to accept a pro-rated refund of the unused portion ) and the telephone banker told me that they were unwilling to provide such a refund. 

This is unfair and abusive to close my account down in such a manner as I have been a very responsible individual and maintained a positive relationship with my accounts. I feel that as a consumer I am entitled to a detailed reason for account closure and why I am treated unfairly. I am asking for a detailed reason not some general excuse. This is quite irritating and has me very upset as I must now spend time and resources to go and establish a new account somewhere else. The reason I'm upset is that this is now going to hurt my credit file since the creditor closed the account rather than myself taking the initiative to do so. Other potential new creditors will see this reporting and it may impact my ability to secure a new relationship with another financial institution.
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Freedom mortgage withdrew {$370.00} from my escrow allegedly to pay for my insurance but insurance company has advised payment was not made. Requested copy of cancelled payment twice and representative refused to provide evidence of payment to me as the owner of the escrow even when and if they received copy of the check.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (FL)

I was reviewing my credit report and noticed a late payment in my CHASE AUTO account number XXXX past due in XX/XX/2018, i am not sure how this happened, i believe i made my payment on time when i received my statement, my account is in automatic payment, they did not charge my account on time.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX XXXX Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX Account Number : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
11 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
XXXX XXXX XXXX XXXX. This doctor is charging me for services for braces that my child never received. 
Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.
Consumer complaint received 2020-07-28
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

hello XX/XX/XXXX I decided to open an account with XXXX XXXX XXXX, the time I opened the account I was told that If I need to purchase something I can buy with the receipt that they gave me until I receive my new card. 
on XX/XX/XXXX, I got a call from XXXX, one of their customer services told me that I was late for two months and I told them I didn't get the card or any statement yet how can I have a past due for 60 days? they say yes we have sent you the card and all the statements when I told him to verify the address they actually sent it to the wrong address so the customer service told me they will remove any late fees which they did. 
They've requested that for the future I can create a XXXX account and set up autopay which I did. The customer service stated that I need to make the payment today or I will get a 60-day overdue report on my credit, so I paid the gentleman {$300.00} that day On XX/XX/XXXX with a check I thought that was it but it wasn't. 
so in XXXX, I decided to get financing for a new car at the time my credit score was XXXX and I am applying for the car I qualified for with a low-interest rate. When I got to the dealership they have to check again I found out that my credit score has dropped XXXX points, came to find out they did report a 60-day negative payment on me. and it was XXXX. I had no choice but to finance the car with a high-interest rate. 
I called XXXX more than 28 times and each time I call XXXX they gave me a different supervisor and stated that whomever I had spoken with they don't know their name to they don't work here anymore to asking to give them 30 to reply back to the credit bureaus. 
I've opened several disputes with the credit bureaus but every single time a dispute was in my favor another person would add the bad credit back to my credit history. so I've decided to pay the credit off so I don't have to deal with XXXX anymore. In XX/XX/XXXX I received a package from Calvary XXXX stating That I owed them {$1700.00} ' I called them to state them that the account was paid off and that's when I found out there was another account opened at the same time and they stated that I was making payment on it, came to find out that XXXX has been taking money from my bank account for 2 different accounts when I only receive 1 credit card from them, so I called XXXX asking them to send me a copy of any statements which they did but with the wrong address. 
with all that, they refuse to accept responsibility for their mistake. 
during the beginning year of XXXX Corona Virus time, Calvary XXXX kept on reporting negative history on my credit, I'm self-employed I couldn't get any loan for my business, my credit was XXXX, I couldn't for the PPP Loan I could get any type of credit with SBA, I was forced to close down my business, they've turned my life upside down, my finances my family my mortgage, my car payments and everything else that I've worked for.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (NY)

This company Klarna says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (NV)

Im not able to login on Experian website like I use to ; as if, Ive been blocked off it. 
For complaint number : XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Nissan Acceptance Corp is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked Nissan to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (CA)

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from XXXX and Equifax and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

2 XXXX money transactions were made on my savings account but were NOT authorized by me though Wells Fargo said they were. I have never used XXXX and do not know these individuals. I was victimized by these criminals and not protected by my bank of over 20 years. I am now a senior and a widow and I want and need my money. I do not even know how these scammers knew I had an account with Wells Fargo. Their security was breached and Im paying the price. Am I not protected? This began on XX/XX/2022 and is still not resolved. Please help me as I know this is fraud and I have protection under the Electronic Fund Transfer Act.
Consumer complaint received 2020-07-28
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. (CA)

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from XXXX and XXXX and was removed from Transunion. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Consumer complaint received 2019-03-26
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 3 of this credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this.
Consumer complaint received 2021-06-10
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. (NY)

I have inquiries on my Transunion credit report that i didnt authorize the dates of these inquiries is XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX i called Transunion and spoke to 2 different representatives about doing a dispute and investigating these inquiries the first representative told me i needed to get a police report the second representative said they could not remove the inquiries but she never put in a dispute for them I have sent letters to the companies and sent a certified letter to Transunion i havent heard anything from them or the companies. I called the companies as well but they couldnt give me any information because i am not one of there clients. I wrote Transunion a letter 2 times
Consumer complaint received 2020-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (WA)

in XX/XX/2019 western union NetSpend locked me out my account told me that account is closed because of suspicious activity. they would tell me suspicious activity and said I was forbidden to ever use the company again. so I've contacted them several times requesting my transaction history. each time the put me on hold I've been on hold as long as XXXX hours they since account is closed and not active they can't give me my transaction history on top of won't give a legit reason why they closed my account and won't let me get back into it
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I called in for Income Driven Repayment in XXXX. I filed for Income Driven Repayment in  XXXX and submitted a bank statement as my proof of income in XXXX. I saw that my payments were due on XXXX XXXX ( the date when all of my loans entered repayment ).

On the Navient website the bank statement ( which I submitted ) is listed as an acceptable form of proof of income. My written communication from Navient indicates that I needed to complete ( or re-file ) an application for Income Driven Repayment. I called Navient on XXXX XXXX and the first phone representative was pleasant, sent a new application and indicated that she wanted a different proof of income. I never received any written notification that the proof of income that I submitted was the issue, but that I needed to re-file the application. I would have to either : walk ( in freezing weather ) to my rental office or get one from work. 

I called Navient again after reading on the Navient website that a bank statement was accepted as proof of income. The phone representative debated this fact and asked me to read from the website. As I read the acceptable proof of income, the customer service, the representative admitted that she was not able to read along and could not view or navigate to the Navient site that she asked me to read from.

I asked the representative to get a manager. The manager indicated that a bank statement was acceptable when someone was self-employed. I insisted that the proof of income was not rejected in writing. ( And why should I interrupt my work day to get documentation from work when I had already submitted acceptable documentation to Navient, according to their guidelines? ) The due date for my student loans was changed during this interaction with {$260.00} coming due on the XXXX XXXX ( the date that I believe was the date of my last contact with Navient ). All loans were due on XXXX XXXX prior to this call. Either as a result of the lack of job knowledge from the reps and manager or out of malice, this happened.

I have not received information or any update regarding my Income Driven Repayment application status. 

If the bank statement is it not acceptable proof of income, I would like written correspondence from Navient. The phone reps were guessing that the reason why the application was rejected was because I used a bank statement for proof of income. Your written correspondence regarding the application does not support anything that your phone reps said.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

My account with XXXX XXXXXXXX XXXX  is currently is in good standing with a zero balance was illegally sold to a debt collector who is ruining my credit, harassing me for payment on an account I do NOT owe on. I have gone over and over with both companies- XXXX XXXX has me in good standing, zero balance and says I was not sent to collections, but yet can't help me figure out what is going on. When I speak to Midland Credit Management they say I owe this account. I have sent in years of statements to prove I don't owe this, to show my accounts are in good standing with a zero balance. XXXX XXXX keeps hanging up on me and Midland gives me the run around now. I don't know what else to do at this point. I will be meeting with an attorney to sue them both, but what they are doing is ILLEGAL. Midland account # XXXX XXXX XXXX XXXX