davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: KEYCORP (ME)

We have had an account with Keybank and the previous bank they purchased, XXXX XXXX for about 38 years now. In XX/XX/XXXX we were offered as part of our account with Keybank a FREE safety deposit box. 
On XX/XX/XXXX we received a letter stating that our checking account was debited for {$160.00} for our safety deposit box # XXXX being delinquent. On XX/XX/XXXX I called the XXXX number on the letter and with the second representative ( XXXX ) I dealt with and was told this was a bank branch issue and I had to contact the branch. 
I contacted the branch on XX/XX/XXXX and on XX/XX/XXXX the branch manager XXXX XXXX called and explained to me that the account had changed because in XXXX I had raised concerns about service charges and that we were notified of the account change. I honestly do not remember a service charge issue but I can state emphatically that we were NEVER notified of a change resulting in our FREE safety deposit box becoming a safety deposit box with a charge. If I had known we were going to be charged I would have either paid it on time, or closed it. 
XXXX XXXX stated we were notified but I must state again we were not. In fact Keybank can and does find me when they want to send offers of checks to use and charge to our credit card and that in fact is the ONLY mailings I have received from Keybank until the letter of XX/XX/XXXX. 
I was also told that although he was not passing the buck I should call the XXXX # which as stated we already had called and I told him so. 
On XX/XX/XXXX XXXX XXXX called me back and stated that {$69.00} of the {$160.00} debited to our account was credited back. When I asked why just {$69.00} I was told it was better than the zero we were going to receive prior to his negotiating on our behalf. 
On XX/XX/XXXX I completed a survey sent by Keybank via email and wrote of my concerns over this issue and as of XX/XX/XXXX have had no response. 
On XX/XX/XXXX I cleaned out our safety deposit box and introduced myself to XXXX XXXX. I thanked him for his efforts but told him I felt we should have all of our money credited back to our account and that I was in fact moving forward to lodge this complaint. 
He just shrugged his shoulders.
Consumer complaint received 2019-02-02
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. (TX)

Sent evidence that a collection was closed or sold and requested a method of investigation for the original request sent out on XX/XX/2019. On XX/XX/19 Experian sent me a letter that there investigation was complete and the items I requested to be investigated was not removed or no method of there investigation or proof was attached. Please see attachments to this complaint including USPS tracking numbers and there letter they sent to me today. Experian is clearly in FCRA violation and performing deceptive business practice.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (MO)

The file is with the bureaus. Their number is XXXX XXXX XXXX. I called them today and they stated that they no longer had the file # XXXX and they they sent it to a collection agency called D & A services. They transferred me to D & A services and I spoke with the manager XXXX XXXX, she stated that they do not have the file that they say I owed. I asked her well why is it being reported to my credit report, she told me to contact the bureaus agency again. I did and they insist that they did not have the file either. Please have this removed from my credit report asap because they are reporting a file and debt that they do not have record of. XXXX is the only bureau that has taken this off my report..
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019 I contacted this guy by the name of XXXX XXXX via XXXX to buy XXXX tickets for a game in XXXX Texas for the XX/XX/2019 game. He according had the tickets I needed and asked me to deposit him close to half ( {$500.00} ) the amount in order for him to be able to transfer the tickets to my ticket master account. Which I have buy tickets prior that way and no fraud has been happen before ; however this time, was different. He asked to deposit via XXXX which is the app the bank I used has it, so I figure was easier and fast. Once I transfer and it went thru, he no longer texted back, nor answer his phone and of course no tickets where transfer of tickets. I called right away to my bank and spoke to XXXX asking her to go head and cancel that transfer but she mentioned " I can't do nothing because you click the pay now option " I said well if I didn't click the now the person wouldn't transfer the tickets since the game is the next day and still had to drive 10 hrs to the game. After that she said " well it's tell pending on my side of the screen. So you have to be checking until it clears and then start a claim ". So I did and claim was initiated. After days, received a letter that my claim was close because they were nothing they could do due to I initiated the transfer and XXXX the app do not allowed to dispute and the third party of association doesn't give information from their account holders. So I next step was to file a police report but still no guarantee that the person will be paying back or even find that person even tho i have phone number, email, txt and of course the banks know about that person Info if not how it allow me to transfer and if I was the one initiated transfer why I can't be the one able to cancel as well. So I would appreciate if I can be assisted and make this individuals from scamming and stealing from honest individuals, as well make banks back you up, specially if the bank offers that app to transfer money. I thank you in advanve. Thank-you! I will be waiting for your response on this matter.
Consumer complaint received 2017-07-01
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. (MI)

I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I have sent a total of three letters each to Experian,  XXXX , and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.  XXXX  removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I deposit cash to my chase account and atm ate my money but not deposited. While I using the atm the ATM got error. And I complained righ away and they gave me temporary credit couple days later but they just took my whole credit back again. I called chase customer service right away but they said my case is closed. I cant believe this happen where my money goes
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (GA)

I asked XXXX to validate and check for inaccuracies. They sent me a letter by mail stating that all information was correct and validated. I have done my own investigation and for inaccuracies. I have a right for my credit report has inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information the consumer reporting agency has a responsibility to remove it. 

XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account US DEPT ED XXXX Validate Account In accordance with the Fair Credit Reporting act these accounts that are listed above, has violated my rights. 

15 U.S.C 1681 States I have the right to privacy.

15 U.S.C 1681 Section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-29
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. (MN)

The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (VA)

I am writing to you to block FMS FINANCIAL Solution ( Original Creditor : XXXX XXXX XXXX XXXX XXXX from my report immediately. I do not owe this debt. This is inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility.
Consumer complaint received 2019-09-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Systems International, Inc. (TX)

The following collection agency has repeatedly contacted me about a paid debt of {$72.00} for XXXX XXXX with XXXX XXXX XXXX XXXX. My confirmation number for the payment to the creditor is XXXX. In addition, the collection agency has reported me to XXXX Credit Reporting service ( and maybe others ) as having a collection account. I have disputed the reported item with XXXX, but the collection agency keeps responding to my disputes that the bill is outstanding. This is inaccurate and unfair information and the collection agency refuses to let it go.
Consumer complaint received 2022-09-02
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. (GA)

I asked XXXX to validate and check for inaccuracies. They sent me a letter by mail stating that all information was correct and validated. I have done my own investigation and for inaccuracies. I have a right for my credit report has inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information the consumer reporting agency has a responsibility to remove it. 

XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX  XXXX Validate Account US DEPT ED XXXX Validate Account In accordance with the Fair Credit Reporting act these accounts that are listed above, has violated my rights. 

15 U.S.C 1681 States I have the right to privacy.

15 U.S.C 1681 Section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IQOR US INC (NY)

In XXXX I took out a federal student loan for ( XXXX ) XXXX dollars. ever since XXXX my taxes has been taken. Its been 30-40years and my taxes are still being taken and this student loan has been paid in full 30times the amount. Now this credit bureau is haressing and calling every day and I am not going to pay them when this student loan is over 40years old and the school went out of business. I need help, the name of the agency is Allied Interstate base in XXXX, OH. thanks
Consumer complaint received 2022-09-02
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. (GA)

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-09-02
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. (GA)

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Dear Paypal my Complaint is regarding difficulty in withdrawing my remaining account balance. I request the ability to initiate a transfer of my remaining account balance thru a BANK CHEQUE under my Paypal business name and under my Paypal Business Address, please ( and NOT via Bank Transfer withdrawal ), Thank you.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

IN REGARDS TO : RESURGENT CAPITAL SERVICES. XXXX XXXX XXXX XXXX, SC XXXX. I HAVE NOTIFIED THIS COMPANY THAT THE CREDIT CARD THROUGH XXXX XXXX XXXX WS OPENED FRAUDULENTLY AND THAT I HAVE NEVER HAD A CREDIT CARD WITH THEM. I SENT SEVERAL CERTIFIED LETTERS ASKING TO VALIDATATION AND DEBT VERIFICATION FOR MY RECORDS TO PROVE TO THE COMPANY THAT THIS ACCOUNT IS NOT MINES, AND I AM A VITICM OF IDENTITY THEFT AND ITS TAKING ME ALOT OF TIME AND MONEY TO GET THESE ITEM REMOVED FROM MY CREDIT REPORT. MY INFORMATION WAS STOLEN WHEN I WAS INVOLVED IN A TORNADO THAT SWEPT THROUGH XXXX TEXAS IN XX/XX/2015 AT THE TIME THAT'S WHERE I RESIDED THAT MADE IT ON THE NEWS AND I LOST EVERYTHING. I NEVER RECOVERED MY PURSE AND MY CAR WAS TOTALLED DUE THE DAMAGE. THE ADDRESS ASSOCIATED WITH THE ACCOUNT WHEN I ASKED THE REP WAS SOMEWHERE IN XXXX XXXX TEXAS AND I HAVE NEVER LIVED THERE.IM TRYING TO RESOLVE THIS MANNER IN THE BEST POSSIBLE WAY I CAN BUT I AM NOT RESPONSIBLE FOR THIS DEBT. SO ONE HAS BEEN USING MY INFORMATION TO OBTAIN CREDIT IN MY NAME AN ITS UNFORTUNATE FOR ME IM LEFT TO DEAL WITH THIS MADNESS.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow up to compaint nbr XXXX posted on same site. While JPM has contacted me twice during this week, they are now stating that my loan is a conventional loan. <P/>However, JPM representative assigned to the case, XXXX XXXX who is acting as a liaison between the mortgage unit manager and myself, does not know exactly what transpired at the time. She was trying to get information as to how I came about the rate and the loan application. It is obvious to me that the purpose of obtaining that information from me is so that they can formulate their argument/excuse as to why I received the incorrect interest rate. <P/>Furthermore, I requested that JPM post her communications thru this site and she confirmed that indeed all our communications were posted here. However, I do n't see any posted on the CFPB portal. <P/>I restate that JPM after confirming that they indeed granted me a Harp loan, they did n't honor the available rates at the time which were below 4 %. Back in 2011, JPM insisted that the only rate I qualified for was 5 % and only if I increased the term of the loan. The effect of the change did decrease my monthly ; however, it increased my overall amount when i had excellent credit. I had at the time 2 mortgages and even under the worst personal financial difficulties, I never defaulted on any of my mortgage payments. As mentioned before, I do believe that JPM incorrectly granted me a high interest rate because they were reporting I owed them money on a credit charge, JPM made a mistake of sending out after they indicated that I had not been approved for such credit. XXXX paid off the vendor and JPM did n't want to hear about it. The other possible reason why jPM gave that outrageous plan is because the building under which I had the other mortgage for an apartment I own, had the land and property titles under my apartment. JPM was holding the master loan and they knew the building was in trouble. However, neither the credit card issue and much less the separate mortgage under the apartment needed to be considered in JPM analyst/evaluation of my credit worthiness. It seems to me that JPM actions were discriminatory and unfair business practice.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed  that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.