davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (NC)

Dear Key Bank, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part. 

I extended my credit with Key Bank in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that Key Bank has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books. 

It is unacceptable for Key Bank to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, Key Bank 's failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341. 

I demand that Key Bank rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing.

Done in good faith.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ), XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX, Balance {$810.00}, Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, Balance {$1300.00}, Original creditor XXXXXXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX XXXX Date opened XX/XX/XXXX, Credit limit {$100.00} XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$800.00} ) Its been over 45 days and Equifax XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (WI)

I have a Chase British Airways XXXX card. I have always paid off the entire balance. APR is 15.24 % so I would never ever consider carrying a balance. The statement period that ended XXXX/XXXX/15 had a balance of {$20000.00}. I made total payments {$20000.00}, there was also a credit in the amount of {$16.00}. Thus the balance to be carried over to the next statement period was {$380.00}. My mistake but I figured that it would n't cost me much. I was quite surprised when I reviewed the XXXX/XXXX/15 statement -- interest in the amount of {$54.00} was charged. I discovered that Chase charged full interest on a balance of {$4200.00} that would appear during the next billing period. I think this is grossly unfair, My position is that I should pay interest only on the {$380.00} difference stated above. After reviewing complaints on your site I have learned that this is systematized. This makes Chase standout as a first class loan shark. I am questioning whether I should continue to do business with Chase. I hereby request that Chase refunds me the difference between {$54.00} and the approximate {$4.00} that I should have paid on a {$380.00} balance. This means a refund of {$49.00}.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.
Consumer complaint received 2021-10-29
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

XX/XX/XXXX I did not discover that I my mortgage pay off to JP Morgan & Chase was in question until today. 

I assumed a XXXX XXXX  in XXXX after being notified by JP Morgan that they were going to foreclose on my home due to the terms of the mortgage that I initially assumed had expired. 

I was able to secure a XXXX XXXX on XX/XX/XXXX thereby averting the foreclosure with JP Morgan. The Realtor that facilitated the sale was XXXX XXXX with XXXXXXXX XXXX located in XXXX, AL. We closed and I was informed that I was not getting any monies in hand. The only benefit was that the Mortgage company, ( I believe at the time was XXXX XXXX, XXXX California ) would assume payments. I didnt contend. I was grateful to keep my home but was a bit disappointed that I wouldnt receive any monies in cash. 

I am actively seeking a loan from USDA to do home repairs. I discovered today during a conversation with a current Representative from XXXX XXXX, the company that now holds my loan, that her records indicated that I was paid XXXX with XXXX being paid to JP Morgan & Chase. I informed her that I never received any money ; that I was informed I had no monies due me. She advised me to look into it. 

I contacted the Settlement Agency as advised, XXXX XXXX XXXX AL at XXXX on XX/XX/XXXX. A female Representative informed me that I needed to contact the company who received the payoff. 

I contacted JP Morgan & Chase on XX/XX/XXXX and spoke initially, with XXXX in Customer Service who told me that there was no record of any such loan with them under my name or Social Security Number. He connected me to the XXXX Department at XXXX this same date. He informed me that a XXXX  XXXX requested that I fax over everything I had to them. I responded no, that I needed to speak to someone. Later I was connected with a XXXX, who identified herself as an XXXX XXXX who also stated that they had no information on me having a loan with them. 

Later that evening, I received a call from XXXX of JPMorgan & Chase at XXXX who stated that she found my record but that she didnt see any record of their company receiving g anything other than {$100000.00}. Again, she requested that I fax her all the info that I have to them. I refused because I suspect that they/someone took {$69000.00} from me. 
If this is true I have been grievously defrauded. 

My home was appraised at I believe, {$190000.00}. I would like to know what happened to the rest of the monies less Realtor fees, etc. 
Please help.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

On my Equifax report, my address city is listed as XXXX, Tx XXXX. Up until about 1998 this was correct, but my subdivision then incorporated and formed its own city XXXX XXXX, Tx XXXX. How can I simply get Equifax to correct this address issue? 
Thanks, XXXX XXXX
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (UT)

I have sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$16000.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$12000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-10-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (OR)

The lender with which I've applied and have been approved has twice failed to fund the loan. 

For the second time in three weeks Ally bank has sent a closing officer to my house, had me sign everything, then waits until after the 3-day cancellation period ( Oregon ) and then continues to ask for additional information outside of the application.

After I provide each piece in a very timely manner they ask for one more. They asked for paystubs and I provided them and then they told me they could be doctored. They then said that a screenshot of the business bank account showing recent transactions ( within 10 days ) would suffice and I provided it. They then asked for my accountant 's information which I provided immediately.

This is all after we have already " closed '' the loan and waited until after the 3-day cancelation period. 

I have asked for the supervisor 's information and they refuse to give it to me. I have already paid for the appraisal and they have taken nearly 2 months and have still failed to close. 

I have provided all documentation and information to them almost immediately after they request it. My income, credit score, and assets all easily qualify for this loan and the refinance does not include any cash-out and I am refinancing at roughly 55 % LTV.
Consumer complaint received 2017-07-13
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. (CA)

This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment credit report.
Consumer complaint received 2023-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

To whom it may concern : Im writing in regards to deceptive practices and misinformation and misclassification of the PLSF public service forgiveness program.

Im a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. During my tenure I was informed about the XXXX XXXX when I lost both my parents to XXXX in back to back years going towards XXXX. With the PLSF program in effect at the time. I proceeded to go back and get my degree for that reason. I took out direct federal loans and promptly applied through XXXX XXXX which is now transferred to MOHELA Services Ive provided documentation and recorded it to the services and my certified employer XXXX XXXX XXXX XXXX XXXX Department in regards to the payment of credits that is accounted through the Federal Student Aid website. I continue to be led on to believe I will get the credit towards my PLSF loan forgiveness. The program itself is deceptive even from its inception in XXXX and led people to believe something will occur to help people that sacrificed their lives for the sake of not being directed properly. 


What the Serviicers like XXXX XXXX MOHELA are simply an extension of the Department OF Educations misdirection with its borrowers. Its no wonder there are lawsuits that happening. What they are only trained to do is falsely promote, provide misleading information and deceive people with qualified Federal loans and put their accounts in deferments without the proper approval of the borrowers knowledge to achieve accure loans in interest payments towards the borrowers. Effectively, they are accumulating these loans with interest and selling them off to other lenders or borrowers. 

When borrowers would call they would simply be told they are working on it and to call back in a couple months or make false statements to borrowers about their loans. This has been a practice and problem that has become common for years of abuse towards borrowers about how theyve been treated throughout the years of trying to find out when they would get the credit they deserve for sacrificing their public service duties to the PLSF program. This needs to stop and borrowers need to be able to be aware of these issues and practices that are happening. Im in need of help in this process to properly understand these organizations that continue to mislead the people that dedicated their lives to help others. 

Please feel free to reach out to me in regards to this matter at XXXX. 

Best, XXXX XXXX
Consumer complaint received 2022-10-12
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. (TX)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Experian needs to delete this file
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (OR)

I got an alert in 2017 that there was a collections on my credit report. Ive disputed this several times and have requested debt validation and all that they send me is an invoice from XXXX for {$96.00} with my name but an address which is incorrect. This isnt mine and the collection agency has failed to demonstrate that this specific debt belongs to me to collect on that debt.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-10-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX - XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents to support my claim
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In the beginning of XX/XX/2022 I started receiving several emails and phone calls that I had been per-approved for loans and vehicle purchases, I have been trying to apply for a personal installment loan and I have been denied numerous of times until I was redeittef to a company to verify my identity, thats when I was informed that my social security was locked do to suspicious activity ... possibly identity theft so my social security account has been locked do suspicious activity, I also received a phone call from the social security administrator advising me that my social security number was being locked due to suspicion. So on XX/XX/2022, I pulled a copy of my credit report on Experian and noticed that I had multiply loan accounts opened with I never got. I also noticed that there was a new address reported on there and I have not received any payday loans nor have I ever lived at the address that was reported, so there for I have come to the conclusion that I am a possible victim of identity theft.
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NV)

XXXX XXXXs send me a bill for lab services XX/XX/2017 for $XXXX. I disputed the debt in writing (certified mail) and asked for proof of the claim. Instead of providing any details, XXXX referred me to the referring physician. I demanded proof (certified mail) of the claim from the referring physician. I received no response. I filed an Insurance Fraud Complaint with the State of Nevada, Office of the Attorney General. I assumed the matter was dropped as it has been more then a year. BUTTwo weeks I received a demand letter from Credit Collection Services, XXXX XXXX XXXX XXXX, MA XXXX for the exact same XXXX XXXX debt claim of $XXXX. Verbal discussions with the physicians front desk indicate this may be a fraudulent "insurance" claim between the physician, XXXX and the Insurance. They also claim to have no written authorization from me to order any laboratory services. I am not sure Credit Collection Services are aware that they may be involved with a fraudulent money scheme.