davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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: CL Holdings LLC (AZ)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.
Consumer complaint received 2018-06-20
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. (PA)

I have submitted multiple requests to XXXX XXXX XXXX XXXX, Experian, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either Experian or XXXX as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my Experian and XXXX reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to Experian and XXXX for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both Experian and XXXX will not correct the reporting of these two months. All Reponses state that both Experian and XXXX confirmed with XXXX XXXX that the payments were reported correctly. Experian and XXXX completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, XXXX changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

I lost my job a month before a payment was due, I called them and set up a payment plan with them to where I had two months for coronavirus leave because I lost my job over the coronavirus that I didnt have to make my payments till XXXX next thing I know they hit me for two months of late payments I called him up asked him what was going on they didnt make any notes in their computers about the arranged plan that I had with them they said as well it didnt go through so we could try again and do it again so we did that we went ahead and renewed the plan they asked for a payment of XXXX which I gave them and now theyre still expecting a payment for this month which Im going to do but as part of the plan that we had talked about last month and this month I wasnt supposed to make any car payments so something in their system is not getting updated when they do these things with me therefore I cant keep up on top of it not hitting my credit reports and its kind of driving me insane because every month Ive been talking to these people and nothing seems to be written down in notes nobody seems to see what someone else is done or talk to me about and its its very frustrating to work with a company that taking notes in their computer system and making the statements right as well one of the gentleman I talk to said that when I asked him about my credit being impacted by them he said " oh we have nothing to do with impacting late payments on your credit report '', we cant change that we cant do anything to help you and my biggest thing is what do you mean you cant help me fix the late payments or get off my credit report and what do you mean you guys dont impact my credit how does that make any sense I dont know. The late payments should've never been there and they aren't helping me. Please help
Consumer complaint received 2021-11-09
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I wrote this letter to Capital One in regards to removing late payments from my credit report so it will help me refinance my vehicle.. they refused and said that the FCRA requires them to report accurately but they have the power to courtesy remove it from my report To Whom It May Concern, Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XXXX of XXXX for my XXXX XXXX  Credit Card account ending in XXXX. 

I want you to know that I understand my financial obligations, and if it werent for my financial hardship during those months, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive been working and have been consistent with managing my money. I also have started a new full time job. Since then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage and also refinance my vehicle, and its come to my attention that the missed payment on my record could hurt my ability to qualify. 
I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments from XX/XX/XXXX and also XXXX of XXXX. Thank you for your consideration, and I hope youll approvemy request.
Consumer complaint received 2022-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (WA)

I have been a KeyBank customer since XXXX of XXXX through applying and approved of a Home Equity Line of Credit ( HELOC ) loan. Repaying loan payment always on time until XX/XX/XXXX when I received a phone call from KeyBank to inform me that my account is delinquent. Monthly payment to KeyBank was through my personal banking bill pay account, on time and never missed a payment for 15 years, and since this loan is a HELOC, the payment amount stay the same through out the life of the loan. With disbelieve, I went down to my local Keybank branch to resolve this issue, but without success. The XXXX XXXX Keybank manager XXXX XXXX XXXX could not even access my account without calling the central office for assistance! 

I had gone through various Keybank departments like the Loss Mitigation Department, and the Enterprise Client Relations ; the case being handled by many bank personnel to include staff within the Loss Mitigation department ; in the attempt to resolve my account issues without results. Keybank had changed my loan account number without letting me know, non-responsive with email communications I had with its Loss Mitigation Department. My loan account had been changed several times without my knowledge, that is, from XXXX to XXXX, then to the current one XXXX. I want to know why my account ending in XXXX was closed without notifying me, and a new account and number established without letting me know with new payments? 

From XX/XX/XXXX until now, 44 months had gone by, none of the issues had resolved, meanwhile all the unjust late fees, penalties, unauthorized and inappropriate property appraisals, and all other fees totaling {$14000.00} were ordered and imposed on my account to drive up the balance owed further. I am a XXXXXXXX XXXX XXXX veteran, served my country for 35 years, and retire in XXXX. Nothing had baffled or tormented me as much until now. 

KeyBank has ruined my credit score by placing derogatory comments on my credit agency reports, deliberately making it difficult for me to refinance or to borrow money, and at the same time encouraged me to reapply for a new or modified loan. I am seeking financial relief from this bank whose personnel are refusing to listen, not compassionate, and not willing to accept wrong doings.
Consumer complaint received 2020-12-22
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. (MI)

I used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX  '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX   XXXX XXXX XXXX  is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that optionXXXX XXXX XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services has placed a collection notice on my credit report regarding a medical bill I have received no information about to date. I have tried to dispute with credit agency and have had no results. It seems Credit Collection Services is a third party collection agency in attempts to collect a debt. I have requested that Credit Collection Services provide debt validation for the account number listed on credit report. I will require the Debt validation in the form of an original bill and detailed statement of procedures. Also, I requested that if the debt validation is not received within 30 days from receipt of the request. If Credit Collection Services can not provide adequate validation within the 30-day time frame, all debts should be immediately removed from all three major credit reports. This is also a violation of the HIPPA and privacy laws.
Consumer complaint received 2019-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

This complaint concerns the student loan servicer Navient, who has been sued by the CFPD and several state attorneys general for a pattern and practice of " mistakes '' which I have experienced while in repayment, including misallocation/pyramiding of payments and ignoring paperwork submissions in order to accelerate payments, charge late fees, and move loan toward default status. 

I submitted the paperwork for the renewal of my Income Based Repayment ( IBR ) plan on XX/XX/XXXX by USPS Certified Mail. The paperwork submitted included renewal forms and a copy of my XX/XX/XXXX federal income tax form showing a yearly income of less than $ 12k. This qualifies for continuation of the IBR with a monthly payment of {$0.00} ( XXXX ). The tracking number, XXXX XXXX XXXX XXXX XXXX, reports/confirms that my submission was received on XX/XX/XXXX. The request for submission of renewal paperwork which which has a date of XX/XX/XXXX printed on it, states, " To continue with the plan, please reapply by XX/XX/XXXX using one of the methods below. '' Navient did not process my IBR renewal. Instead, Navient sent two letters dated XX/XX/XXXX stating that my monthly payments were set to increase with a total monthly payment of {$670.00} beginning XX/XX/XXXX. This is classic predatory incompetence by Navient.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

There are approximitely 8 collection accounts with Bull City Financial that are the responsibilty of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX  when these providers were used. The North Carolina Department XXXX XXXX is responsible for these invoices. Please contact XXXX XXXX, Acting Controller for XXXX. Her number is ( XXXX ) XXXX, Fax ( XXXX ) XXXX. The collection agency refuses to put in a dispute or take these off my credit report, which is in violation of state statute, as well as U.S. Const. amend. VIII and N.C. Const., art.I section 27.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

On XX/XX/XXXX, our car was repossessed by Santander Consumer USA because we were unable to make all our payments. On XX/XX/XXXX, we were able to pay all the past due payments and associated fees and we got our car back. However, we just discovered, 3 months later and while trying to get another auto loan, that Santander reported to the credit bureau the repossession and it shows on our credit report as a " charge off '' dated XX/XX/XXXX, but they have not updated our credit report since we made the payments and have been making regular payments. Our credit report now only reflects a repossession and indicates that we never got our car back and that our Santander account is inactive as a " charge off ''. We contacted Santander on XX/XX/XXXX and asked for an explanation but they were unwilling to help. They told us that they are only required to report the repossession to the credit bureau and nothing after that. Our credit report is inaccurate and this has been hurting our credit, mine and my husband 's, for 3 whole months.
Consumer complaint received 2020-12-22
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. (MI)

I used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX  XXXX XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX  XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Hello, On XX/XX/2021, I had my entire balance of {$100000.00} in XXXX XXXX transferred out of my Coinbase wallet to an unknown wallet address without my authorization. I have tried contacting Coinbase regarding this matter, however they kept restating that if balance was withdrawn from my wallet without approval, it means my account phrase was compromised. I created my Coinbase wallet account less than 2 weeks ago, and I know for a fact that I did not share my recovery phrase with anyone. No one could possibly have access to my account, especially when I have a password too. The total amount of {$100000.00} XXXX lost is my life saving, If I can't get this money back, I don't know what to do anymore... If there are any additional information I could provide, please let me now. Please help me... 

Thank you very much...
Consumer complaint received 2022-10-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have Portfolio Recovery listed on my credit report XXXX the original creditor was XXXX XXXX XXXX XXXXXXXX. I have disputed with them and through the credit agencies to the account wasn't mine and/or was open up without my knowledge. I submitted a fraud report from the Federal trade commission and it was ignored. I would like for this negative item to be remove from my credit asap. Its not mine and full of inaccuracies
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central States Recovery, Inc. (KS)

On XX/XX/XXXX I spoke to XXXX regarding debts that Central States Recovery have in their office that I am wanting to settle and resolve. In XXXX I had a successful Chapter XXXX that discharged a lot of my debts which included debts they had in their office. In XXXX of XXXX, I filed a Chapter XXXX bankruptcy that covered new debts that I had in their office. On XX/XX/XXXX, my Chapter XXXX bankruptcy was dismissed, so I contacted Central States Recovery regarding the debts I knew were included to attempt to settle them and get them closed out. I gave her approximate amounts but she said that she couldn't find the exact amounts. So I asked her to just tell me the ones the showed reactivated and asked for date of service. When she began listing the ones that were covered by my Chapter XXXX I advised they were not to be collected on because that case was successfully discharged. She was very rude, over talked me, laughed and said she had been collecting debts for 20 years and had never heard this and didn't know what to do. I then asked her to please not listen to respond but to just listen to what I am saying and that I had a successful chapter XXXX discharge in XX/XX/XXXX, so debts before that date were uncollectable and that I just wanted to take care of the current ones. She then again rudely interrupted me and said that she had a notice that my bankruptcy was just dismissed. I again exclaimed that she was not listening to me. She then said she was not dealing with my accounts and that legal will just handle them. I want to settle my accounts that are valid but they are also attempting to collect on ones that should not be collected on in a violation of Federal bankruptcy laws. Now she is saying I can just deal with legal because she chose to not listen or understand the situation when I was clearly trying to resolve my debts.
Consumer complaint received 2020-12-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

As far back as XX/XX/2020, USAA Federal Savings bank has been sending out notices about upgrading their security procedures on their website usaa.com. what they failed to mention is that they experienced a major data breach and have yet to acknowledge the incident. Countless USAA members have taken to complaining on online forums about USAA 's cavalier attitude about this breach. Many, like myself, have experienced surprise and unauthorized charges on my USAA Visa card and unauthorized running of my credit report for an unauthorized consumer loan without my consent. Subsequently, after getting the run-a-round from the representatives on the phone, I closed my credit card account due to their inability to properly secure their website API ( application programmable interface ) from the very beginning. Every time I called and asked how these unauthorized charges occurred, the representative would simply state that my credit card was probably skimmed at a reader. When I inquired further, another rep. would say that the unauthorized charge was used via a mobile app. 
USAA 's explanation for these unauthorized charges did not make any sense. I could accept this useless excuse if it was just me but how could over 50 other USAA members suffer the same breaches on their accounts. Does that make sense? 
Like many older Americans, I don't use any apps and probably never will. USAA knows that I don't use their new app so how could they allow my credit card to be used through a mobile app that is not mine. As recent as XX/XX/2020 USAA shows attempted unauthorized charges on my CLOSED USAA Visa credit card. Again they refuse to acknowledge a breach in their credit database. This is unfair to the thousands of members which, rightfully so, are dwindling since the onset of this data breach. 
Another recent and troubling breach was an unauthorized running of my credit report by USAA for an unauthorized personal loan last week for which they issued a Credit Inquiry Removal Process letter. The letter is dated XX/XX/2020 and states that they have reported the error to the credit reporting agencies and can take up to 45 days to be updated on my consumer report. Is this fair? How long is USAA going to be allowed to continue this FRAUD. 
If I did not implement a credit freeze last year I would have been ruined like many other USAA members that were never notified of a data breach. 
It is public knowledge that the Consumer Financial Protection Bureau has fined USAA Federal Savings Bank millions of dollars recently for other credit related issues. Perhaps it is time to investigate USAA again and penalize them severely for irreparably damaging consumers credit history and ultimately their lives.
Consumer complaint received 2019-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IN)

I opened XXXX checking and saving account on XX/XX/XXXX under the promotion of {$400.00} sign on bonus with USD XXXX deposit on combined checking and saving account. 
I met the requirement on XX/XX/XXXX, but still have not received the {$400.00} bonus so far. I have contacted Citi customer service multiple times : On XX/XX/XXXX, I contacted Citi customer representative XXXX, through live chat, he confirmed that I met the sign on bonus requirement on XX/XX/XXXX, and I should receive the bonus 90 days after that. Attached please see my chat history with XXXX On XX/XX/XXXX, I still didnt receive the bonus, I contacted Citi customer service again by phone, was told that the bonus has been entered into the system, and I should receive the bonus in two month on XX/XX/XXXX I still have not received sign on bonus until now.