davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (NY)

Ever since my checking account was transferred from XXXX XXXX XXXX to Key Bank I 've had nothing but trouble. 

I admit I have overdrawn my account on numerous occasions and have paid their fees. The issue is Key Bank likes to slip in extra fees. 

This past summer I signed up online with a merchant for a free 30 trial. As is customary the company ran my debit card for a penny. to verify my card was valid. At the time my checking account was a negative balance. The merchant never processed the transaction. However Key Bank posted the transaction for {$.00} and then charged me a {$38.00} NSF fee. 

In XX/XX/XXXX I hadXX/XX/XXXX charge my card {$25.00} on a Sunday. It was a pending transaction on Monday when I deposited the cash to cover the transaction. The following day Key Bank charged me an NSF fee for {$38.00}. I asked the Branch Manager why I was charged a fee and he came up with a very lame excuse that the merchant finalized their transaction prior to me making my deposit. This is an outright lie. Every time my debit card is used as a charge with XX/XX/XXXX it has taken two days to post and clear to my checking account. 

Their latest ploy is to hold my deposits for 5 business days. I have never had an issue with checks that I deposit being returned so why would Key Bank place a hold on my checking account? By limiting my ability to make deposits only provides more fees being earned ( stolen from me ) by Key Bank. I pay bills throughout the month and to know that Key is going to hold my deposits only benefits Key by taking more money from me.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

I have a " Discount Tire '' Credit Card thru Synchrony Bank. I purchased a XXXX XXXX XXXX XXXX. When I lost my job, I contacted them to activate my Plan. Their initial response was a non-response. Then without notification to me, they closed my account and cancelled my XXXX XXXX XXXX.
Consumer complaint received 2022-11-16
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)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2020-09-01
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. (NC)

Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : US SM BUS ADMIN ODA - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion  : XXXX   XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXXXXXX   XXXX - XX/XX/XXXX XXXX  : XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION (AL)

On XX/XX/2020 I opened an account with BBVA. I then needed to go to a branch to to do an identity verification. While there the banker made a mistake and opened a credit card in my name that I did not request. This was discovered immediately and the banker assured me the issue would be resolved. It has now been 2 months and the account and the inquiry for it are appearing on my credit report and lowering my credit score.

I have brought this to the attention of BBVA multiple times and to multiple departments. No help is being offered. I have disputed the account on my credit report but can not get it removed through that process.
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC (NM)

I had a XXXX  back on XX/XX/2016. I was assured that there would be no out of pocket cost. That it would be covered 100 %. It was a preventative procedure. 

I have been getting calls from Miramed Revenue Group threatening me. That if I don't pay {$480.00}, it will go on my credit report. That was after I told them I have a recording of Dr XXXX 's staff telling me there would be NO OUT OF POCKET COST TO ME. Based on that information, I went ahead had the procedure done. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. 

[ According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. ] According to this article below, It says that, While the Affordable Care Act includes free preventive procedures like colonoscopies, were hearing more and more that people are being asked to pay, from community members. We dont know anyone who keeps overall records on how big this problem is, but we can tell from this article by being one of our busiest posts. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. 

Dr XXXX XXXX XXXX, went ahead and charged me anyway, even though I was specifically told by a member of his staff that there would be NO OUT OF POCKET. They would check to be sure and if for some reason there would be any out of pocket cost, they would let me know prior to the procedure. 

I have a recording of that conversation that I will gladly provide. I want to go to court to present this evidence to a fair minded judge. 

Here is the article that also says that Doctors offices are often miscoding these procedures in order to charge their patients more money. 

From <https : XXXX
Consumer complaint received 2020-11-17
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)

I tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Auto loan paid in full since XX/XX/XXXX XXXX.XXXX XXXX XXXX still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate
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: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2021-10-11
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: Experian Information Solutions Inc. (GA)

XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX  XXXX  last four of that card number is XXXX
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (PA)

My name is XXXX XXXXphone number is XXXX.I told my workers compensation lawyer about this bill I recieved..he told me he will handle it..why I keep getting this doctor bill..for {$28000.00} dollars..the doctor is XXXX XXXX  XXXX XXXX. Account # XXXX..my lawyer XXXX XXXX XXXX XXXX XXXX pa ... I told him about this..
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Lending, Inc (CA)

Ladera Lending of XXXX XXXX, CA ran my credit without my permission. I spoke with them but told them I wanted to get rates first as I was comparison shopping. I never gave them my Social Security number, but somehow they ran my credit as a got notice of a " hard '' inquiry. I called the number on the inquiry and they confirmed that XXXX XXXX of Ladera Lending ran my credit. 
When I contacted Mr. XXXX, he said that XXXX XXXX provided my SS # and thought it was OK. I did sign up with XXXX XXXX to get rate quotes, but NEVER gave out my Social Security number or gave anyone the right to run my credit. 
I am very upset and want to find out how this happened and have them undo the credit inquiry. 
Thank you, XXXX XXXX
Consumer complaint received 2017-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

I am having major problems with receiving incorrect information from the service provider who is now Navient. They have repeatedly given me wrong information over the phone. I was told that I could do a XXXX payment that would take care of the loan for 3 months. They have consistently given me misinformation that is costing me my credit and higher interest rates along with putting me into default. They took my payment and changed their story saying I did not qualify even though they debited my checking account. This is causing me to default which I believe is intentional to drive up my rates. I was dealing with a lady named XXXX who has given me a vary hard time. I was hung up on. I am hoping to obtain an attorney. I am very upset, this is putting me into default and is appears to be intentional at this point. They have repeatedly also given me misinformation in regard to their credit reporting as well. I need help and hope to obtain an attorney for this. XXXX XXXX
Consumer complaint received 2020-05-04
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. (LA)

i look on my credit report and notice a item that is reporting inaccurate on my XXXX  and transunion report on XX/XX/2020 from XXXX XXXX  XXXX and have disputed to have this deleted from my record because its not correct. I would like for them to validate this error in question or delete it from my report
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I have been having a problem with Chase in prepaying my mortgage. My loan has never been late. the only thing i do is prepay. I have had the loan for 14 years and just recently been having this problem.. 

I pay directly online thru Chase Website. I have an adjustable ( option arm ) and the Chase payment site gives me a minimum payment and 15 year payment option. i have been paying the 15 year option. The last 3 months it has been continuously misapplied. The system clearly gives me the month due and the payment options. I confirm and receive a confirmation of payment The problem is that when i look at the history to the account it shows as either prepayment or unapplied funds. But in every case it shows still due for the month that i paid. In other words i paid just recently XXXX payment as you will see by the documentation, but when i log back in the last two weeks it is still showing payment due for XXXX. This payment was made on XXXX. I have called 3 times to try and get this rectified. I have also had to call each of the previous months. 

I am told that the interest rate hasn't adjusted so i can't prepay my loan because they don't know how to apply it ... I said..the system gives me the payment available and i pay it and it confirms payment, so what is the problem..apparently the system is wrong ... i told them to then fix their online payment system it feels like i am being prevented from prepaying my loan and I am consistently calling to educate Chase team on how to apply my payment. There is a disconnect between the direct online consumer site and the servicing department and this needs to be rectified ... I have industry background so i know what i am looking at. But i feel for XXXX XXXX Consumer who has no idea as these kind of system glitches and errors could be costing them much many in additional interest. 

I asked to speak to XXXX XXXX but was not granted access.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

This is related to the Public Service Loan Forgiveness ( PSLF ) and the US Department of Education. I have the usual complaints I am sure. Delayed responses. Inaccurate qualified payment count. Wrong employment start date. It seems like they should take the information required on the certification form, verify it and enter it into the system and that should be it. Instead it takes multiple phone calls and emails only to receive a generic response and then there is no follow up. I have been doing this for around 4 years now and in 4 years I have yet to receive an accurate update on my status.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I applied and opened a checking account in branch on XXXX XXXX, XXXX. People United Bank was running a promotion that the associate attached to my account. The offer was to receive {$100.00} after meeting a single direct deposit requirement in 30 days of over {$100.00}. On XXXX/XXXX/XXXX, there was a direct deposit of {$540.00}, the opening bonus was never credited to the account in the 3 month promised time. The bank did not award the bonus lines in their terms and conditions. I was I satisfied with the process and did not use the account after the promised time. Bank closed my account after a month of inactivity.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$650.00} ), XXXX XXXX ( Account number XXXX, Opened XX/XX/XXXX, Credit limit {$300.00} ), XXXX ( Account number XXXX, Opened XX/XX/XXXX, Credit limit {$650.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$990.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$12000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$790.00} ), XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$300.00} ). 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 2020-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I previously went online and linked my savings account to my checking account to have overdraft protection. On XX/XX/2020 a check was returned and I was charged an overdraft fee. Now the company that the check was returned to will not allow me to write checks unless I have a letter showing that it was the Bank 's error. I called the Bank and was advised that the linking of the accounts were done in the reverse ( that funds in the checking would cover overdrafts on the savings ) ( I don't understand why anyone would want to do that ) .. The Bank said they would fix the error and send me out a letter explaining the error. Today, XX/XX/XXXX, I attempted to use my card to make a purchase and it was declined. This means that they have not fulfilled my request made XX/XX/2020 to link my savings account to cover overdrafts on my checking. I had to manually transfer funds from my savings to my checking to cover my purchase.