davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (OH)

My complaint involves Key Bank 's refusal to reverse two ACH transactions that I immediately reported as fraud. On XX/XX/2021, I was defrauded via a telephone call that purported to be from my electric utility company, XXXX XXXX, Ohio. The caller ID indicated XXXX XXXX. A gentleman told me that I was on a disconnection list for that day for an outstanding balance. I questioned him because I had just received a bill and it was not yet due ( and there was no outstanding balance ). The man gave me his " badge number '' and said it looked like the outstanding balance was from an old account. Coincidentally, about 2 months prior, I paid an outstanding balance from a very old account, so the explanation sounded somewhat legitimate. He told me that in order to avoid disconnection, I had to submit a XXXX payment. I actually said " How do I know you're not scamming me '' to which he replied " We are not asking for your credit card number ''. He also let me speak to his supervisor, who was equally as polished and convincing. So, I made a XXXX payment in the amount of {$280.00}. I then received a call from the supervisor who indicated that the prior rep charged me incorrectly, so they reversed the XXXX payment. He asked me to do a second payment in the amount of {$210.00}. So, I made the payment. I then realized it was fraud and challenged the guy. He hung up. I immediately called Key Bank, told them what happened, and requested that they reverse the ACH transactions. They refused to do so. It happens that I am an XXXX XXXX XXXX XXXX, so I am aware that the Bank could have reversed the ACH.
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services (NY)

I been paying this loan since XXXX XXXX until last year and never see the debt go down. still it's almost twenty years later and still it looks like I never paid anything because its highway robbery with these student loans. Then I still a check that I never cash because the college told me to wait and I still been charge this money. The other college was XXXX College the check was for XXXX
Consumer complaint received 2019-11-01
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. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

On XX/XX/2020, my wife and I sought to temporarily lift security freezes with the three major credit reporting agencies in connection with a mortgage refinance application. We had gone through this process several times in the past without issue. 

We lifted the holds at XXXX  and XXXX  online. When we tried to access our account online with Equifax, we entered our respective credentials and each time, we received an error message that said " We are temporarily unable to complete this request. Please try later again. '' I called the customer service number, and after a long wait, we were connected with a customer service associate who very patiently worked with me to verify my information and try to determine why we could not access our accounts. We worked to reset my password, and I still received the same error message. After confirming that there was no mistake on my end ( for example, wrong password, incorrect information entered ), the associate explained to me that he would have to escalate the situation to the IT department, and it would be at least a few days before the matter would be addressed. Until then, I would be unable to access my account. 

When my wife and I placed our credit freezes, we did so with the expectation that the freezes could be lifted easily and at any time. It is not only extremely inconvenient, but also potentially costly, not to be able to access our respective credit accounts -- even when Equifax 's representatives verified my identity and confirmed that we did nothing wrong in the way of providing information and setting up our accounts. 

In order for my spouse to lift the hold on her account, she faces the same long wait time and identity verification process that I went through this morning. The nature of her employment does not allow her to do this during regular business hours. This incident will delay the refinance of our home, and if rates should increase, it will cost us real money.
Consumer complaint received 2019-11-01
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2017-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I have a home equity loan with Wells Fargo and they require that I send them proof of flood insurance since I 'm in a flood zone. I have faxed, mailed and tried to upload a copy of the policy onto their web site ( which does n't work ) and they continually tell me they did n't receive it and are charging me for flood insurance. I 've called repeatedly and other than tell me that they will " research '' the matter nothing gets done. In addition, when I asked them to tell me the name of the regulatory agencies that I can file a complaint with they refuse to provide me with this information. This is predatory behavior and should be illegal and punished!
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Starting in XXXX of 2023 my debit card was shared with XXXX app. I use cash app to pay employees that don't have bank accounts. My debit card was charged small amounts that totalled {$17000.00}. I disputed this with my bank because all transactions we're unauthorized. Wells Fargo along with XXXX app have denied my claims. I sent proof that in XXXX I was experiencing sim card issues we're it was believed that my Sim card was compromised. Neither company looked at the evidence I provided and they both denied my claim. My company is out XXXX with no explanation of the reason why it was denied. I'm asking both parties to provide information why the claims have been denied. The amount of money taken from me is unfair. Wells Fargo is suppose to have my back. Cash app had been on the news for months and I'm also apart of the data breach. Please help
Consumer complaint received 2021-06-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (OR)

I had a debt with XXXX XXXX of XXXX. It was a payday loan unsecured for XXXX. This debt was applied for XX/XX/XXXX. I defaulted due to having to move out of state as i could not afford to live in XXXX. I moved in XX/XX/XXXX to XXXXXXXX. I struggled to find a place to live with my family of XXXX and to find gainful employment. The debt was sent to collections after 6 months of non payment. Due to XXXXXXXX XXXX statute of limitations the debt is no longer valid. This company National Credit Adjusters has called me everyday for the past 3 yeasr from various phone numbers and threatened legal action and to send the police to my place of residence if i dont give them a payment. Account # XXXX. They are also falsely reporting that the account was opened XX/XX/XXXX when it was originally opened XX/XX/XXXX. 
XX/XX/XXXX Call from XXXX threatened to sue me and told me police were on their way. 
XXXXCall from XXXX threatened to sue me and told me police were on their way. 
XX/XX/XXXX Call from XXXX called and said a case was opened against my social security number and i would be arrested. 
XX/XX/XXXX Call from XXXX called and threatened to reveal information to my employer XX/XX/XXXX Call from XXXX called and threatened legal action against me and told me police were on the way. 
Everyday i receive emails and phone calls from this agency threatening me and falsely reporting this information to the 3 credit bureaus. The company National Credit Adjusters have damaged my ability to apply for new credit. 

I have also sent certified letters every 45 days to all 3 credit bureaus asking them to verify this debt. I have never received any documentation from any of the credit bureaus nor national credit adjusters regarding this debt in writing. They have violated my rights under the Fair Credit Reporting Act. 
Letters sent certified from XXXX to XXXX, XXXX, and XXXX  on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (AZ)

On XX/XX/22 I exchanged virtual currency for USD in the amount of {XXXX}. My account was frozen due to KYC documents needing to be submitted. I have submitted the required documents but have not yet been verified still. Over a month without any correspondence back with customer service after submitting a support ticket. Having my funds frozen for going on 45 days is completely unreasonable and unacceptable. Binance.us clearly does not have the resources to operate an exchange. I want my money.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

I have disputed this account with all three credit bureaus even filed with the CFPB before. This company has acquired information from an account that has my name on it but does not belong to me. I have no idea where this account came from or how it was paid, if it was paid before. I only know about the account because it is showing as a negative item on my credit report now that I am trying to buy another home. I have tried speaking with this company but they only want payment and I am not paying for something that is not mine. I have lived in my current residence for XXXX  years and only have had XXXX credit card companies that I have ever used. I do not know about any others and no one lives with me but me and I get all of my mail so no one can send anything to my home and I not know about it. I want this negative and false information removed from my credit profile as it does not belong to me. The so called invoice that is shared means nothing when I have no idea where it came from, the account is not mine and should be stricken from my profile. This company is only after money and not working to clear false records.
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I opened this XXXX  account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am having difficulty with Transunion. 

Transunion made a grave error on XX/XX/XXXX. I had fraudulent activity on my account which started XX/XX/XXXX. The only way that I found out about it was on XX/XX/XXXX, I opened a letter from XXXX asking me to contact them if I did not recently apply for a card from them. I didn't so I called them immediately. They closed the fraudulent application. I then looked up my credit reports and found XXXX unauthorized hard inquiries on my account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX - all occurring between XX/XX/XXXX and XX/XX/XXXX. When I checked my Transunion file under the section Inquiry Analysis-I found that Transunion sent my credit report to XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This is my old address. I haven't lived there in XXXX years! The second address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -I HAVE NEVER LIVED IN FLORIDA! When I attached documentation to support their error, the following happened : They removed it from the Inquiry Analysis Section and kept the one from my old address in an attempt to hide the fact that they made a significant error - exposing my credit report to a someone impersonating me. Then, I mailed them a copy of the error - showing that they are attempting to hide the fact that they sent my credit report out to someone in Florida- after I provided them with a copy of my social security card, Driver 's License, and current utility bill. I asked them in writing how where they going to compensate me for this egregious error. When I opened my credit report up TODAY, XX/XX/XXXX, They made XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX my other address!! Why would they do this after I uploaded documentation online to state that I have never lived there, I wrote them approximately XXXX pages and I stated that I have never lived there. I visited XXXX as a child over XXXX years ago! I have NEVER lived in Florida. They are attempting to hid an egregious error on their part! Even after I placed a fraud report on my file. What are they attempting to do? Why would you make this my other address after I told you via phone, via chat, via uploading documentation, via writing you personally - that I have NEVER lived in Florida! They are still exposing me to predators!
Consumer complaint received 2023-03-24
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. (TX)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MD)

{$1400.00} {$2300.00} {$1600.00} {$1200.00} The sums of money listed above are what LOANCARE ( aka XXXX XXXX ) have requested that I pay for the same account Prior to my mortgage moving to XXXX  XXXX, my mortgage note was $ XXXX@ 5.6 % interest over 30 years After going through my initial loan modification, I was asked to pay {$1400.00} per month ... which I have done and paid on time for the past 18 months In late XXXX or early XX/XX/2020, I received a notice stating that I have to go through another loan modification because my mortgage is far behind In reading the enclosed documents ( see the attached documents ) I discovered that somewhere on their books they have my CURRENT mortgage payment as being {$2300.00} Secondly, I receive another document from the escrow department stating that my new mortgage payment is {$1600.00} per month and a new loan modification document stating that I pay {$1200.00} per month THINGS I JUST DO NOT UNDERSTAND 1. Why am I just now finding out that my CURRENT mortgage payment is {$2300.00} per month after paying {$1400.00} for the past 18 months?? 

2. Why is it that NOBODY has inquired about me paying {$1400.00} per month as opposed to {$2300.00} per month thus averaging a shortfall of {$1000.00} a month?? 

3. Prior to my mortgage being moved to XXXX  XXXX  my mortgage was $ XXXX@5.6 interest over 30 years How is it possible for a loan modification to jump from {$1300.00} per month to {$2300.00} per month FOR THE SAME TERMS?? 

4. I have a second mortgage that went through a loan modification My note was {$510.00} per month@ 7.4 % interest with XXXX My new mortgage servicer has requested that I pay {$400.00} per month@ 4.9 % interest This is a PROPER loan modification The so called LOAN MODIFICATION of my primary mortage with XXXX  XXXX  ... ..MAKES NO SENSE! 

I am requesting a remedy to this NIGHTMARE! The enclosed documents gives an account of my experience with this mortgage lender If this is the way this firm treats their customers and produce ridiculous loans, it is best that they close their doors!
Consumer complaint received 2022-04-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  *Account Name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX, Account number : XXXX, *Account name : XXXX  XXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXX, Account number XXXX XXXX *Account name : U S DEPT OF EDXXXX, Account number:XXXX XXXXAccount name : XXXX XXXX, Account number : XXXX has violated my rights. 

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
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (DC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please be advised that this is my second complaint with the CFPB regarding TRANSUNION. TRANSUNION has made a mockery of the CFPB and the federal law while violating my rights. TRANSUNION has caused me tremendous stress while damaging my reputation, violating my privacy, and committing fraud. 

On XX/XX/2021, TRANSUNION received my written notification stating that they have violated my consumer rights. This was sent via EXPRESS MAIL USPS under tracking # XXXX in which TRANSUNION sign the return receipt tracking # XXXX. TRANSUNION has failed to comply with the letters that were sent to them. 

On XX/XX/2021, I XXXX XXXX submitted a complaint with the CFPB under complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

On XX/XX/2021 TRANSUNION responded with the following statement : We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request On XX/XX/2021, TRANSUNION closed the following CFPB complaints : complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

Stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative which is FALSE. The complaint as well as the letter, ENFORCING my consumer rights, was submitted by me XXXX XXXX, the federally protected consumer. TRANSUNION has no right to make any ASSUMPTIONS. Assumptions are not facts. The fact is I XXXX XXXX submitted the complaint and included with the complaint identification. 

TRANSUNION has furnished a consumer report WITHOUT my written consent. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). I XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft. TRANSUNION has failed to comply with my written demand to IMMEDIATELY delete multiple accounts, addresses, and inquires listed on my consumer report. 

TRANSUNION has willfully failed to comply with federal law. Congress states ( According to 15 U.S. Code 1681 ( a ) ( 4 ) ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. TRANSUNION has FAILED to comply. TRANSUNION has over 205,000 complaints showing their complete disrespect to the consumer as well as Federal Law.