davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (NY)

on XXXX XXXX, 2017, I received a letter from Key Bank closing our checking account for : your account relationship poses excessive risk to the bank. 
I had the same bank for over 43 years ; I have NEVER had any issues, such as over drafting or anything. 
When I received the letter I went to the bank and they informed me that : they or I can terminate the business relationship at any time without any explanations, thus, they dont need to provide me with any reason. 
That I was a great customer never had problems with me or I with them and " I 'm sorry is nothing that we can do ''
Consumer complaint received 2021-11-03
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. (MD)

Started a dispute with Equifax concerning some inquiries that I never authorized on XX/XX/2021. Confirmation # XXXX Equifax did not investigate these unauthorized inquiries instead they completed the investigation the same day XX/XX/2021 stating the inquiries are factual.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021 I paid my account in full with XXXX XXXX From XX/XX/2021 - XXXX I've disputed the balance with all 3 credit bureaus I've called all 3 credit bureaus they're stating that credit one is continuing to report that i haven't made a payment. 
I spoke with credit one 's customer service reps multiple times and they keep apologizing and telling me to have the credit bureaus call again and they'll give them updated info and accurate info and have not kept their word. 
My credit score continues to drop due to this
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SC)

They called and said someone had charged my card for a XXXX and asked if I knew this person. They asked me to go to XXXX and look for the white space at the top. I then said I think you are a fraud and they replied no and I hung up.
Consumer complaint received 2021-06-22
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: Nelnet, Inc. (FL)

Company has violated FCRA reporting multiple late payments of 120 days on accounts. Company has also disregarded numerous disputes of erroneous and inaccurately reporting items on my report. This company has had over 30 days to investigate which an additional 15 days to furnish their evidence they have not responded to the dispute I demand the comply with Fair Credit Reporting Act and remove these items.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (NV)

Back in XXXX I requested a payoff amount for Alliant Credit Union mortgage # XXXX effective XXXX received a Payoff Statement showing XX/XX/2020. I e-mailed the CU that I would wire that incorrect amount and we could adjust numbers later. I did that and paid off the mortgage on XX/XX/2020. I got another Payoff Statement showing XX/XX/2020 but using the same principal balance as the earlier statement. During the flurry of e-mails about this I started to doubt the numbers being provided and requested an audit three different times, but got none. So I downloaded an amortization schedule for this mortgage and performed a pseudo-audit. My numbers did not agree with the CU 's. I was told that interest is paid in arrears. I sent a full dossier by mail to the RESPA office ( same address as the CU ) which they received on XX/XX/2020. No 5 day acknowledgement of receipt or any other reply ever received. I sent a follow up letter to RESPA on XX/XX/2020 with the same results. 

Your instructions indicate not to include too much info, but if needed I can reproduce the entire dossier I sent to RESPA. I believe the property address is likely important so here it is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Thank you for your help. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2021, I purchased a XXXX from XXXX XXXX on Amazon with my Amazon Store Credit Card ending in XXXX. On XX/XX/2021, I received the walker which was defective. I contacted the Seller, XXXX XXXX, requesting a refund and after a couple of weeks they finally responded and they issued a return label for me to return the item, refund. On XX/XX/2021, the item was picked up by XXXX and returned to XXXX XXXX. After NOT receiving my refund, I contacted Amazon Store Credit Card and started a dispute. After Amazon Store Credit Card did NOT respond to my request for dispute, and each time I called them I would receive a call center representative in XXXX who would NOT resolve the problem, I sent them a letter via FAX ( see attached fax receipt ) and via Certified Mail ( see attached letter and certified mail return receipt verifying they DID get my letter ). I contacted Amazon support where I purchased the item off of and they sent me an email stating that the refund was issued XX/XX/2021, after I had disputed the item with Amazon Store Credit Card, however it was not and has NOT posted to my Amazon Store Credit Card account. Even after I sent a letter via fax and certified mail with return receipt ( attached herein ) and several weeks have passed since XX/XX/2021, since I first started a dispute, STILL my refund has NOT posted to my account after several weeks. I am making this CFPB complaint because Amazon Store Credit CARD refuses to cooperate in posting my refund of {$150.00} to my credit card account and every time I call or email I am stonewalled by representatives of Amazon Store Credit Card. I am requesting that my refund of {$150.00} be posted to my Amazon Store Credit Card account as soon as possible without any more stonewalling.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XXXX XXXX, XX/XX/XXXXPORTFOLIO RECOVERY add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them. The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (OH)

Aargon Colletion Agency XXXX Aargon Collection Agency reported XXXX late payments on my credit history, knowing in fact it was an error because they removed themselves off the report but not before removing the late payment history resulting my score lowing by XXXX points. This malicious and devious behavior is why I reported them to XXXX!!!! I even called customer service through XXXX  on XX/XX/2019 to have them explain the situation to me in which they verified on XX/XX/2019 Aargon Collection Agency reported XXXX late payments. I do not have games to play with this company. I would like them to remove the late payments off my record as it is there by error.
Consumer complaint received 2023-03-25
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. (NV)

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful reporting to the credit bureau. I recently discovered that the company has reported negative information on my credit report, which has affected my credit score. However, I have no prior knowledge of this account, and the company has never contacted me regarding any alleged debts. 
When I contacted them at ( XXXX ) XXXX to inquire about the account, they did not have any record of me or the alleged debt. This raises serious concerns about the accuracy and legitimacy of the information they reported to the credit bureau. It is extremely alarming to me that a company can report negative information on my credit report without even attempting to contact me first. 
I am deeply troubled by this situation, as it has caused significant harm to my credit score, and therefore my financial well-being. I believe that XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX and XXXX XXXX XXXX is held accountable for their wrongful reporting practices. I request that you take all necessary steps to rectify this issue and remove any negative information from my credit report that has been reported without my knowledge or consent. 
Thank you for your attention to this matter. I look forward to hearing back from you regarding the progress of this case.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

I have contacted y'all today to remove a block off from my online banking account so I can login to it every time I try to login it say this Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX when I have contacted y'all the agent tell me he can't remove until I go to a my bank in person and I can't go to my bank because I have to get a new picture ID because I have lost it and I have told him that the agents over phone have removed the block for me in the past without me going to the bank and my username is XXXX or XXXX they been transfer me to difference departments the last agent she have restore it back online now now it got block on the online bank again.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2017-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of them.
Consumer complaint received 2021-08-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WI)

COMENITYBANK/BRYLANE failed to give me proper validation of this debt. 

I mailed COMENITYBANK/BRYLANE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION (OR)

I had over {$13000.00} stolen from my account by an employee who had taken several checkbooks without my knowledge and wrote himself checks and forged my signature. Because I didn't catch the fraud within 30 days, the bank is refusing to cover the stolen checks. Many of the checks were cashed at the bank itself over a span of over 2 months. I find it ridiculous that if it is caught within 30 days you are fully reimbursed, but if it's over 30 days, you are reimbursed nothing.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX  XXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc (FL)

On Thursday XX/XX/XXXX chime bank made a decision to deny my disputes for multiple charges from XXXX XXXX for {$4.00}, {$4.00}, {$4.00}, {$9.00}, and {$19.00} on XX/XX/XXXX. also charges from 2 XXXX for {$100.00} and {$39.00} also on XX/XX/XXXX. I did not authorize or give anyone permission to use my card. None of these purchases are mine and I have no knowledge of their origin. I have never even heard of XXXX.
Consumer complaint received 2023-03-25
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. (IL)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be corrected on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}. I have included a copy of the dispute letter I preciously sent for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Financial Services gave me an extension on my loan due to Covid. I also changed my billing date from the XX/XX/XXXXof the month to the XXXX of the month around the same time. This extension was reflected in my bill. The bill continued to be {$0.00} every month, with {$0.00} in late payments and interest. This continued into XXXX, when I thought my bill would be due. I called XXXX several times to discuss. I was told that due to my date change and due to the extension, that I would receive an extra month as it was reflected in my bill that a payment came in during the extension ... although I can not make heads or tails out of their accounting. Regardless, I have copies of all my bills that reflect {$0.00} due and {$0.00} in arrears. My XXXX bill came with the normal balance of my car payment. I made the payment on time. I was also notified by XX/XX/XXXXthat XXXX put a marker on my credit and it took XXXX points off my near perfect ( XXXX ) credit rating that I have proudly spent my life building with on time payment on all my accounts. XXXX has acknowledged their mistake to me and last month told me they would dispute the credit reduction and fix the problem for me. I just receive a new bill for XXXX, telling me I owed them over {$1600.00} in current billing and arrears. I called XXXX again and was told they refuse to remove the marker on my credit, that yes they were wrong, but I should have known I owed them money even though their bills reflected that I didn't. This was an entirely different conversation than the previous one I had. So XXXX had internal billing issues, which I questioned in phone calls, was told to just pay my bill when it comes due, which I DID, they ruined my credit rating and refuse to fix it now. I have copies of all their bills and they say that I should have paid money that I didn't know I owed and had no way of finding out what I owed because their bills didn't reflect that.
Consumer complaint received 2023-03-25
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. (IL)

I am submitting this CFPB Complaint to dispute the inaccurate and erroneous information that has been reported on my credit report by your credit bureau. I am requesting that you correct this information as soon as possible. Upon reviewing my credit report, I have noticed that the information reported is incomplete, inaccurate, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws. Specifically, the following information reported on my credit report is disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX  SC XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00}. As a result of the inaccurate and incomplete information reported on my credit report, I have suffered significant financial harm, including denial of credit, employment opportunities, and higher interest rates on loans and credit products. Under the FCRA, I have the right to have accurate and complete information reported on my credit report. Your bureau has a duty to investigate and correct any inaccurate or incomplete information within 30 days of receiving a dispute notice.
Consumer complaint received 2020-06-03
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. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.