davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: KEYCORP (CO)

Your Address Your City, State, ZIP Code ( Your email address, if sending via email ) Date Name of Contact Person ( if available ) Title ( if available ) Company Name Consumer Complaint Division ( if you have no specific contact ) Street Address City, State, ZIP Code To Whom it may concern : Re : XXXX  MasterCard - XXXX On XX/XX/XXXX I purchased a used transmission from XXXX XXXX XXXX XXXX. 

Unfortunately, the transmission had a bad throttle body, making the part defective. The part came with a warranty so I called XXXX. XXXX advised the throttle body be removed and cleaned and then re-installed for a test. The problem being, I would have had to pay my mechanic for the labor. My mechanic, himself, even spoke with XXXX and explained the situation. As explained by my mechanic, cleaning the throttle body would not have done any good. At that point in time, I disputed the transaction as I was sold a defective part and XXXX expected me to put more money into the labor of cleaning the part in order to honor the warranty. I had my mechanic repair the throttle body which cost me over {$500.00}. I am disappointed because Keybank sided with XXXX and put the charges back onto my credit card. I do not feel I should have to pay for a defective part and that Keybank should protect their customers financial interests. 

To resolve the problem, I would appreciate the disputed amount be removed from my credit card balance. Enclosed are copies of my receipt for the repair. 

I look forward to your reply and a resolution to my problem. I expect a resolution by XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the XXXX Sincerely, XXXX XXXX Enclosure ( s )
Consumer complaint received 2018-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I opened a business account on XX/XX/18 with chase I still have not received the debt card I have been calling chase i was told to go to the bank to request a new card once there I was told that the card couldn't be sent to the address on file so I call the call center again spoke with 3 people one opened a ticket to send the card out overnight one said the card was sent and should arrive the next day then the last one said no card was sent and she also was the first person to tell me that the banker should have sent the card out I've been calling the bank ( the physical location the one that refused to send the card out ) back to back for over an hour with no answer at the end of a week long search for a debit card I'm still left with there is nothing I can do your account is too new to do anything over the phone and we can not send a card to your address because it's an apt .
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TX)

I purchased several items with XXXX and opened an account with XXXX. I've had several issues with this credit card company. They are very focused on charging additional fees and not working with customers to pay off their balances. The latest issues I had with them are : 1 ) A late fee that was assessed on my account even though I tried to make the payment on the due date but received an error. I paid the very next day and then called to explain the situation but received no assistance at all. 

2 ) A Promo finance charge : I was charged a promo adjust fee on an item where I was led to believe that the monthly payment calculations are calculated with the promo period taken into consideration so if you make you payments regularly you should be to take advantage of the promo but it turn out to be that when you buy several products the monthly payment is calculated off the balance only.
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (LA)

The following companies ran unauthorized credit report on me..  XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on 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 2019-09-02
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. (AZ)

The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, To whom it may concern there seems to be a lot of inaccurate information on my Experian file. I signed online on XX/XX/2019 to check and see if everything was accurate. according to what it says my report number is XXXX Here are some of the things I have noticed to be inaccurate on my personal information I never lived at XXXX XXXX XXXX or XXXX XXXX so I would like those 2 removed from my file as I am unsure where those addresses even came from. 

On my social it shows 3 different ones only one is accurate the ones ending in XXXX or XXXX must be some type of fraud someone tried to do at some point in my life. The one ending in XXXX is correct. 

Hard Pulls that were never authorized by me nor do I recognize that I would like removed as soon as possible as it's not inaccurate potential fraud because I never approved of the following XXXX XXXX   XX/XX/2019, XXXX XX/XX/2019,
Consumer complaint received 2019-09-02
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 reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.
Consumer complaint received 2020-01-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

Hi, I am dealing with a credit issue due to a late payment on my vehicle. I was under the assumption that I signed up for Autopay online, but received a letter in the mail that it never went through. I also was a bit annoyed as autopay was not an option. Im hoping to see if this late payment can be removed as it took my credit from about XXXX to XXXX. I am on time with all other credits/mortgage/etc, and was only when using Chrysler Capital that I ran into problems.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The following account is not mine XXXX Account XXXX balace : {$580.00} please remove it from my credit report. 

this account does not belong to me i am not liable for this debt never belong to me remove it
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Mortgage, LLC (VA)

I have been in the process of obtaining a refinance of my current home mortgage with a mortgage company called The Premier Mortgage ( XXXX # XXXX ). This process was started all the way back in XXXX, XXXX. I have submitted all of the required documentation and was in regular communication with the loan officer through late XXXX, XXXX. At that point, all communications with the company stopped, despite numerous voicemails, emails, and text messages sent. 

I was told by the mortgage officer that my loan was ready for approval in a phone conversation on XX/XX/XXXX. Since then, I have learned that the loan officer that I was working with has left the company and he is unaware if the company has reassigned his files to another officer. Again, I have tried at least 10 times within the past 2 weeks to call or email the company, with absolutely no response from the company. 

I have already spent {$540.00} out of pocket for an appraisal of my property ( paid on XX/XX/XXXX ) and am now at the point where that money has been completely wasted unless the mortgage company reengages with me and the loan moves to closing. I feel that this company 's lack of professionalism and follow-up is appalling and I'm hoping that something can be done about this as soon as possible.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

This started out as I was told that my loan was approved and upon this approval they were to put the money into my checking account, I was suspicious but I had worked with a loan place before and this was their procedure and upon normal banking process as I checked to see if it was deposited and it was so I began use my debit card and I got notice that this check did not go thru and they retrieved monies from my account. I have been desperately seeking help and any solutions to this problem because now I am unable to open any checking accounts from all banking institutions. I am in need of a checking or savings in some way due my profession because to handle the amount of cash just puts me at risk for bad things that can result into me being trastically hurt. Please help or steer me in the right direction.
Consumer complaint received 2022-01-19
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. (IL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2020-10-21
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-05-03
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. (NY)

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. 

Us Bankruptcy Crt XXXX  Reference Number XXXX XXXX Credit Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX Account Number 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 instruction.

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 ) states : 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 2022-01-19
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: EQUIFAX, INC. (PA)

On XX/XX/2021 I notified XXXX, Equifax, and XXXX about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2019-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Services , LLC is committing mail fraud by posting false address of us in the website addressed as : XXXX XXXX XXXX 
Anyone creating a free account of the website and logs in can search by the property address of XXXX XXXX XXXX, XXXX, TX XXXX, will see the fraudulent page that would display our fraudulent information. 
Our address has been posted to be : XXXX XXXX XXXX, XXXX, TX XXXX. 
They are using this mailing address to post their auction for our property. 
This has been done to fraudulently access the mails of interested buyer who would be willing to buy our property and communicates with us. 
Also Carrington, in the site, has posted the straw borrower 's information and the flipped mortgage loan information to increase the foreclosure bid higher for the house. 
This is an example of how low can a mortgage servicer/lender can stoop down to in committing mortgage fraud. 
This act qualifies for both fraud for money and fraud for property.
Consumer complaint received 2019-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (WV)

On my XXXX, Seccredit has furnished information, re-aging a debt on my credit report. The original creditor was XXXX. They then removed the debt after they resold the debt. The original debt was over $ XXXX but once sold, it was inserted onto my credit report for the amount of {$4500.00}. Upon reviewing my report, my report reflects that i made payments from XX/XX/XXXX which is untrue as the date of last payment is stated for XXXX which is also untrue and is not even in the 180 period from last date of delinquency. They also state that the account status is open. 
On my XX/XX/XXXXand XX/XX/XXXXthe creditor ( same third party agency ) is listed as SecurityCred and states the original creditor, 09 XX/XX/XXXX. They do not show the date of last payment. Theyre not reporting accurate information and are pulling illegal tactics to re-age this debt. This collection is furnished under 625 ( 5 ) A and is using illegal tactics to re-age/furnish this debt hurting me. 
I have disputed with all 3 bureaus. Ive disputed twice with XX/XX/XXXX. I have demanded debt validation from the collection which have been ignored. This will be my last attempt then i will resort to taking this to court.
Consumer complaint received 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased a XXXX XXXX XXXX on XX/XX/2017 from Santander auto finance. Through XXXX XXXX dealership the car is a lemon it is not or was not suitable to be sold. I contacted them to also let them know my contract was fraudulent as well since the car loan was for {$22000.00} and I put down {$10000.00} cash. 
Santander doesnt want to assist me at all.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

Hi, I was currently buying XXXX currencies on the binance XXXX XXXX app and experienced some problems with my banks which binance labeled as chargebacks. 

I settled the chargebacks in my account about 4-6 weeks ago by adding the missing money but currently my account is still locked and all trading has been disabled. 

Ive been trying to reach out and fix the problem for 3 months since the chargebacks occurred but have received no response. 

Need help to resolve this issue with them XXXX soon as possible.
Consumer complaint received 2021-03-30
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: WELLS FARGO & COMPANY (IL)

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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired onXX/XX/2019 XXXX XXXX XXXX, Inquired on XX/XX/XXXX
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P. (FL)

I took out a {$2600.00} Loan with Quick Credit on XXXX. The Interest amount was supposed to be {$100.00} per payment, which came out of my Checking Account each payday twice per month. Below is a snapshot sent within the first email from them summarizing the Loan Thanks for choosing us XXXX! 
Heres a snapshot of your Quick Credit loan : Loan Amount : {$2600.00} Annual Percentage Rate ( APR ) : 199.45 % Payment Amount : {$190.00} First Payment Due Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX Below is the second snapshot sent within the next email : XXXX, your payment will be withdrawn soon. 
We just wanted to let you know that your automatic payment has been processed for XX/XX/XXXX and will be withdrawn from your bank account on or after XX/XX/XXXX. 
Your Payment Breakdown : Total payment amount : {$190.00} Applied to interest : {$100.00} Applied to principal : {$97.00} Payment confirmation number : XXXX New account balance after payment : {$2500.00} I deferred the next payment only to cover my rent, which is when everything took a downward spiral. I Paid the Loan off on XXXX in full as shown below. 

XXXX, your Quick Credit loan is paid off! 
Congratulations on paying off your loan! Your final payment was received on XX/XX/XXXX and will be withdrawn from your bank account on or after XX/XX/XXXX. 
Final Payment Breakdown : Total payment amount : {$2500.00} Applied to interest : {$200.00} Applied to principal : {$2300.00} Payment confirmation number : XXXX New account balance after payment : {$0.00} No payments went to Principal, all payments went to interest due to their continued negligence. Please help me review to see If I am being treated fairly.