davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NH)

I got a letter on Tuesday of this week,XXXX. The letter was dated XX/XX/XXXX, so I received it over a month after written. This was regarding the KeyBank data breach from XXXX and XXXX of XXXX. They said my name, mortgage property address, mortgage account number, and home insurance policy number and information was breached. 

I called to have my bank account that was linked deleted. They said on the phone they would do that on Tuesday, as of now, it's still not deleted. 

I called every day this week always speaking to someone new who said they would file a report. I requested my account number be changed as it was stolen and my financial future is now destroyed. The Executive office employees would leave a voicemail twice without calling me leaving me no opportunity to pickup. When I call right back they are unavailable. Finally I called repeatedly on XX/XX/XXXX until someone got on the phone, XXXX XXXX I asked again for my account number to be changed. I was told by a KeyBank employee that HELOC loan members were allowed to change their account numbers. I was told that KeyBank does not do this and will not. I asked them to send me a letter saying specifically why and that they refuse to do so. 

I called my home insurance company the day I got the letter who immediately answered the phone and changed my account number. My bank was more than happy to do it along with adding security measures to my accounts, and I completed this Wednesday. 

KeyBank, who was responsible for the breach refuses to make me safer. KeyBank who advertises that they are secure, and are not, refuses to protect me. Other mortgage companies are happy to change account numbers in situations like this. KeyBank, if you can talk to a real person, clearly does not have the security or business practices in line with it's customers safety. I feel extremely unsafe with KeyBank not responding to me.
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX/XXXX  XXXX  XXXX and XXXX 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 an account without my written instruction.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX/XXXX. XXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this
Consumer complaint received 2022-10-28
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. (AL)

I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.
Consumer complaint received 2022-10-28
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the accounts. 

Accounts : XXXX XXXX  {$11000.00} XXXX, XXXX, {$1800.00}
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I checked my credit, my XXXX report, and saw ENHANCED RECOVERY CO L Account # XXXX Original Creditor XXXX XXXX XXXX XXXX for {$960.00}. I just became employed after a COVID19 layoff. I'd like to settle the debt for {$450.00}.
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have gap insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}
Consumer complaint received 2022-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not yet received any investigation results.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I tried to request my free credit report from Equifax online at annualcreditreport.com. I got a message that it couldn't be provided online and to call them. As you can see by the attachment, the message didn't include a phone number where I was supposed to call. I reported the problem a week or two ago and received a response thanking me for reporting the problem and including a credit report request form. I don't want to put such sensitive PII in the mail, so I tried the online process again today and the problem has not been fixed. The credit report request form included a phone number, which I called to request my report through the automated phone system.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Credit Bureau Dispute Letter/Affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Email : XXXX XX/XX/XXXX I have made several attempts to address the inaccurate, outdated information, charge offs written off, fraudulent. I have discovered accounts with several errors which is adversely affecting my credit unfavorably. These accounts need to be investigated and removed immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my names be remove and any other names, addresses and telephone numbers that Company Account Number Account Status Payment Status XXXX XXXX # XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX  # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION XXXX XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACCOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACOOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX XXXX # XXXX Collection Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION THE BUREAUS # XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party XXXX XXXX XXXX # XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete all names that do not belong to me : XXXX XXXX XXXX XXXX XXXX Please Delete all PHONE NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

I have repeatedly notified Navient that the amount due and owing is incorrect. I have long suspected padded charges since the original loan changed hands twice. XXXX and XXXX specifically. I have NEVER attended one of schools reporting. I never took any funds nor signed any loan documents from this institution. Navient refuses to recalculate these amounts. This is fraudulent.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (VA)

filed a recent complaint against chime financial inc about a dispute I filed with chime. I purchased XXXX love chairs vintage from a merchant on XXXX market on XX/XX/2022 I paid the buyer and was supposed to received my items no later than XX/XX/XXXX when I went to communicate with the merchant they blocked me and the page had been removed. I had to wait for the purchase to settle. I went to chime to file a dispute and was immediately denied within XXXX hours. I then asked for my claims to be rebuttal again chime denied them again chime told me to include information that I may have not submitted to have my claim investigated I then uploaded receipts that shows I paid and a contact between the merchant and myself both signed and dated that states if they buyer doesnt receive the items by XX/XX/2022 that a FULL refund would be given to me. I tried requesting a refund from the merchant and it was denied. I then went back to chime and asked for proof of what they used to investigate my claim and why it was denied so quickly. To my surprise chime never used the receipt or the contact that I uploaded over 5 times for the investigation. Chime again denied my claim and has yet to respond back to me about why my claim is not being properly investigated but instantly denied. I just want a refund I didnt received the items I paid for and it isnt right that chime allows its customers to get scammed and they dont even properly investigate the disputes. Chime doesnt care about its customers and Im so feed up with this issue. Its not right that someone can scam you and block you and chime sides with them even after sending proof. Bellow I attached the documents I sent to chime and what chime actually used in the investigation. Chime DID NOT DO ACTUAL INVESTIGATION on my claim they just denied my claim without reviewing it. As I explained and sent to chime the merchant denied my refund and block me on every site where I can not reach them.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

This debt has been disputed and removed from my credit report and they keep re-inserting it which then plummets my credit. 
This is not my dad I have stated this it has been proven to be not mine Im a victim of identity theft going back many many many years and this company refuses to follow the law and keep this information off of my credit report. This information was removed from my credit report and one week later they re-inserted it. My bank account was compromised previously and weve even had to have a to do bank accounts issued because of the identity XXXX this company continues to perpetuate it.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (GA)

Someone use my personal information and or name in the city of XXXX, and I have advised these companies that it was not me and they send me to a collection agt which is trying to collect a debt that is not mind, XXXX XXXX XXXXXXXX for {$170.00} and Aargon collection agt for {$380.00} this is fraud
Consumer complaint received 2022-05-30
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: DISCOVER BANK (NY)

In the month of XXXX there were unknown inquiries on my credit report that I don't recognize I don't have the exact dates for all of them but XX/XX/XXXX, XX/XX/XXXX, I think those are two of them
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Already filed one complaint with your agency and have been talking to the bank in regards to this matter. I did authorize 1 payment of XXXX to be withdrawn from my USAA checking account. The bank decided to take more than authorized which was {$750.00}. I did not authorize that amount to be withdrawn.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I've tried to submit an applied for the Chase Sapphire XXXX Credit Card. My application was denied even though my score across at least XXXX credit agencies is Excellent and above XXXX and for the other XXXX agency my score is Excellent and above XXXX. I've been also a client of Chase credit cards for several years and I carried multiple cards with them in the past. Currently I have XXXX active credit cards with them. It's very frustrating what's going on. My XXXX XXXX received a hard inquiry from the process of applying to this Chase Sapphire Credit Card.
Consumer complaint received 2015-04-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC (MI)

On XXXX/XXXX/2015 at XXXX a voice mail was left on my phone XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ext XXXX. The person on the phone advised she was calling to speak with XXXX XXXX XXXX my step daughter ) regarding an auto loan with their company. She also said that this is a pretty serious situation that requires her immediate attention. My voice mail gives my name, not XXXX 's. Immediately after she called my cell number, she called my husband 's cell ( XXXX XXXX ). She advised him that that XXXX was behind on an auto loan and that legal proceedings had been started against her. In both instances this woman ( her name is XXXX XXXX ) disclosed information to a third party, she advised legal proceedings were taking place when in fact they ca n't be as XXXX does not have a loan with them. I returned the call to the phone number listed on my caller id ( XXXX ) and asked for extension XXXX. XXXX XXXX answered and advised me that she had spoke to my daughter. I then asked her if she was aware of the FDCPA and she said yes. I asked why she had disclosed information on my voice-mail and then to my husband. She said she is following the FDCPA guidelines. FDCPA clearly states that the person calling can not leave a message advising someone has debt or disclose to someone who is a third party. This makes XXXX violations and possibly more. We are also aware that they contacted XXXX 's mother XXXX XXXX XXXX XXXX on her cell phone with the same information. I do have the recording of the phone message on my phone if it is needed. I also find it interesting that when I called the company XXXX XXXX could not find the information immediately and made the comment that it was under the last name of XXXX ( XXXX 's former married name ) but when she left the message on my phone and also when she spoke with my husband she used the correct name of XXXX. Please be advised that no one in my family owes a debt to this company.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (GA)

On XX/XX/2022, I loaded {$120.00} on a NetSpend card at XXXX in XXXX, XXXX. I was unable to activate it. When I called customer service I was told I was ineligible for the NetSpend card. They could not give me any explanation that was acceptable and said I would receive a refund in the mail within 7-10 business days. The money was for my car insurance so now I ca n't drive. I have never been accused of theft or fraud so I am not understanding this. I spent {$2.00} for the card. The company needs to notify customers before they purchase a NetSpend card that this can occur. I have XXXX issues and as you know we are living in some terrible times. This almost pushed me over the edge. 

On XX/XX/2022 I called customer service to inquire about my reimbursement check. I was told it had not been mailed. After I requested that my reimbursement check be mailed, I was told that I would have to pay for the delivery of my check. So now I've paid for a NetSpend card that I can not use, I have to pay for the delivery of my money back and I don't have car insurance. 
I have emailed the President of NetSpend and NetSpend customer service. I have not received a response.
Consumer complaint received 2018-11-30
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. (MO)

I have disputed this many times, now it's getting to the point of mental harrassment. The following company XXXX XXXX XXXX XXXX, I do not, nor have I ever had a contract with. No Contract. According to the FCRA law, if you gon na report information via a consumer and it's been disputed then you as the reporting agencies shall provided that consumer with physical documentation. Again, I have no contract with the above company ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the XXXX and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.