davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I have several checking accounts with keybank, somehow I got enrolled into the rewards program for all XXXX checking accounts. I called keybank and a gentleman Serviced my accounts he cancelled the rewards programs on all XXXX accounts and said I will receive a refund {$40.00} service fee for each account enrolled, that is should show up in 24 hours it is now several days. I called again and got a run around. I am no longer enrolled in the rewards program but they kept the {$40.00} service charge for the each of the XXXX accounts. the accounts in question is XXXX,XXXX,XXXX. I had planned to close XXXX of the XXXX accounts but I am waiting till this matter is resolved
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX Capital One was selling members info which lead to me being a victim of people stealing money from my account. Capital One required that I open a new account. I made them aware I was to receive my stimulus in the account they were closing. They reassured me that the funds would be deposited into the new account upon arrival. To this day Capital One has not given me my {$7000.00} stimulus. Capital One denies ever receiving these funds. A letter from IRS proves that Capital One did receive the funds and they were accepted not rejected as XXXX lied in her letter to me. 
XXXX Capital One was in a class action law suit for selling their members information. Capital One did not notify me of the class action law suit. They refuse to make any corrections in either situation. I want my {$7000.00} and the rightful amount of restitution owned to me per the class action law suit
Consumer complaint received 2020-05-15
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX  XXXX XXXX   XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX  XXXX {$560.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to file a formal complaint against transunion for inaccurately reporting my payment history. I recently obtained a copy of my credit report and discovered that it inaccurately reflects late payments on my account. Despite consistently making payments on time, my credit report incorrectly indicates that I have been late in making payments. 

The inaccurate reporting by transunion has had a detrimental impact on my credit score and financial well-being. As a responsible consumer, I have diligently made all payments on time, and it is unjust for my credit report to reflect otherwise. 

I request that the following actions be taken : 1. Immediate correction of my payment history to accurately reflect that I have never been late on any payments.

2. Investigation into the practices of experian to prevent such inaccuracies from occurring in the future.

3. Compensation for any damages incurred as a result of the inaccurate reporting, including any adverse effects on my credit score and financial opportunities.

I have attached documentation supporting my claim, including evidence of timely payments and copies of my credit reports indicating the inaccuracies. Attatched is my XXXX report that is reporting the payment history correctly. 

I appreciate your prompt attention to this matter and request that you investigate this complaint thoroughly. Please inform me of any further steps I need to take to resolve this issue. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX  ) that a XXXXXXXX XXXX XXXX XXXX  account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 

I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. 

I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as Transunion and XXXX due to accounts being reported to my credit report with account owners that have a similar name. 
The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX XXXX XXXX  ACCOUNT. 

XXXX XXXX  customer service and supervisors have not aided in resolving this issue. I asked for a corporate contact to file a complaint and I was told that one does not exist.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I am applying for a COVID-19 Relief Pennsylvania Statewide Small Business Assistance grant. In the process of " linking '' the bank ( XXXX XXXX  XXXX XXXX ) to which the application is submitted, I supplied information about my account so that the grant, if supplied, could be directly deposited to my PNC account. A message came up that claimed that PNC has altered their practices, that at least for now, preclude direct deposit funds. It was recommended that I note this problem so that the complaint may hasten the resolution of this issue so that it may corrected. 
This notification occurred today, XX/XX/2020.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Collections, Inc. (MS)

in XXXX XXXX XXXX i sent letters to express collection asking them to validate the debt they say i owe of {$1200.00} and received no response and they still report to the consumer credit reporting agencies XXXX, XXXX and XXXX. i also mail certified letters again asking for Validation of debt they say i owe and still no response from them. I'm filing a complaint now because they are illegally reporting on my consumer report each month damaging my chances to obtain credit.
Consumer complaint received 2020-01-18
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

we have had a mortgage with SPS for XXXX  years. Originaly we paid our property taxes ourselves. About XXXX  years ago SPS offered to escrow to pay the taxes and we decided to do it. Each year they have paid our property taxes in the 2 required payments ; once in XXXX and in XXXX. There has been no problem with it. our payments are made on time and there is always enough money in the escrow account. SPS paid our first half of taxes in XX/XX/XXXX but did not make the XX/XX/XXXX payment. We were alerted in XX/XX/XXXX by XXXX XXXX. We called SPS and after a couple of calls, i was assured this would be taken care of. XX/XX/XXXX we received a certified letter from county that not only had the tax payment not get made, the county sold our taxes at auction. There are fees and penalties as well. We called SPS right away and sent them a copy of the letter. We were assured that this would be taken care of and that they were putting in tasks and escalating them. Over XXXX calls over the next 4 months and they still have not paid our delinquent taxes. I have spoken with about XXXX people. Each person agreed that the error is on their end and that they would put in tasks for escalation but nobody has taken ownership to get this fixed. We ended up having to just pay off the mortgage in full. That was a XXXX weeks ago. i did call and confirm that they received the money. we also pulled our money from savings and paid the taxes, including the penalties and fees, and paid it ourselves to protect our property. i emailed them a copy of the receipt. Also during their process of tasks an escalations, they put in a dispute which impacted our credit score -they reported that we were disputing our entire mortgage and that dropped our credit score XXXX points!! they owe us all of our escrowed money which is about {$4500.00}, {$350.00} for the penalties and late fees, {$200.00} for having to consult an attorney and good faith reimbursement for the time and frustrations they have caused. they have cost us money, peace of mind, anxiety, impact to our credit score, frustrations. They are not operating in good faith and have misappropriated our funds.
Consumer complaint received 2024-05-01
Product: Credit 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: JPMORGAN CHASE & CO. (ID)

on XX/XX/24 I saw XXXX charges, XXXX for XXXX and a second for XXXX. They originally credited the acct, closed that card and sent me a new one. 
Said they would notify me of any disposition. 

XX/XX/24 When I went to pay my card off I find they charged these amounts back unto my new card without explanation. 
When I called I was transferred to XXXX different departments and then told me they did not have a reason why and gave me a number to call tomorrow. It is now XXXX XXXX time. 
I asked for a supervisor and asked that the card be cancelled and that a new dispute started. They referred me to the other closed dept and as far as I know did not do anything about it.
Consumer complaint received 2020-05-15
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. (CA)

I was a victim of the data breach, had his information sold on the dark web on XXXX XXXX data breach, and had to sue a dealership for fraud as well. 

I sent a 605B affidavit with a police report showing the numerous amounts of fraud with the information of the multiple breaches. This 605b FTC affidavit was sent to all 3 credit bureaus XXXX, EXPERIAN, AND XXXX. This FIRST affidavit was sent back in EARLY XXXX of XXXX. 

XXXX respected the 605b/police report and had all of the fraud removed off my credit report.

XXXX  did NOT respect the 605b/police report and the XXXX XXXX credit card ending in XXXX that had fraudulent activity was NOT removed. 

EXPERIAN  did NOT respect the 605b/police report and 3 credit cards that had fraudulent activity on them were NOT removed even though the police report and 605b showed the FRAUD. The 3 cards in mention are by the following creditors XXXX XXXX ending in XXXX ( same as previously mentioned ) XXXX  XXXX card ending in XXXX and XXXX XXXX starting with XXXX. 

I spoke with both EXPERIAN and XXXX  they said the verbiage in the 605b wasn't correct for the TYPE of Fraud i was reporting.

I have sent a NEW 605b affidavit and the same police report on XX/XX/XXXX, EXPERIAN still has NOT removed the 3 accounts in mention and XXXX  still has NOT removed the one account in mention. THEY DIDNT EVEN START a dispute till XX/XX/XXXX.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear XXXX XXXX, I trust this letter finds you well. I am writing in response to your resolution of complaint ( XXXX ) with the Consumer Financial Protection Bureau dated XX/XX/2024, regarding the matter concerning the alleged debt of XXXX XXXX XXXX purportedly owed to Portfolio Recovery Associates , LLC ( PRA ) in the amount of {$7500.00}, associated with account number ending in XXXX, reportedly acquired from XXXX XXXX XXXX XXXX ( XXXX ). 

Based on the Consumer Financial Protection Bureau resolution response to complaint ( XXXX ) on XX/XX/XXXX, it is my understanding that Portfolio Recovery Associates , LLC ( PRA, LLC ) acquired the purported XXXX XXXX XXXX XXXX ( XXXX ) The XXXX XXXX credit card account, ending in XXXX. This acquisition encompassed the entitlement to collect the outstanding balance associated with said account. Portfolio Recovery Associates , LLC ( PRA, LLC ) procured this specific debt in good faith and in exchange for value, through a single transaction consummated on or about XX/XX/ 2024. 

I appreciate your prompt attention to this matter. However, I wish to make it unequivocally clear that I am XXXX XXXX and that, to my understanding, I have not consented to any business agreement or arrangement with any of the parties referred to in your correspondence dated XX/XX/ 2024. 

I understand that the claims made by you are against a corporate entity and not against myself, XXXX XXXX. 

Thank you for confirming that collection activity has ceased and desisted, as stated in your XX/XX/2024 correspondence. 

Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and Conditional Acceptance, along with a full record of accounting and a proof of claim. Please refer to the provided Proof of Claim documentation, which includes : XXXX. Validation of the debt ( the actual accounting ) ; XXXX. Verification of your claim against XXXX XXXX XXXX ( a sworn affidavit or a hand-signed invoice in accordance with the Uniform Commercial Code ) ; XXXX. A copy of the contract signed ( wet signatures ) by both parties, Portfolio Recovery Associates , LLC ( PRA, LLC ), and XXXX XXXX XXXX XXXX ( XXXX ), thereby binding both parties ; XXXX. A true and certified copy ( not a photocopy ) of the Original Bill of Sale pertinent to the mentioned debt, as well as the requisite assignment agreements and accounting statements. This includes, but is not limited to, all actual accounting and double-entry transactions, representing the flow of funds from PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ) account ( s ) to XXXX XXXX XXXX ( XXXX ) account ( s ) for the purchase of this specific debt in good faith and in exchange for value, supported by a sworn affidavit under penalty of perjury and with unlimited liability.
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XXXX - XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
Consumer complaint received 2022-08-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (VA)

This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a XXXX tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (TN)

I would like to state that Experian is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow Experian to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Experian these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Experian wants to continue to do business with me, they should delete these inaccuracies off my consumer report.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (IA)

The short version, Hyundai Motor XXXX received XXXX XXXX from an insurance claim, kept it for XXXX months as payment on my lease, finally paid the insurance claim and reported to the credit bureau that my payment was XXXX days late. 


* On XXXX my leased XXXX XXXX was in a hail storm. 
* On XXXX XXXX sent a check to Hyundai Motor Company Finance Co in the amount of {$4400.00} to cover the repairs. 
* I followed up with XXXX XXXX/KIA Finance America and was eventually told that check was applied to my account as payment on XXXX. I was also told the funds could not be sent back to XXXX, they would need to be sent back to me. 
* After no response or refund, I followed up again XXXX and was told the check was mailed but not cashed, so the CSR would put a request to stop payment and reissue the check. I was to expect the check in XXXX business days. 
* On XXXX I followed up and got a little more... pushy. I requested the serial number and amount of the check that was issued. My call was escalated. I spoke with someone who stated there was never a refund check issued, there was paperwork to complete before the check could have been issued, and that I need proof my car was fixed BEFORE they'd release the funds. 
* On XXXX I received my FIRST correspondence from someone on the finance team taking action to use these funds to fix hail damage that was over XXXX  months old. 
* The repair company took on my case and worked directly with KIA Finance to collect funds for payment. 

In the meanwhile, because this XXXX XXXX was applied as payment, I was receiving bills showing {$0.00} due ( attached ). I kind of thought I may never get the funds correctly applied and have to accept the XXXX XXXX would slowly pay off my lease while I used a credit card to get my car fixed. I literally could not get anyone to give me a straight answer. 

FINALLY, in XXXX, I received a call from XXXX XXXX from the finance company stating my payment was XXXX  days past due and needed to be paid immediately. THIS was my only " contact '' from KIA Finance to let me know the funds had finally been adjusted accordingly. After confirming the call was legit, I made the payment over the phone during that call. 

Once KIA financed fixed their internal accounting issue and contacted me for payment which was provided immediately- they reported to the credit bureau that my account was XXXX days late. 

I am attaching invoices proving I had {$0.00} due according to their accounting for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called, emailed and sent a letter to them asking them to correct this credit report. I have been repeatedly denied. 

I am simply requesting they acknowledge they were holding my funds for payment during these XXXX months and correct their report to the credit bureaus. 

Thank you!