davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (CA)

Key Bank National, XXXX XXXX, Or XXXX. Will not close out my father and mothers checking account. my sister was also on the account as a signer. All XXXX family members have passed, my father XX/XX/XXXX ( this death certificate should already be on file ). My Mother passed in XX/XX/XXXX and my sister passed away XX/XX/XXXX. She failed to close the account when she was moving all the house and other necessary things to do upon someones passing. I have sent this bank certified mail XX/XX/XXXX regarding the checking account still open. The information was XXXX death certificates their ID 's, my ID, a noterized copy of my signature and an affidavit. I live out of state and do not have the luxury to walk into the branch and do this in person where it would take less documentation then the have in their hands now. Since XX/XX/XXXX, I have been speaking to whom I think is the head teller and have spoken to the Branch Manager. Between the XXXX of them I have no further results XX/XX/XXXX. On my behalf I have also spoke to XXXX people from Key Bank Headquarters. They promised to help, I received no further phone calls as promised. Yesterday I get a text, from the Branch Manager, that he has know made a few calls to attorney 's and when he here 's back from them, he will contact me. I know have to wait while they consult an attorney. Give me a brake, where is Key Banks Protocol Manuel??
Consumer complaint received 2023-05-08
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: CBC Companies, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-08
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-08
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. (SC)

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 an account without my written instructions.
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (VA)

This is a XXXX XXXX. My bank XXXXXXXX XXXX XXXX XXXXXXXX is forcing me to pay this solar loan off as part of my refinancing. We closed on XX/XX/XXXX. My closing attorney send a certified check to Goodleap in California. someone signed for it. They lost it. They are still billing me {$350.00} for the last two months and I am also paying XXXX now. I need it get this paid off. My attorney is XXXX XXXX at XXXX, XXXX, & XXXX in XXXX, Virginia. Her number is XXXX XXXX XXXX. 

We have talked with Goodleap 's customer service four times now. They say they have no check and will keep billing me??? What can we do? Sue them? Goodleap can be reached at XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Please help us. 


XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX CO XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2021-01-17
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. (TX)

I have been disputing this account on my own for about a year and have yet to receive any results or response from Transunion. After debating on if I wanted to continue to dispute the charge off on my credit report, I decided to send another dispute then certified mail. Transunion receive my letter on XXXX XXXX. I am aware of the 30 days needed to investigate. Here we are in XX/XX/2021 and I have yet to receive any debt validation as requested on XXXX XXXX
Consumer complaint received 2022-07-20
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Dates XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXXXXXX/ XXXX / {$0.00} XXXX XXXXXXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (TX)

I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VT)

I downloaded the chime app and attached my bank because my daughter was excited about the app. I assumed it was an investment app but waited for her to guide me to encourage her but after two weeks my personal bank account seemed off so I started going through transactions and chime had charged me {$300.00} the first week and {$100.00} the second week. I called them and closed my account and disconnected my bank and then called my bank to let them know what was going on. I waited 5 days like they said to get my money back but it only took two, the five days ended on a Friday and on Monday I went to delete the app to find it was fully open and my bank account was still attached plus there was another {$300.00} on the chime account. I called them and asked them where the option to turn off automatic deposits was because I never authorized them in the first place and the woman on the phone said she had to download the information and about 3 or 4 minutes into waiting she hung up on me so I called back and again asked how to turn off their automatic deposits, this was after I went through every option and setting on the chime app twice and there was no option for me to stop it. I got hung up on mid sentence this time. I transferred the {$300.00} back to my regular bank account and called back again and asked to talk to a manager and while on hold another {$300.00} was transferred out of my regular bank account to chime only 15 hours after the last {$300.00} was taken. The manager got on the phone and said I have to call my bank and that it was my bank sending them money and authorizing the amount and they had no control over what my bank does. As an adult with a XXXX XXXX who has had many bank accounts, I knew that wasnt true but I did hang up and call my bank who obviously said they werent authorizing the transfers. We put a stop payment on future transfers but chime blocked my account during that time so now XXXX cant dispute the or transfer the most recent {$300.00} that they are holding. They were extremely rude on the phone as well. My bank asked me to close down my chime account which I tried to do but was blocked from doing that as well. Im not sure what is going to happen from here but what I do know is that chime is a scam and that everyone should stay far far away from them. I just read all of their terms and they are using the excuse that the transfers are electronic communications I am attaching documents as proof.
Consumer complaint received 2023-05-08
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: Self Financial Inc. (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$11000.00}
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

My minor child was a sent a letter from Aldous & Associates.

I called and asked to speak to a supervisor. Man named XXXX XXXX Assisted me. He became angry when I told him my son is a minor and this was a fraud. He hung up on me. I immediately called back spoke to XXXX XXXX, he forwarded me to XXXX XXXX. I explained that my son is a minor and that this gym they are referring to has been closed down since last year due to the pandemic. The gym also wouldnt allow a minor to sign up. 
I also requested a copy of the contract. I was hung up on again.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Diversified Consultants, Inc. (GA)

I would like to see proof that I have made them charges for  XXXX   XXXX   XXXX  and  XXXX . I would like to see proof of my identification card and signature and not a statement of the bill! I did not authorize those charges!
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

RE : Home Depot Credit Card by Citibank. 
Everyone has been covered up with request to convert to paperless statements. What I learned today from Citibank was when you do this you are automatically removed from account alerts. Thus a charge of {$23.00} becomes {$120.00} when the late fees are piled on. Contacting them via phone, I was advised that they would only be able to remove XXXX of the XXXX late charges.No supervisor was able to address my complaint regarding the blindside from this company. I can only surmise that the reason for stopping account alerts was to increase punitive fees and increase income for the bank. I hope that this issue gets to class action status and the crooks will be forced to find another sneaky way to rob their customers.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I signed up for a Citi Gold Checking account online and entered a promotional code ( XXXX ) that I was mailed in a credit card statement. The promotion stated that I would receive XXXX XXXX XXXX after completing bill payments in two consecutive months and completed debit card purchases totaling over {$1000.00} in 90 days using the Citi checking account. I received verification during the online application process that I was eligible for the bonus and checked again with a representative a few days later. A month after applying online and completing the promotional requirements, I received confirmation from a Citi representative ( XXXX/XXXX/2015 ) through secure message that I had met the promotional requirements and the representative stated I would receive the promotional offer within 90 days. On XXXX XXXX I inquired to the status of the promotion and was given a wait time of 30 days before the miles posted. On XXXX XXXX, I again inquired to the status of the miles and that 's when Citi stated they needed to perform a investigation to determine whether I was eligible for the promotion. On XXXX XXXX I received notice that I was indeed eligible and all Citi needed was my XXXX account number. I supplied the account number and received another notice on XXXX XXXX indicating another investigation needed to take place to determine the status of the promotion. 

Frankly, this run around is getting ridiculous and I 'm tired of being promised something XXXX day and then the next day the story changes. I 'm not sure how a bank can possibly operate in this capacity and expect to maintain customers. I 'm hoping that this CFPB complaint can bring this mess to a close and I can move on to bank who does n't trick their customers.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

XXXX My Credit report was charged with Collection from CCS XXXX File # XXXX ) for {$560.00} for collection for Homeowner Insurance from XX/XX/XXXX to XX/XX/2021. Meanwhile I had another insurance from another company from XX/XX/2021. This insurance was canceled & Now my credit has been ruined. I have active refinancing process going on and this hurts my credit with 85 points down. This is very Unfair for a consumer like me. This is absolutely unacceptable.
Consumer complaint received 2023-05-08
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MI)

This complaint is in regards to the company XXXX. On XXXX XXXX, 2015, XXXX wrongfully placed my account with a collection agency. This account was transferred to the collection agency a full two days before payment was due. I have attached the bill from XXXX showing that my bill was due on XXXX XXXX, 2015. I have also attached a XXXX complaint where XXXX admits to sending my account to collections a full two days before the due date.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We had an interest only loan in XXXX and the loan principal was due in XXXX. We got further behind on our bills. We were told to stop making payments in XXXX to get a possible modification on our loan after filling out numerous applications and being denied. We were forced to file bankruptcy because we got so deep in debt during this time. Our bankruptcy required us to make our mortgage payments to Wells Fargo during the repayment process. We made payments every month in the amount of {$1900.00} as part of our XXXX XXXX  for 5 years. During that time we were told to keep trying for a modification. We did exactly that. Once they actually foreclosed on our home which was illegal at that time. It got reversed. At the end of our bankruptcy we were forced to short sell our house. During this process we found out Wells Fargo closed our home loan in XXXX when we filed bankruptcy. We were actually paying {$1900.00} a month to Wells Fargo and no one could ever tell us where the money went. After the true XXXX we and our children went through during this time, we lost it all in the end. We will probably never be able to own a home again. The irony is 2 years after we short sold our home, someone called from Wells Fargo to follow up on our modification application. This whole time of our life was just surreal.
Consumer complaint received 2023-05-08
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

XX/XX/2018 sent a certified verification letter to Accounts XXXX collection agency. I have never received a response from the company. I disputed with Experian credit agency. There investigation concluded accurate without providing any proof to their investigation.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

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

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

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.