davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (ID)

On XX/XX/XXXX I went into Key Bank at XXXX XXXX XXXX, XXXX, ID XXXX, Phone # XXXX to close our checking account and 2 savings accounts. They gave me 3 cashier 's checks for the total in each account. Account Closed. A couple of months prior my husband and I had applied for a home equity loan from XXXX at Key Bank to purchase property across the street from us. We were approved but the interest rate was higher than we wanted to pay so we went to another bank. Their rate was lower so we went with them. One condition was we needed a checking account with them which is why we closed the accounts with Key Bank. A couple of days after I closed the accounts with Key Bank I went on their website to see about some charges I would need for our taxes and noticed that our Insurance premium came out on the same day I closed the acct. I took them a check to pay for the premium that they had paid. Then a few weeks later my husband ask me about an expense check from work that should have been deposited in our new bank. I looked and all that had been deposited was his pay checks. Then I went on our old Key Banks site and saw where it along with a smaller expense check had been deposited a few weeks earlier. There were other deductions from the acct. that I had no knowledge of along with all kinds of deductions of overdraft fees and Maintenance charges. Totaling {$290.00}. This account was closed on XX/XX/XXXX. My husband called his work and they said the bank account change did not get to the office that entered the expense checks. They apologized and immediately tried to get the money back from Key Bank. Key Bank would not refund the expense money. I went there to get all of it straightened out on XX/XX/XXXX.  They told me to give it another week to be sure nothing else comes through and they would get it all figured out and refund all of the charges that the bank computers had added on. I went back a week later on XX/XX/XXXX. I  got the balance minus all of the charges and fees of {$290.00}. The teller said XXXX, now the branch manager would have to refund those funds and would not be in until the next day. She took mine and my husbands phone # 's for XXXX to call. I waited until after lunch of the XX/XX/XXXXand then called XXXX. That's when she told me that those funds would not be refunded. 
Please help me get these charges and fees refunded to me. Our checking acct. was closed. Two {$25.00} charges were because my husbands paycheck was not auto deposited into that acct. The acct was closed. Other fees were items that went in that they paid on a closed acct. And then charged us overdraft charges. A couple of withdrawals were charges I had reversed as we should have not been charged at all. Key Bank still is keeping the overdraft fees even for those items. The actual charges were deducted from the money they had in the acct. from the expense checks auto deposited to this closed acct.
Consumer complaint received 2021-07-06
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. (TX)

Please see original complaint ID XXXX. This issue is not resolved. I demand to know the method of validation and verification that was used to verify these unauthorized inquiries. " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY '' is not a valid response to investigate the cause of my unauthorized inquiries. Furthermore, in my original complaint, I also advised I was provided incorrect information from employees at Equifax, this issue was also never addressed. My complaint was closed by Equifax without fully investigating my complaint and coming to a resolution. 
Below are the unauthorized inquiries. I need to know the method of validation that was used to confirm that I authorized these inquiries, if not under FTC these need to be removed. Inquiries in question are the below XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX  XXXX, XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX
Consumer complaint received 2022-10-05
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: WELLS FARGO & COMPANY (NY)

We had our mortgage with Wells and were looking to refinance to a lower rate and 15-year Mortgage. Wells could not match the rate from another provider, so we left. About 2 or 3 weeks ago we received a call from a person from Wells mortgage office, or so they said asking about us refinancing. We said we already did. next thing i know there is a hard inquiry on my credit report form Wells. I never authorized or applied. I am disputing it. But was wondering why Wells would do that.
Consumer complaint received 2021-07-06
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. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible
Consumer complaint received 2022-07-28
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 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a dispute to Equifax earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to Equifax they verified the bankruptcy information with XXXX XXXX. This statement is as a result of an error on their part or either is an outright lie as I have documentation from XXXX XXXX stating that this information is not on file with them. If a complete investigation had been made it was not verified by XXXX XXXX. I'm including XXXX XXXX in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (MI)

I turned in my lease early. I made my final payment XX/XX/2021. I neglected to turn off auto pay and XXXX payment was taken out. I called and chatted with Ally multiple times and they kept saying it would be 30-45 days before I saw the payment returned. XX/XX/2021 the dealership paid off the loan. When contacted again, they continued to say they were waiting for paperwork from the dealership. On XXXX I received in the mail a bill for ; Disposition fee XXXX sale/use tax on disposition fee XXXX Less - other funds received XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total XXXX They are saying that the funds from the dealership were " removed '' or something so the next payment from them was late and I have to pay another monthly payment! So in essence, I'm going to make TWO extra payments on a truck I turned in XXXX?! I called again XXXX and XXXX told me what he could " see '' and he couldn't do anything about it. I asked to speak to a supervisor and he said no one could help me. I have no issue paying the {$100.00} for the balance of the disposition fee and the tax, but I can't understand how the rest is even relevant. 

Thank you for any help resolving this issue. XXXX XXXX
Consumer complaint received 2022-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-06
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. (CO)

We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from XXXX XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, XXXX was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, XXXX was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted XXXX to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.
Consumer complaint received 2022-07-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

This is a continuation of complaint # XXXX. Discover Bank responded by resiting its deposit agreement, never addressed the fact that they did not properly notify me of the illegal garnishment by the state of California. Since the state of California did not have a right to levy my account ( They failed to identify an ID theft case where somebody else filed a tax return using some of my information ) and Discover Bank failed to properly notify me about said levy, I hold this transaction to be illegal, and demand that Discover Bank recover the funds on my behalf before I bring this issue to court.
Consumer complaint received 2021-07-07
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. (VA)

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.
Consumer complaint received 2021-07-06
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00} Account Name : XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}
Consumer complaint received 2021-07-06
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. (AZ)

Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO EQUIFAX, XXXX AND XXXX FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, EQUIFAX, XXXX AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX AND XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT EQUIFAX, XXXX, AND XXXX CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. 

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON EQUIFAX, XXXX AND XXXX WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS. 

I HAVE ATTACHED EXCERPTS FROM MY CREDIT REPORT.
Consumer complaint received 2022-04-24
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. (FL)

Account name : XXXX XXXX Account # : XXXX 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
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upgrade, Inc. (GA)

On XX/XX/2022, I mailed a Validation of Debt [ Exhibit A ] and Cease and Desist Letter [ Exhibit B ], to UPGRADE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX [ Exhibit C ]. UPGRADE received these instruments on XX/XX/2022 and chose to not return the Domestic Return Receipt. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. 

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH [ Exhibit D ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ]. Respondent sent a copy of its permission to pull credit not signed by me and a copy of a generic contract that too was not signed by me. 

Conditional Acceptance Formal Conditional Acceptance [ Exhibit F ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter, and Non-Compliance Affidavit. Said Conditional Acceptance was sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ]. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by UPGRADE, having not received and showing no record of response to items listed in my Conditional Acceptance sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ] said Conditional Acceptance to Cure is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of UPGRADEs failure to cure and honor, Fault places UPGRADE in Default. For the course of dealing, set forth herein, with UPGRADE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, Conditional Acceptance, and Notice of Fault and Opportunity to Cure, constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Notice of Fault and Opportunity to Cure. Further Affiant saith not.

All documents have been sent to Upgrade and are too large to share in this format. They can be provided if requested by an outside party.