davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I received an XXXX deposit in the amount of {$4900.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon ) on Friday, XX/XX/2023. The deposit was to reimburse me for my expenses from a bike repair shop I operate. On Friday, XX/XX/2023 I went into a US Bank Branch in person and withdrew {$2000.00} from a teller. I also stated that I needed a new card but I did not want to use the address on file because I have been experiencing mail theft. I told her I would come back when to request a card when I get my address situation rectified. On Saturday, XX/XX/2023, I went into the US Bank branch to request a card and update the mailing address but instead was informed by the teller that my account has been locked and he gave me the number for the fraud department. I made the call to the fraud department and the rep informed me that the account was closed because there was money deposited in my account that wasn't in my name. I told the representative where the deposit came from and how much it was for and verified all my information. The rep put me on a long hold. She finally got back on the line and told me my account is closed for suspicion of fraud. There was no fraud committed. I verified all the information I could and said exactly where the deposit came from. All this could easily be verified through the sender ( XXXX  ) as well. I believe there has been some misunderstanding somewhere along the way. I would also like it noted that initially, XXXX  had the wrong account number on the XXXX form. The account was missing the first number, XXXX. So they had to redeposit it to my correct account number, in case this has anything to do with any of this. I would also like to indicate that I operate my community bike repair business as a XXXX XXXX. 
I am requesting that US Bank return the money from my account that they closed. It has nothing to do with fraud and I ask that a human review the transaction and not a computer. I would prefer to come in and pick up a check for the balance of my closed account or if at all possible I would like to keep the account and banking relationship with US Bank.
Consumer complaint received 2023-07-25
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

Reference : XXXX. 

1. It is with the proven fact that Correspondence after correspondence which i send to Ally, are without a correct performance response. 
2. Ally is without the proper verification of accounting to prove the funds for loan agreement XXXX were in fact produced by Ally. 
3. It is my suspicion that this Loan with Ally is an unsecured Loan. 
3.1 Ally had 30 days from the time the loan documents were signed to transfer the securitization of the promissory note into a XXXX trust which would have originated a new owner, which would have sent me in writing further details that there is a new signee in the loan documents pursuant to the Truth In Lending. 
3.2 It is my strong belief the Loan is in default and therefor unsecured and if the Loan is unsecured THERE IS NO DEBT.

4. It is my belief that Ally is with the intent to commit fraud to the IRS by tax evasion.

5. It is my strong belief that i am a 3rd party beneficiary because my proceeds from the note funded the transaction to obtain my car.

6. Pursuant to Title 15 section 1641-ammended public law 111-203 - 15 usc 1640, I have a claim for the recoupment and setoff. 
7. Failure for Ally to come into an agreement with me for the recoupment and setoff of Loan XXXX within the next six ( 6 ) days will result in an IRS/Department of the Treasury criminal investigation procedure which i will fully implement.

Note : 1. Reference attached documents for proof Ally agents are without the proper performing accounting for origin of funds for Loan XXXX which clarify unfair, abusive, and/or deceptive lending and servicing practices. 
2. See attached Judicial notice and Constitution for men/women of this land. 

Sincerely Benefeciary : XXXX XXXX XXXX.
Consumer complaint received 2023-07-25
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-26
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. (NY)

In  XXXX  o f 2016 I   XXXX   XXXX  notified  XXXX ,  XXXX , and EQUIFAX they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , & EQUIFAX refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX and I am a federally protected consumer. According to the Fair Credit Reporting Act 15 U.S. Code 1681, consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Reasonable procedures of fairness and accuracy equitable to the consumer. Proper investigations and verification are to be done BEFORE furnishing any information to my consumer report. I have incurred GREAT damage to my person and financial injury.

You are hereby notified, pursuant to UCC 1-202f. Your prompt attention and response is both requested and required.
Consumer complaint received 2017-05-26
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: CHECK INTO CASH INC. (AL)

X/XX/17   . I went to check into cash and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then two weeks later   X/XX/17  I   went back to the branch and rewrite my contract and i got another alert stating that CHECK INTO CASH did another credit inquiry. I do n't like this idea at all .It affected my  credit score.  I was n't informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance
Consumer complaint received 2021-08-04
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: JPMORGAN CHASE & CO. (CA)

All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - Jpmcb - XXXX  XXXX I have attached an ID Theft affidavit packet and police report.
Consumer complaint received 2023-07-25
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

XXXX   XXXX , offered my family and I a smart option loan  in 2009 that we have  been paying on since the month after we were approved for it. We have been paying on this " low interest '' loan for the last 8 years and my principal has only gone down {$350.00}. The loan was to pay off all the interest while I was in school, and then after I graduated, the payments would go towards the principal. However as I keep checking my balance, it does not go down ... I continually accrue late fees, and my consigner is harassed. He was  receiving 5-10 calls a day, stating I was not paying and he would be aff ected. However, I was on a set payment plan where the money was taken directly from my bank account every other week. The options for me to actually get this loan paid off are slim to none. The amount I 've paid in the last 8 years, every other month, equals about the principal that I borrowed in the first place, yet less than {$400.00} has come off the principal.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Original loan in XXXX, conforming fixed with 20 % down National City Mortgage Bank Refinanced in XXXX for lower rate ( Loan amount {$370000.00} ) Same lender XXXX or thereabout National City acquired by PNC Bank XXXX I lost job during great recession. 
XXXX I used up my savings to pay mortgage. 
XXXX Applied for hardship relief. Was given huge run around for approx. 15 months. 
XXXX was offered a modification that added my arrearage to the principal balance and Increased my payment. I had no choice but to accept. 
XXXX another unemployment, and another modification request. More runaround. 
XXXX a better modification. This one lowered the principal amount to $ XXXX, but added $ XXXX as a no interest balloon payment at the end of the loan in XXXX. 
XXXX I requested multiple times to have a breakdown of what was included in the $ XXXX. Was never able to get an answer until XX/XX/XXXX. As expected, the amount is made up of unpaid interest, taxes, Insurance, penalties and late fees and whatever junk fees accumulated during the periods of delinquency. 
I should probably point out that PNC subjected me to every mistreatment you ever heard happens during a modification, including, but not limited to : excess wait times on the phone, clueless customer service agents, multiple harassment phone calls, tons of threatening letters, endless requests for documents, empty promises of modifications agreements in the mail, auction notices, etc. I had many sleepless nights as a result of their incompetence/unwillingness to work with me. 
They are now claiming that the $ XXXX is legitimate. However their documentation is so poorly laid out that it is hard to determine. Also, an interest free balloon payment isnt what President Obama had in mind when he passed XXXX. 
Additionally, I am now XXXX XXXX XXXX and collecting Social Security. I was working until the pandemic. Now I am on XXXX. As is my wife. We have $ XXXX left of the mortgage, which we have been keeping current for the past 5 years. We are just trying to get relief from the $ XXXX balloon payment due in XXXX, when I will be XXXX XXXX XXXX! 
XXXX - I hired an attorney to look into this issue. He wrote a letter to PNC, suggesting that $ XXXX would be a fair and reasonable adjustment. The Customer Service department responded ( not the legal department ) that no adjustment was warranted. As part of their justification, they mentioned that we had been the beneficiary of some {$25000.00} from the XXXX XXXX XXXX XXXX, which is true, but had absolutely nothing to do with PNC, other than that they were the recipient of all the payments! 
My attorney decided that PNC would never be cooperative, and said that he did not want to accept any more money from me in what he felt would be a waste of time. He recommended CFPB.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Balance transfer — 
Company: KEYCORP (CO)

I used a convenient check to transfer a balance to my KeyBank credit card in XXXX 2016. The check and promotion flyer indicate that the check needed to be used by XXXX/XXXX/16 to qualify for the promotion. The check was used with another provided in the amount of {$9300.00} and posted on XXXX/XXXX/16 to the account. KeyBank processed the payment in their system on XXXX/XXXX/16, resulting in them not applying the promotional APR of 0 % or the balance transfer fee of 3 %. Instead, I incurred a balance transfer fee of 4 % and have incurred a monthly APR of 11.24 % for XXXX and XXXX. I originally called on XXXX/XXXX/16, spoke with XXXX, and was told that the check had to be processed by KeyBank by XXXX/XXXX/16, not that the check had to be used by XXXX/XXXX/16. I asked for a review of my account to reconsider since their flyer states the convenience check needs to be used by XXXX/XXXX/16 and the transaction must post by XXXX/XXXX/16. I was provided a ticket number and told I would receive response within XXXX5 business days via cell phone or my mail. I placed a followup call on XXXX/XXXX/16, spoke with XXXX, and was told there was no response available and that the original supervisor who created the ticket would need to look into and call me back. I was promised a call back on XXXX/XXXX/16. I placed a second followup call on XXXX/XXXX/16, spoke with XXXX again, and was told there was still no response to the ticket. I requested that XXXX look into the issue and call me back since XXXX had not called me back after XXXX phone calls. I was told I would receive a phone call back with a status. I still have not received a call back or a response via mail. In the mean time, I have incurred fees that I believe are incorrect and should be reviewed totaling {$250.00} as follows : monthly interest in XXXX ( {$86.00} ) and XXXX XXXX {$74.00} ) along with a convenient check fee of 4 % ( XXXX ) instead of 3 % ( {$270.00} ). KeyBank is clearly not going to resolve the issue despite numerous followup calls on my part.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (VT)

Key Bank bought out first Niagara, where my car loan was held. Checked Key Bank account, no pending debits, so I paid my {$440.00} car payment on XXXX. They autodebited {$440.00} that same day. Called 2 days later on XXXX : horrible customer service, said they would call me back when someone who could reverse charge was available. Never called back. I called them on Monday XXXX. Staff person was knowledgeable, but said I might not see the amount come back until XXXX/XXXX/16. Seemed like a long time to wait, but fine. Today, XXXX/XXXX/16 -- no money credited to my account. Called Key Bank. Was put on hold for 35 minutes ( the recording warned of 3-6 minute waits ). Was told that because I do not have a Key Bank checking account they have to mail a check, which they will do on Monday. This is a long time to wait, and I did n't get the same answer out of any XXXX people. I 'm still not convinced I will receive a check next week. Nowhere on my account can I see that auto debit is set up, but the woman on the phone assured me it was.
Consumer complaint received 2023-07-25
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)

To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not share my information to third party institutions These are clearly violations of my federal protected consumer rights.
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CULLEN/FROST BANKERS, INC. (TX)

My Frost bank accounts have been hijacked by one of their representatives XXXX XXXX XXXX who instead of calling or emailing me has frozen my accounts and called my ex-girlfriend. I have no access to financials well over {$500.00} and have not authorized any action on the part of Ms. XXXX or Frost Bank.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (MN)

I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (CO)

I believe TCF bank submits items in an order that creates additional overdraft fees. I have several examples I can send in the next few days. My account has been overdrawn due to my own behavior, but I believe they have exacerbated the problem with unreasonableXXXX overdraft charges. I call them every month and they forgive a few but the next month I see charges moved around which creates additional overdraft fees to the tune of 100 's of dollars this year alone.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (OH)

This is in regards with my previous dispute with Key Bank. My ATM/debit card associated with my checking account has unauthorized activity on it. About {$5000.00} in unauthorized activity from a XXXX. Now, I 've notified you several times about this and you refuse to do anything about it. I 've notified you well within the required timeframe. According to the Consumer Financial Protection Bureau, the law states ... 

If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or have any of them stolen, you should still notify your bank or credit union right away. Under federal law, you will not be liable for the transaction if you report it within 60 days after your account statement showing the transaction is sent to you. But if the charge goes unreported for more than 60 days, your money could be lost. 

... so, as you can see under federal law, I am not liable for the unauthorized transactions. I notified you well within the 60 day time frame. Credit my account or I will take legal action.
Consumer complaint received 2023-07-25
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.