davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (WA)

XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.
Consumer complaint received 2019-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: KEYCORP (PA)

Account : XXXX www.keybank.com XXXX, OHIO USA Keybank is taking the interest rate 5.94 % on the outstanding balance each month any computing the Statement Interest incorrectly. They are computing the number of days incorrectly.

Finance people who financed the loan via key bank was for 54 payments of {$450.00} I make all the payments ahead of time and I should only be incurring about {$100.00} a month instead paying extra money for their creative ways of calculating number of billing daysl 1st pay statement on XX/XX/2019 is being charged 45 days at a compounded daily rate of 5.945 / 365 days = .000016274. They used start date of XX/XX/19 Problem 1 date range is from XX/XX/2019 to DUE date XX/XX/2019 ( 45 days ) Charging me on XX/XX/2019 for future dates? 
Also note : online in indicates loan did not start until New Loan XX/XX/XXXX 2nd pay statement on XX/XX/2019 is being charged 37 days Due Date XX/XX/2019 This is really BAD - Apparently it looks like they are using a date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 37 days.

they already charge me for up to XX/XX/2019  in the 1st statement. DOUBLE CHARGING me an extra 6 days. 
3rd pay statement onXX/XX/2019 " SAME THING!!!!

38 days Due date XX/XX/2019 - They used date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 38 days.

DOUBLE CHARGING me an extra 8 days. 
If there computer program is doing this to all their loans they are over charging customers that are paying as soon as they get the statement. 
With the size of KEYBANK this could be MANY MANY THOUSANDS OF DOLLARs that they are illegally charging consumers. 

See XXXX attachment, Copies PDF 's of statements and EMAILS from Keybank
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX  is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

According to CFPB Ref No : XXXX, XXXX XXXX sent a request to delete the hard inquiry, dated XX/XX/2020 in which CRAs must take less than 60 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Equifax still reports falsify information about this hard inquiry.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

Key Bank  is confused about my 'Grandfathered ' checking account from XXXX XXXX  , which had no maintenance fees or monthly transactions requirement, they took over in XXXX. And starting in XXXX have decided without my awareness or consent, to charge {$50.00} maintenance fees on an irregular basis. I have been using this account only as a depository for a small monthly electronic deposits from pension plan and have failed to monitor it regularly to catch these rough 'unjustified maintenance fees, until XX/XX/XXXX. My request to refund these charges and to explain what happened to my 'No Fee ' account after these many years of the account being maintained without fees have not been resolved by Key Bank . 

What is really hurtful, even though I was told and assured there would be no additional fees while my complaint is being 'researched ' for last 2 months, 2 more {$50.00} fees were deducted from my account!
Consumer complaint received 2018-07-24
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. (MD)

I sent Equifax a police report, my XXXX from the time this address and collection of XXXX was reported on my file, and also a dispute letter on XX/XX/2018. Today XX/XX/2018 I give them a call to see the status of the investigation, I was told I would have to wait another 30 days for investigation. I really would like to buy a car but I can not because of this collection and address on my credit file that is fraudulent.
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax 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 Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX  XXXX $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-03-08
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. (MO)

I have tried several times to get these accounts verified through Equifax and they keep telling me they are verified when I know that there is no contract on the accounts and that they are in violation of my hipaa rights. account # XXXX and # XXXX.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX, I attempted to place a freeze on my credit through Equifax. I was not able to authenticate through their website so I mailed and uploaded all the salient documentation. I never received the 10 digit PIN that was supposed to come in the mail. 

Today, XX/XX/XXXX, I tried to remove the freeze, while sitting in the business office of XXXX XXXX in MI. Having sent in all the relevant paperwork I figured I should be able to authenticate on the website. I was not and the system placed a block on my attempt to unfreeze my credit. I spoke with a representative and received no results. Even after answering all of their validation questions, I was told I would have to send in all the same information I had sent before. 

Upon returning home, I found the last credit report I have from Equifax, which is dated XX/XX/XXXX. I realized that they have a last name for me that I have not used since my divorce in XXXX. I feel as if I am being penalized and inconvenienced for the inaccuracy and antiquity of their data. 

Given their extremely " short '' customer service hours, I will try again tomorrow to speak with a " live '' person and once again prove that I am whom I say I am. 

Credit bureaus have far too much power over the events that shape our lives to have faulty misinformation as the basis for their decisions.
Consumer complaint received 2018-07-24
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. (FL)

On XX/XX/XXXX of XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX  through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.
Consumer complaint received 2020-09-11
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: WELLS FARGO & COMPANY (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TN)

On XX/XX/XXXX, I received a letter from Barclays about my Master Card credit card that was being closed because of inactivity. I had not used the credit card in several months. However, I had {$10.00} built up as cash rewards. On XX/XX/XXXX I had been told at the number XXXX, if my card was closed, they would mail me a check for {$10.00}. I put the card away and kept using the credit card I normally use which is not a Master Card. I called the XXXX number onXX/XX/XXXXnd spoke to a XXXX, Manager. He said they could not give me the {$10.00} because I did not have {$50.00} built up. He reinstated my credit card and put the {$10.00} back on it. He was real nice ; however, I think they should have sent me the {$10.00} as the person on XX/XX/XXXX had told me.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (CA)

To Whom it may Concern ; This letter is in response to your phone call on XX/XX/XXXX I received 2 private calls at XXXX and at XXXX, XXXX XXXX left a message " stating that they have notification of delivery of legal documents delivered to me to my previous address and that they have not heard any response on my behalf, the reason for this is that i never received any legal paperwork or knew of this matter, today XX/XX/XXXX was the first time that i learned or was aware of this matter. he stated to return the call to XXXX at ( XXXX ) XXXX with file # XXXX to return the call before the end of the business day will be best or they would consider it as negligence, and this matter will be submitted against me without my statements included. 
Then at XXXX they called again but this time on my mother 's personal number and that's when i spoke with XXXX XXXX , he stated that i needed to call XXXX no later than today because someone was suing me and if i didnt they were going to submit the legal lawsuit to the XXXX XXXX county courts, so i panic, called XXXX and he told me that i owe a debt of {$5200.00} from XXXX and the last payment on this was given on XX/XX/XXXX, which by the way the ( STATUTE OF LIMITATION has Expired ) from a Weight Loss program, Breach of contract. so i told him i was not aware or recall of this because i have never inquire or have been in any weight loss program. so he continue to say that if i don't take responsibility of this debt, make arrangements or pay i would have to go to the XXXX XXXX legal courts and i would be responsible on paying court fees plus the debt and the balance would go higher ... he was threatening. If this type of debt has an expired STATUTE of LIMITATIONS, if they pursue with this matter in court i will be forced to show proof that the statute of limitation has expired. 
Let this letter serve as notification that i do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated any other communication regarding this debt will be taken as violation of the fair debt collection practices acts.
Consumer complaint received 2019-06-05
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. (CT)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reportin ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have paid off my US Bank mortgage on XX/XX/2018. US Bank has confirmed that the loan has been paid off. However, even after six months the US Bank has failed to release/ reconvey the Title/ Deed on the property back to me through the county recorders office. 
I have approached US Bank numerous times at all levels including the executive office and the US Bank Customer Advocacy office, however all along they have responded that they have sent documents over to the county office and as far as they are concerned the matter is closed. 
I have approached the XXXX XXXX County office ( California ) and they have informed me that the documents submitted by US bank were incomplete and were returned back to the US Bank informing the US Bank to re-submit the documents. However, US Bank has not resubmitted the documents back. All my calls and emails to US Bank in this regard have gone unanswered with them sending me one letter in the mail saying the matter is closed and they can not help me in this regard
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (TX)

I received a notification from CCI,  Contract Callers Inc. indicating I had an alleged debt with this company. A certified request was sent to this company to validate this debt and no other communication was received from them. As of this Friday, XX/XX/18 this company reported this debt to my credit profile without proper validation.
Consumer complaint received 2021-03-15
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: SYNCHRONY FINANCIAL (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

This an error please delete! This account was never verified XXXX XXXX  # XXXX. I never received any response back from Equifax I disputed this account over a year ago under 609,623, 611 FRCA. I am a business owner and I have had companies trying to invoice me accounts payable that I have never even entered in to a contract with them, with would make their claim fraudulent.
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : 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 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

- Applied for a home depot credit card on XX/XX/2021 and was approved. 
- Contacted on XX/XX/2021 that the credit card was returned due to an issue with my mailing address - Contacted both home depot credit card services and citi card services on XX/XX/XXXX attempting to verify my account and obtain a replacement credit card. They were unable to verify my account using my only phone number, a cell phone number. They are requiring verification of the address using a physical bank letter - normally this is fine but I'm traveling for 4 months so I have no access to my mail until XX/XX/2021 As a result I have no way to verify my account, obtain a replacement credit card, or setup payments on this account. Filing this complaint because I have debt on the credit card that I have no way to pay off because of bad bank KYC policies.