davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: Midwest Recovery Systems (CA)

Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was at the XXXX dealership and when they ran my credit to see what bank would approve me for the loan I was told that I didn't qualify without a co-signer due to an account reflecting badly on my credit history. The account is from XXXX  XXXX XXXX with negative payment history with a credit limit of {$2500.00}. This account is not mine and I didn't give anyone permission to open this account on my behalf. I'm not sure who is responsible for opening this account ; I did not benefit anything from it being opened in my name such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

I opened an American express revolving credit limit ( amex XXXX ) card back in XX/XX/XXXX. I held the card for four years and my credit limit was XXXX around XX/XX/XXXX or XX/XX/XXXX Amex lowered my credit limit when my balance reached XXXX claiming that the balance was too high and that I was approaching my limit ( 4,000 difference ). they extorted XXXX dollars from me in order to restore the balance back to the limit they agreed to maintain for my credit line. I paid them and they restored the balance. fast forward to XX/XX/XXXX as  of today ( XX/XX/XXXX ) I have been informed that they are performing the exact same predatory practice as they previously did 1 year ago. My balance is again around XXXX and they have just lowered my credit limit to XXXX in the hopes of extorting a lump sum payment from me. this in general raises concerns about what my true credit limit is if they are uncomfortable with my balance coming within 75 % of the total limit. it takes me a year to spend a few thousand on the card, my spending is consistent and i have never missed a payment. This is financially abusive especially in this time where unemployment is at an all time high. This is unacceptable and must be rectified. 

there are times when credit card lenders will do this and " chase a balance '' but to do so two times in one year is simply predatory and abusive by the very definition of the word.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Submitted a first time home buyer application from last XXXX to XXXX XXXX of Bank of America on XXXX XXXX in XXXX Ct. 
She has been giving me the go ahead to find condos in a specific price range, indicative of inexpensive HOA fees. 
I believe I am racially discriminated, they initially intended to forward my application to a XXXX XXXX mortgage personnel because she deals with low income loans. 
Now, I am being punished, every condo I try to close on, she throws it out and I have to inform the seller of my misfortune. 
Just Friday, XX/XX/XXXX, she ran figures with me and distinctly told me to find a condo within a specific price range, today XX/XX/20 found just that and informed her, and she did not speak/ call me all day ... almost end of day, very impersonal, emailed to say the numbers wont work and boldly sent numerous emails stating she misinformed me. She mocks/ disregards me at her leisure. 
Complained numerous occasions to her manager XXXX XXXX, and still no resolution. 
I believe my rights and privileges are violated and disregarded as an XXXX XXXX  female. 
XXXX. Found a condo in an undesirable area, she XXXX XXXX told me to put up beautiful pictures, so I dont have to look outside at the guys that hang out on the corner! ) XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

I purchased a laptop computer from Best Buy in XX/XX/2021 and it supposed to be delivered by XX/XX/2021. While I was at work I got text saying your package is delivered but I called roommate a the time and checked out and said there is no package. I contacted Best Buy support multiple times and they said they going to reship in first call after XXXX weeks I called again and they said we will refund however it so long and I went back to visit my parents. I got an email saying you have report to police. I filed dispute with Citi bank but I didnt got anything back. I did apply XXXX claim and they sent me a copy of signature just a dash that I didnt signed on it because I was working at the time.
Consumer complaint received 2020-06-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Braviant Holdings, LLC (MD)

On XX/XX/XXXX, someone used my e-mail address to commit fraudulent loan stacking with XXXX XXXX XXXX online. One of these companies, D.B.A. " Balance Credit '', out of XXXX, TX still has not stopped trying to collect. I get e-mails almost every day from them even though all of the other loan agencies stopped immediately. None of the loans appeared on my credit report, so I did not file a police report. Balance Credit will not stop e-mailing me unless I provide a police report, so we have been in an annoying back-and-forth for weeks. They are not getting money from me because I owe them nothing, yet they continue to harass me.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ERC (CO)

I opened a XXXX XXXX credit card account and made one purchase in I believe XX/XX/XXXX in the amount of approximately {$130.00}. This is all approximate because I never received a statement. Not one. I did receive the credit card so I know that XXXX XXXX had my correct address. In early XXXX I received a letter from ERC stating my XXXX balance was unpaid and had been placed with them for collection. Amount due being {$330.00}. I was shocked because I always pay my bills on time and then I realized I never received any statements from XXXX XXXX. I sent a letter to ERC on XX/XX/XXXX requesting more information about this, following the instructions given in the ERC letter for requesting more information. After not receiving anything I sent another letter on XX/XX/XXXX, again requesting more information and requesting a response by XX/XX/XXXX. I have not received a response. I called XXXX in XXXX and they told me because they had given this account to ERC there was nothing they could do, I had to deal with ERC.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACCOUNTS ADVOCATE AGENCY (PA)

I spoke with a representative from Accounts Advocate Agency in XXXX PA but to inaccurate credit reporting. I politely informed this representative that that I am disputing the account. I requested they delete the credit reporting while under dispute. She because extremely rude and nasty and was accusatory regarding my dipsute. She also made claims that her note documentation on the account meant that my dispute was not valid. There are no parts of the FDCPA that allow a collection agency to reject a consumers dispute based on the agencies notes. The FCRA allows for consumers to dispute accounts and the reporting agency is required to validate the balance. With that being said, the money is not owed to the reporting agency so there are damaging my credit based on the word of one of their clients.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One charged too much APR interest and never reported the good standing of the account until things went down hill and they reported the good and bad at same time. I had a XXXX XXXX in XXXX   and wasn't able to get in contact with them. When I checked they had put lots of late fees and put I used the credit over 100 % with the intention to hurt my credit more than the usual. I feel they want to defame my name to other creditors who can see my credit report and also feel they want to take control of my identity. I strong believe this bank broke the FCRA law in all kinds of ways. Pictures are attached for proof. Please help.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX 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 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Hello, I am a XXXX XXXX XXXX that has my XXXX XXXX XXXX My primary bank was XXXX but I decided to close my XXXX and move on to Chime since I heard great stuff about them. I received a direct deposit on Chime for {$500.00}. Prior to receiving this deposit I already had $ XXXX dollars in my account from transferring my balance from cashapp. I got hit with a false chargeback causing a payment reversal on my chime. A day later I get a email from Chime saying my account is closed effective immediately and that I wont be receiving MY money that I earned. I got on phone with customer support. I messaged them on XXXX, XXXX XXXX XXXX and got no response. XXXX not sure how to move forward at this point. That money is ALL that I have. I live alone and thats what I use to pay rent, feed myself and pay my school fees. I have no one to depend on. I am basically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MN)

I was shopping at XXXX  on XX/XX/21 and left my purse in the cart or at the register. After putting away my things after noticing I didnt have my phone I ran back into the store to try to find my purse which had my phone, cash, ID, house keys, etc. 
I immediately went to security and let them know that my items had been stolen and we went to look on the camera. We could see me at the register and putting my phone and purse on top of the shelf nearby to ring up my items and than I walked off in that same instance someone else walked behind me and grabbed my purse immediately and walked off. 
Soon after I seen this I logged into my chime from my friends phone to disabled my card and noticed this person sent someone money one for {$1000.00} than a XXXX XXXX to someone else for {$150.00}. 
I wasnt able to cut off my phone till I got to a store but once I was able to do that and finally get a hold of chime i cancelled the debit card connected to my XXXX XXXX 

I contacted my back right away they acknowledged that it was fraudulent and issued me a new card. Right after getting off the phone with them not even sending in the documents they requested they denied my claim automatically. I sent in a lot of proof including the police report I filed. This is not the first time chime has done this to me and Im not very happy about this because this was a lot of money
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX XXXX  card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( XXXX, Equifax, and XXXX ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of XX/XX/XXXX.
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (ID)

" Wakefield & Associates '' out of Colorado contacted me on XX/XX/2020 at XXXX MDT, over the phone. I asked them for information so I could go ensure they weren't a fraudulent caller ( their companies name, mailing address, etc ) and then looked them up before calling their XXXX number at XX/XX/XXXX XXXX MDT. 

I spoke with a gentleman and requested they send me a written debt validation notice, as I had not received one up to that point. I turned out they had the wrong address, so I provided them with my updated XXXX and was told they would send me written verification. 

On XX/XX/2020 I received a call from XXXX from " XXXX '' who identified themself as a employee of Wakefield & Associates. I informed XXXX I had not yet received a debt validation notice after my previous conversation with them, and they told me that there " had been an address correction '' though " they had not yet sent a validation notice ''. It's been well over 5 days, going on 30. I told them I feel they have not acted in good faith and that I want my written validation notice as is my right ( under the FDCPA )
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, DISCOVER BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2023-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-11-30
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. (GA)

I have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all 3 credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (AR)

I sent LexisNexis a letter asking for their method of verification for the Bankruptcy that they reported to the Credit Bureaus that is listed on my credit reports. I simply want LexisNexis to tell me how they obtained the Bankruptcy information they reported to the Credit Bureaus. I called LexisNexis about a week ago to see what the status was, and they informed me that they had received my letter, and they are waiting for a response from the source they used to obtain the information. LexisNexis received my letter on XX/XX/2021, and all they had to do is tell me where they got the Bankruptcy information from they reported on my Credit Report, which they should already know, it does not take over 30 days to do that! the tracking USPS number that proves LexisNexis received my letter on XXXX is, XXXX. Once again LexisNexis, I'm asking for your method of verification please, how did you obtain the bankruptcy information you reported to my credit reports? 
My drivers license and social security card is attached in the uploads for proof of identification.