davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (MN)

I received a Destiny Mastercard credit card in the mail in XX/XX/year>. I did not recognize this card or have applied for it. I did not activate it & planned to reach out to the company to ask why I was sent a credit card. 

On XX/XX/year>, I get an alert on my credit report of a new card/account under my name & social security number with a {$170.00} charge. I call the customer service number to put a block to the card. 

XX/XX/year>, I call customer service to ask why I received this card & why there is a {$170.00} charge on it when I did not apply for this card or activate it. There should not be a charge on an unactivated card. They send me to fraud protection & ask if I had opened any other accounts. I said, yes I opened a XXXX XXXX XXXXXXXX credit card in XXXX & they said they will investigate & let me know what the response in within XXXX days. I requested the card be closed & removed from my credit report & the customer service rep said he can not do that because of the investigation. 

I have the call recorded & after a simple search this company has a history of bad practices with credit cards to consumers. Others have reported the same, receiving a card that they had not applied for with charges they did not consent to & no resolution after " investigations ''
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX and I am submitting this complaint without any influence from any outside sources. Please make sure you open my attached documents as it contains my request and all proper identification.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Name : XXXX XXXX XXXX XXXX XXXX Date of XXXX ID Type : State ID ID XXXX Address : Chex Systems , Inc. 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report. I NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX Account # : XXXX Routing # XXXX I don't recognize the following accounts in question. I`m a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Chex System Report Immediately! I've attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I deposited XXXX XXXX XXXX settlement check into my checking account with USAA on the XXXX of XX/XX/2024. Initially everything was smooth, until I withdrew XXXX from a ATM on the XXXX of XXXX. They then deemed my check fraudulent. The fraud department stated my check 's routing number was from XXXX XXXX  and the account number was XXXX. I uploaded the cleared check from XXXX my lawyer gave me and they still have my account frozen. I filed a discrimination complaint internally with the bank and no one has reached out to me. I feel as if I'm being discriminated against for being a minority
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MD)

TD BANK XXXX finance updated their website. I tried to sign on to pay my account, but it would not allow me on XXXX the XXXX the due date. They were closed the next day and charged a late fee of XXXX. They could not remove the fee unless I paid off the balance.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have had an American Express XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed. Upon completion of payments, it was agreed that I would regain membership, I had to speak to the CEO of the company via written request because after completing the paper application I never got the membership. After months of correspondence, I am no longer interested in the offer to what was given however I would like to have my status updated with each bureau. It is currently states as " Paid, Charge-Off '', if I understand correctly, Charge Off means " the lender or creditor has written the account off as a loss, and the account is closed to future charges ''. This is not the case because I have in fact Paid this account in it's entirety therefore there was no loss. I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed as it affects my ability to grow with other lenders.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC (IL)

RoundPoint Mortgage Servicing LLC XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX The loan was paid in full in early XX/XX/year>. There was an overpayment of approximately {$500.00} made. After several months, several calls, and emails, and reaching out with my updated address, the check has not been received. 

I am unsure where to go from here to receive my money and the company is not responding or taking action. 

Any assistance would be appreciated.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MI)

On Monday XX/XX/XXXX, I was informed by my renter trying to XXXX me that citibank XXXX was rejecting the $ XXXX payment. I got an email from Citi saying my online user ID has been blocked for my security and I should speak to Citi. I spoke to Citi that afternoon at XXXX XXXX  for XXXX hour and they said the matter will be resolved in XXXX hours. On Tuesday, XX/XX/XXXX, the renter tried again but again the XXXX  was rejected. I spoke to Citi again for about XXXX hour Tuesday afternoon, and they pointed me to the fraud department. Fraud could not explain to me what was happening and said wait another XXXX hours. On Wednesday XXXX  I spoke to Citi for another hour and my Mom who is a citi XXXX XXXX linked to my account spoke to them for XXXX minutes. They said they can not help me or tell me why but my account has been closed and they can not reopen it. I asked about the final transactions to understand which payments made it out or in including mortgage payment and utility bills. They couldn't give me an answer. I asked about my funds- they said they'll send it to me between 30 to 60 days! If I wanted it sooner, I could visit a branch. The closest branch to me is XXXX hours away, since citi closed many branches over the years. They also told me " thank you for choosing Citi ''. I laughed- you just closed my account without explaining why, please don't say thank you for choosing Citi XXXX I hope no one I know ever chooses Citi! They said " anything else we can help you with? '' I said please give me cash so I could pay my bills and my babysitter! Depending on which transactions went through, there's at least XXXX available, including a direct deposit from my workplace for XXXX on XX/XX/XXXX that citi didn't reject. A week has gone by, an ACH withdrawal dated or XX/XX/XXXX got sent back to me for nonpayment with a {$20.00} surcharge. I am stuck with many bills, no accessible cash and a very unsympathetic and taciturn bank who I loyally entrusted my funds with for 15 years.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

This is in response to Fair Collections & Outsourcing regarding complaint # XXXX. Fair Collections & Outsourcing mentioned that the account was placed with their office by creditor XXXX XXXX and that the Creditor retains ownership of the account. Lets secure the account under their Reservation or yours. Due to default, the account is lacking respect to material disclosures for a particular transaction permitted by law. Lets make this a Genuinely Exclusive Dealing to establish conformity to take things further for their or your commercial purposes to secure the account for its Nature thats permitted by Law. The Credit report is reflecting a debt, which is a Misrepresentation of the Amount and Nature of the Account. That amount is Unsecured Credit thats ready to be confirmed. Lets secure the transaction with full performance bringing forth security making this effective satisfying any provisions to meet the terms and conditions for use of the existing account.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (MS)

Company is in violation of federal law 15 U.S. code 1666b ( a ), which states that a creditor may not treat a payment on a an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

The negative rating on my account is a source of great distress. I'm extremely concerned about its effects on my credit standing. It has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until this matter is resolved.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CT)

I sold a vehicle to a private party in XX/XX/XXXX. After selling the vehicle I cancelled the registration and insurance a few days later. The vehicle was then involved in a motor vehicle accident 2 years later, on XX/XX/XXXX. XXXX claims I am liable for damages as a result of the XXXX accident and AFNI has been calling me and sending collection letters to me on XXXXXXXX XXXX behalf. I have spoken to representatives at AFNI on several occasions and emailed them proof of the cancelled registration/insurance, twice. On a follow up phone call, they claimed my name was cleared from the claim, yet I continue to receive threatening letters from them.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I called CMRE Financial Services to understand more about a debt that needed to be paid. My understanding was that the debt amount was XXXX, but they were trying to collect on XXXX instead saying that the principal amount grew to a new amount because of interest. When I questioned what this interest rate was or how it was assessed on medical debt that did not have an interest rate, they could not tell me how or explain what it was. They said it's just what was in the system and the new amount was XXXX.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I received a text and XXXX emails from Chime. I saw the text first and labeled it spam, deleting it. The first email ( from Chime at XXXX ) said that Im one step away from XXXX XXXX! and that my XXXX XXXX application is almost complete! asking for me to set up a direct deposit of {$200.00} - then a new card would be mailed. The second email ( from XXXX, Chime XXXX at XXXX ) an hour later said Welcome to Chime! Meet your new Chime account. I never knew Chime existed before these messages. I have not applied for anything with Chime. My credit report is locked, I pay for credit monitoring through XXXX and no new account is showing YET. There is no reply email or email for Chime that I can find on their website yet to contact them directly, but clearly someone has used my phone number, email and name to open an account. What do I do next?
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

So around last year my chime account was hacked and i was logged out of it and it say my password was incorrect so the next day i went to login and my account was locked due to suspicious activity it asked me to send XXXX forms of id which and askrd me to send proof of ownership of a linked debit card XXXX i told them i had no knowledge of it and think my account was hacked i sent the XXXX forms of id thought. They then responded XXXX kept telling me i had to provide proof of that card and i told them it isnt my chime debit card or my card my account was hacked and i need them to refund my funds so then they quit responding to emails for months and i rmailed them again XX/XX/XXXX and they didnt respond so i was waiting for a check it never came and i had over $ XXXX in my account from my sons XXXX check. So yesteday XX/XX/XXXX i called and they told me to send XXXX proofs of id and explain how my account was hacked i emailed them and did both then they asked for that card ownership proof again i told them i cant provide proof of the hackers debit card they said well unfortunately we cant reopen or refund ur account and hung up on me i called again they said the same thing i told them XXXX suing they hung up i just want my money back i told them if they are fdic insured i should b getting my money back .. i feel like this was just a scam for a CHIME EMPLOYEE TO STEAL MY MONEY
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference XXXX XXXXXXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

To whom it may concern, I, ( XXXX XXXX. ) never gave ( Comenity Bank/Victoria XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.Nor have I ever been in a agreement or contract with them. My privacy is being breached! I DID NOT AND DO NOT CONSENT to you ( Comenitybank/victoria ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party, 15 USC $ 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : ComenityBank/victoria XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX "