davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK USA/TARGETCRED card was opened under my name on XX/XX/2023 for {$120.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (MD)

Contacted me " The law offices of Frederic I. Weinburg & associates, P.C. as a debt collector '' about a debt supposedly owed to XXXX XXXX XXXX XXXX XXXX' They do not have a NMLS in my state. They only practice in pa, NJ and CO.
Consumer complaint received 2023-12-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nae-Mo Corp dba Matthews & Michaels (TX)

This person XXXX from MATTHEWS & MICHEAL or XXXX debt collector or skip tracing has called me so many times. 4 times this morning XX/XX/XXXX. Before XXXX. 
She called over 19 times on Friday XX/XX/XXXX. I asked her to stop calling because I dont have possession of the vehicle. She then accused me of living in the car and said she would never stop calling me. She called over 9 times on XX/XX/XXXX. Over 5 times on XX/XX/XXXX. I told her to stop calling XX/XX/XXXX and she continues to call my family. My ex husband. My brother. Harassing them by calling 5-10 times back to back. I want to Sue this company for harassment and I have proof.
Consumer complaint received 2023-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (OK)

First I called Im XXXX asking how much I stilled owe and was told and the amount was twice the amount I had borrowed. When I applied I did not realize the interest rate at that time I gave them my bank account and routing information for monthly payments after 2 months changed payment route to debit card in XX/XX/2033 had trouble with my card did not make payment in XXXX did not give them permission to take payment out of my bank account XX/XX/2023 they hit my bank account for payment that I did not give them permission to do at this time I am in a bind fixed income and can not afford to pay double on a loan I have paid back fulll amount plus at this time
Consumer complaint received 2024-04-15
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (FL)

I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX  monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.
Consumer complaint received 2023-12-25
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BANKERS HEALTHCARE GROUP LLC (UT)

I have been repeatedly texted two to three times a week including an email was sent to me in XXXX XXXX stating the amount I owed. This emails, phone calls, voice mails and especially the text messages are extremely overwhelming to me as it doesnt stop.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

Chase closed my account for no reason and wont tell me why. However I had a balance of just over {$480.00} dollars in there. They advised a check would be sent out. This check was never received so I requested a new check to be sent out 4 times. They keep telling me a new one would be sent however theyre not giving me a date on this. Its now been 2 months since the account was closed and still not received my funds.
Consumer complaint received 2023-12-27
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. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. 

I want these items Deleted from my credit reports, effective immediately. I am attaching proof that XXXX has done nothing. 

Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

n 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. 

Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX- Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX  Account name XXXX XXXX XXXX  Account name 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-12-27
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

I purchased a {$200.00} vanilla gift card in XX/XX/2023 form XXXX in XXXX Tx. I tried to use the card later that night and noticed the last 4 digits was scratched off I contacted Vanilla immediately. Customer service was able to cancel the card and I sent all the information he requested. Ive been trying to get a refund for over 6 months now. Ive called every month and they constantly tell me the card is going to be sent out. Ive sent everything they requested. Copy of the gift card, receipt of payment, bill showing my address, and copy of drivers license. I dont know what else to do.
Consumer complaint received 2024-04-15
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (VA)

I had a XXXX XXXX account submitted to XXXX XXXX XXXX. I entered into a payment settlement offer with that company to resolve the XXXX account balance. The agreement was entered into on XX/XX/, and was if I paid {$1300.00} the account would be settled in full. I made the payment for the settlement amount directly to XXXX XXXX XXXX. However, on XX/XX/, XXXX sent the exact same debt to a different collection agency, McCarthy , Burgess & Wolff , Inc . I spoke with XXXX and they said the account is closed on their end and should be reflected in XXXX 's records as paid since it has been paid for 2 months. I have tried calling XXXX and have not gotten any assistance. This account is still being reflected on my credit report as outstanding despite the fact that it is paid and closed. Can you please assist.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation (TX)

I downloaded the Albert app about a year to try with a free trial. However when the free trial was over I did not want to continue using this service and cancelled the account. After I cancelled they charged my checking account {$14.00} for the subscription without permission. I have sent email after email stating I do not have an account with them nor do I want one and I have demanded over and over again that they stop charging my account. I have not received a response from them and even after all of this time they attempted to charge my account again today. While looking online trying to find a way to make them stop I have seen many people having the same problem with this company. I do not understand why nothing is being done to stop this business from stealing peoples money.
Consumer complaint received 2023-12-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TN)

I had a loan through Kia Finance America for a XXXX XXXX XXXX : XXXX ; Account : XXXX The car was involved in an accident and totaled on XX/XX/XXXX. My insurance company paid {$45000.00} on XX/XX/XXXX leaving a balance of {$15000.00}. At this time, I continued to make payments and when my XXXX insurance made a payment of {$16000.00} on XX/XX/XXXX, my balance had been down to {$14000.00}. This left a surplus and an overpayment of {$1900.00}. 

I have contacted Kia American over and over, via phone to the customer service department, asking for a refund at which they assured me that they would make a request for the refund. I have not received the refund and it is now the end of the year. I called Kia of XXXX dealership, where I purchased the car, and they advised me to sue Kia America. Before I do this, I am asking if you can step in and assist me in getting this refund before pursuing legal action. 

Thank you very much in your help in this matter. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2023-12-24
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc. (FL)

AS YOU CAN SEE THIS COMPANY ISN'T REPORTING XXXX, ALSO REPORT DATES, OPENED DATE AND PAYMENT DATE INCORRECT. 

Account # : Account Type : Account Type Detail : XXXX Revolving XXXX Revolving Charge account Charge account Bureau Code : Individual Individual Open {$0.00} XX/XX/XXXX {$0.00} Account Status : Monthly Payment : Date Opened : Balance : Open {$0.00} XX/XX/XXXX {$0.00} No. of Months ( terms ) : High Credit : Credit Limit : {$24.00} {$750.00} {$0.00} {$0.00} {$750.00} {$0.00} Past Due : Current XX/XX/XXXX Charge Amount in H/C column is credit limit XX/XX/XXXX XX/XX/XXXX Payment Status : Last Reported : Current XX/XX/XXXX Comments : Date Last Active : Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

According to Nelnet, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because Nelnet reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is XXXX.
Consumer complaint received 2023-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

I received a debt collection notice from XXXX XXXX XXXX XXXX, on XX/XX/XXXX. 

I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from Crown Asset Management.
Consumer complaint received 2023-12-23
Product: Credit 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: CITIBANK, N.A. (NY)

Company scammed customer. Bought tickets from a company and was allowed entry with 1 hour left because it was oversold. Stage was not built like the advertisement so it was false advertising. Because they failed inspection it was late too. Also because they denied entry people broke the barriers and ran through the barriers causing a safety hazard. 
These are everything XXXX had but still happened : XXXX XXXX had all the necessary equipment, materials, supplies, suppliers, vendors, labor and personnel to handle all the maintenance, construction, and build out for XXXX XXXX design and infrastructure like the stages, seating, bathrooms, and concessions, XXXX XXXX would pass all inspections and tests done by the City and other agencies or regulators ; XXXX XXXX would receive all the necessary permits and approvals by government agencies and other authorities to take place as scheduled ; XXXX XXXX would not be oversold or exceed capacity ; XXXX XXXX capacity and crown control would not violate, and comply at all times with, XXXX XXXX  XXXX fire codes and other capacity and safety rules and regulations applicable to XXXX XXXX concerts or festivals ; that everyone with a valid ticket would be able to attend and/or access XXXX XXXX XXXX and XXXX had oversold their shows. '' Also added a bunch of links to showcase what went wrong XXXX XXXX XXXX https : XXXX https : XXXXXXXX and https : XXXX https : XXXX https : XXXX
Consumer complaint received 2023-12-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TH Professional & Medical Collections LTD (IL)

They will call before XXXX amd at XXXX Repeatedly thought the day as well. 

None stop calling. I'm almost to the point of changing my number. 

Some if this debt is old Told them this was harassment and they laughed. 

Also the dept thats owed should of gone through my insurwanx3 that's pay for everything.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (TX)

The account XXXX was sold but still reports a balance. I know that reading my credit report XXXX/GRNSKY/XXXX  says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (TX)

The account XXXX was sold but still reports a balance. I know that reading my credit report TRUIST/XXXX  says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Consumer complaint received 2024-04-15
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I applied for a Balance Assist loan with Bank of America and I was denied. The reason for the denial was " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file bankruptcy. '' I have never had an account with Bank of America discharged in a bankruptcy. In fact I've been a loyal customer with Bank of America since 2015. My daughter had a credit card with Bank of America that I was an authorized user on and she filed bankrutpcy. I should not be held liable for that. I do not have an intent to file bankruptcy so there is no way the company received this information about me.