davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (NC)

I have about 10-11 hard inquires on my credit report from someone in Texas using my information to try and buy a car. They are using my information as a co-applicant on the loans which have been denied. I need to get these off my credit report and let it be known that someone has my information in Texas. I live in North Carolina. 

XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 Carmax Auto Finance XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
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: Early Warning Services, LLC (CA)

Zelle are trademarks of Early Warning Services , LLC for which I'm complaining about both companies to the Consumer Protection agency, the State Attorneys, the FTC, and every governmental institution out there can read my case/complaint. 

As part of account opening and services provided to the client, a Credit Union/Bank offer customers, Zelle services . These Service come within the agreement to be gargantee for the customer as part of the transfer money services and free of charge. On my most recent account opening experience and enrollment in Zelle I've noticed the company ( Zelle ) had flagged my emails ( Use within Zelle ) preventing me from even using Zelle or even changing them so I can enjoy my account services to its fullest. It was brought to my attention my account was not getting unrestricted despite severals attempts from my Bank to request the removal of the restriction to Zelle services. My Bank had told me Zelle is not un-restricting my account due to Fraud being reported on previous account ( that used those emails ) which rises so many questions. 

What does fraud report for specific transactions ( not involving Zelle ) has to do with my ability to use Zelle on a new Bank account? 

Why is Zelle acting as a Bank when the actual Bank is requesting the un-restricting status to my emails? 

Why is Zelle ( a paid service by the Bank ) restricting customers to use it Services when they getting paid by the Bank as a XXXX party and their services are free for the customer? 

All in all, my meals address XXXX XXXX are restricted because Zelle decided to use filters that reads consumer reports from Early Warning to weather or not decide the transaction goes through or not, a direct violation the the Bank policy, acting as a sole Bank and restricting services. 

All this information was provided by my Bank and they claiming Zelle for not allowing me to use its services within my Credit Union account DESPITE THE FACT I have Zelle in XXXX other Bank accounts I won't be disclosing here.
Consumer complaint received 2023-04-28
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. (IL)

This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

I can't withdraw any money out of my bank account, they locked my account for no reason, I have called TD Bank customer service 6 times to get my XXXX and external transfers to unblock, but I get the same message back, wait for 48 hrs and it will be unlocked but it never gets unlocked.

I literally have no access to my $ XXXX funds, and they even charged me {$25.00} for a " maintenance fee '' at that time as my balance was less than $ XXXX. Why would I deposit more money into such a bank?
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

Jefferson Capital Systems is showing on my credit report. I have never heard from this company after several letters being sent. There are account numbers listed as XXXX and XXXX. 

They have broken several laws under : Fair Debt Collection Practices Act, Fair Credit Reporting Act, Gramm- Leach Bliley Act and Fair Credit Billing Act.

This must cease immediately.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NC)

I mobile deposit my tax refund check that I received into my Chime account. I called about the funds being released for emergency and was told I would have to wait five days. I asked if the fans will be released once the check got verified by the government and was informed that no still would not, the time employee stated that there was no one else I could speak to about my funds and it was nothing that they can do. On Friday, XX/XX/XXXX the fifth day I called about funds been posted and was told that it will be done in a few minutes. Two hours later, I called back and was told that it will not be available until this evening on Chime website states that they will not hold tax refund checks.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX  XXXX  ) to verify a public record. My XXXX  XXXX  credit report is frozen yet they claim to be using them to verify this public record below. XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet Equifx keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I opened an account with Synchrony Banks Lowes Card when I purchased a home. Roughly a year ago, in the last months Synchrony has done multiple pulls on my credit which has not only affected my credit but they have now closed my account. I have paid on time all but one month, which was a small amount early on as I did get the dates of payment and statements mixed up, but was quickly paid back with a late fee. Other than that my payments have been on time for the thousands of dollars that have been spent there over the course of the year. The pulls of my account have been in succession and the first lowered my credit balance to less than 20 % of what it was at. The second closed the account entirely without no notice, dispute or acknowledgment of previous payments. Furthermore they would withhold available balance for weeks after payment was made without prior warning or reasoning. 

After discussion with others it seems they have done a large scale clearance of accounts with the exact same description. They are purposefully and thoughtlessly changing the course of peoples lives, affecting individuals credit scores for their own financial gain. As the economy may continue to worsen, companies that have control over something as financial manipulating as credit is, seem to push their narrative at no thought to the consumer of their product. They need to understand the importance of an individuals ' credit should not be damaged as a way to for their company to XXXX. Opening a line of credit with a bank to use in the right way should not be punished because they are not profiting at their highest, the use of credit manipulation by larger banks to welt individuals from growing has to end and needs to start by companies like Synchrony being liable for their actions.
Consumer complaint received 2024-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (VA)

My father, XXXX XXXX, passed away on XX/XX/year>. It was unexpected, and as such we did not have many account numbers, etc. of his assets. After becoming executor of his Estate and the personal rep, which was a long and difficult process, I learned he had a TD Bank CD and checking account. I have been trying to close these accounts and get the money from them for months now. Over the phone, they told me I have to come in person to a bank to provide the required documentation. Note -- NO other banks required this, and I was able to successfully provide the documentation to a fax number and receive certified checks from his other banks -- - like XXXX and XXXX XXXX. However, TD would not budge on this. The closest TD to my house is XXXX hours away, and I have XXXX small children. So I made an appointment at a branch in NJ when I was on a business trip there. I went in with all of the documentation that was required, and was told it was not good enough. I had the ORIGINAL document from the probate court, with the stamp stating it was an original, and TD bank told me it was not what they needed -- they needed an original document where the stamp " puffed up. '' I asked them if they were saying I needed to go to the court in Florida ( where my father 's Estate is probated ) and ask them why they didn't provide the correct stamp according to TD 's policies, and they said yes. I live in Virginia, and again, I have XXXX small children. At this point they are holding my father 's money hostage and are greatly inconveniencing me after an extremely traumatic event for my family. I am an XXXX  for another bank and we would NEVER treat our customers this way, especially our customers who have lost a family member. They also never got back to me after I requested legal review of the document I provided ( because I am an attorney at a bank, I know that it is a legally acceptable document ). I will now I'm sure have to drive hours out of my way again to try to obtain the funds from my deceased father 's accounts that the Estate is entitled to, all with XXXX small children who have just recently lost their grandfather.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MD)

This complaint in relation to a Credit Card account with XXXX XXXX. 

I requested to close the account back in XXXX of XXXX. My records show that the account was closed as of XX/XX/XXXX. I then received a notification that late payments had been reported on my credit report in early XXXX. They stated the account was Levied with a {$2.00} interest charge dated for XX/XX/XXXX. After back and forth disputing with them, I paid the now additional interest that accrued on the {$2.00}. that total was now {$100.00}. I paid that amount on XX/XX/XXXX. I requested that the account be closed immediately. I was assured it would be closed. I was then issued a {$2.00} refund on XX/XX/XXXX. However, today I received a notification from my credit monitoring company that a new account had been opened and that there was a reported balance of {$2.00}. I logged back into the system and see that here is now a Minimum Interest charge added, dated XX/XX/XXXX.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (NY)

Please see attached Validation letter. 

On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to January Technologies LLC XXXX XX/XX/2023 requesting for validation of this debt from XXXX ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g. 

On my Debt Validation Letter, i asked them to delete this Account from XXXX  off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

Credit card Im my name was acquired fraudulently and debit was sold to LVNV Funding collection agency. Spoke with representatives at LVNV and had dispute filed through a credit repair company. I also disputed the account with all 3 bureaus and the dispute met all FCRA requirements. This company is still harassing me for payment and refuses to remove the negative account from my credit reports.
Consumer complaint received 2024-05-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Card Receivables Fund Incorporated (GA)

IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb 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 INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (WA)

I requested " copy of application and business transaction records in the control of the business entity evidencing any transaction alleged to be a result of identity theft '' [ FCRA 609 ( e ) ( 1 ) ] and submitted my request " in writing [ FCRA 609 ( e ) ( 3 ) ( A ) ], and sent it to an " address specified by the business entity '' [ FCFRA 609 ( e ) ( 3 ) ( B ) ]. I included a copy of my driver 's lisence as well as police reports and an indentity theft report from ther FEderal Trade Commission as per FCRA 609 ( e ) ( 3 ) ( C ) ( i & ii ).

They responded by sending only a list of items bought fraudulently and have refused to divulge other documents guaranteed me by thye FCRA. They claim a subpeona is needed despite it clearly not being a requirement per FCRA 609 ( e ) ( 1 ) ( A, B & C ).
Consumer complaint received 2024-05-17
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: GOLDMAN SACHS BANK USA (TX)

I entered an agreement with a XXXXXXXX XXXXXXXX XXXX XXXXXXXX, on XX/XX/XXXX for sales support, at the amount of $ XXXX. The company did not live up to or honor their agreement, and I cancelled the service on XX/XX/XXXX, when I received out of office replies to my inquiries on XX/XX/XXXX. 

The $ XXXX payment was setup through AppleCard/Goldman Sachs, and I began the dispute process on XX/XX/XXXX. I provided Goldman Sachs all email correspondence and documentation. I NEVER received anything for the payments ( {$600.00} ) XXXX received. Goldman Sachs provided me a temporary credit, but later reversed it, stating that their investigation contradicted the documents I provided. I filed an updated dispute, which was reopened with Goldman Sachs on XX/XX/XXXX. My account went into 30-day collections during this process. 

XXXX has not provided me deliverables for the {$600.00} debited to my account and Goldman Sachs says " Your Apple Card transaction dispute investigation is complete and the merchant charges will remain on your account.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (FL)

I had a XXXX balance for several months, was issued the card XXXX years ago ; I inquired about the promotion they kept sending e-mails and mail about. I also asked to apply for a lower XXXX since my credit is great and I'd never been late on a payment. They said you need to use the convenience check-without explaining a XXXX % fee to utilize the promotion. I originally used the promotion when I bought a refrigerator from XXXX in 2014 or earlier, there were no fees. I just made the check on Tuesday XX/XX/XXXX for a XXXX bill. Today I checked my account to see when a payment would be due, well payment due on XXXX XXXX with the added XXXX % on my balance. I called them a third time to try and clear this issue, no way and no reduction of interest rate-currently XXXX % when my credit score is XXXX. 
I told them these were unfair financial practices since they advised me to use the check without explanation of fees in order to utilize promotion. I told them I wanted to cancel because I have cards with lower rates or XXXX  % on a XXXX or XXXX bill. I don't think I owe them XXXX  %. By the way it's a Citibank Mastercard.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AL)

I was shopping for cheaper car insurance and switched to XXXX on approximately XXXX. When reviewing the documentation, I saw reference to how they arrived at my rate, which was pulled from LexisNexis- it showed an at fault accident on XXXX. I was involved in an accident on that day, but the other driver was ruled completely at fault. I have attached XXXX files showing both the information on the report and a copy of the actual police report from the accident showing me not at fault. 

I have requested a copy of the report from LexisNexis in order to dispute the incorrect information. Their automated email with access to the report did not work, and the toll-free number never let me reach a human, it only pointed me back to their web site. It's impossible to get in touch with anyone to get the process started, much less resolve a dispute. 

I have sent the accident report directly to XXXX and they refuse to accept it, instead referring back to the LexisNexis report. The inability to successfully contact anyone at LexisNexis is what prompted me to file this complaint.