davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC (CA)

On XX/XX/XXXX I signed up for this service based on seeing some videos on XXXX and reviewing customer feedback. 

By XX/XX/XXXX I had had my initial consultation with the agency. Upon the time the call was set to start no one reached out. XXXX, a supervisor who is no longer with the company for deleting data and defrauding customers per the CEO, was let go and has charges pressed against him. 

XXXX never submitted my data, deleted my data, and every time I called in over the last 90 days I was told to just call back and they would review it and set up another consultation. I was lied to every step of the way. 

Last week, I called in to file a complaint with the company, and spoke to the Director XXXX, who promised me that my data was submitted and they had it in their systems, and would scan it and email it over to me the following morning. He never did. 

I ended up writing XXXX on XXXX and XXXX to explain the situation. He was able to call me the next day and express his deepest apologies for the absolutely horrible service, advised me on the ongoing charges and why he fired XXXX. He promised to make things right and personally handle my claim. He advised he would follow up the next day, and never did. I called in, and was told he would call me the following day. He never did. I sent several emails to him, no reply. On friday, XX/XX/XXXX I was told I would get a phone call from him today, I advised I would be filing a lawsuit and passing this on to my Attorney XXXX XXXX. He followed up again over XXXX to advise he would be in contact with me on Monday, today XX/XX/XXXX. He never called. 

I called in to speak with him and got XXXX, the XXXX who told me to file a lawsuit. 

This company needs to be investigated for fraud and mishandling of personal information. Will be filing a complaint with the Texas AG as well. 

XXXX, you had every chance to make this right, and I am sorry you didn't follow through with your word. I told you several times I did not want to go this route.
Consumer complaint received 2022-08-30
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: Bread Financial Holdings, Inc. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have submitted a previous complaint about this alleged debt. 
The original creditor stated that the debt is owed yet has provided documentation that DOES NOT support the charges they assessed. The document provided shows charges owed by a completely different person. This debt needs to be removed as soon as possible per FCRA compliance. 

I have attached the documents they responded to the last complaint with.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Im banking with chime. On XX/XX/22 I paid my rent {$800.00}. On XX/XX/22 XXXX ( Who I pay my rent to ) deposited {$800.00} In my account. I never received an email, phone call or text from anyone at XXXX  or the actual rent office, so I started spending the money. Around XXXX on XX/XX/22 XXXX charged my account for {$800.00}, twice. XXXX is saying they have no proof. So this is when I called Chime customer service and they let me know they did in fact charge my account. ( Conservice is also asking me for proof with my bank ) Ive talked to the people at chime over 5 times and each time they all tell me that they do see the charges and they they are escalating the issue to upper management they told me that I shouldnt have to wait on the ledgers Ive asked and emailed about. I started this process on XX/XX/22 and I still havent heard anything yet. Please help me. Were going to be homeless if I dont get that ledger.
Consumer complaint received 2021-05-20
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)

XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to XXXX, Transunion, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (NJ)

The account was paid in full in XX/XX/2022. Also in XX/XX/2022, I was billed fraudulently. I reported it in XX/XX/2022 when I received my statement with a balance and saw the purchase I never made. Since then, I have contacted them almost every 2 weeks and they keep telling me they are working on it. Each month they continue to report to the credit bureaus my account is past due. It is now the end of XXXX and I have no resolution. An attorney is now my next steps. Absolutely the worst Customer Service/Freud department XXXX Their staff, no matter who answers, is always difficult to understand as well. STAY AWAY!
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Municipal Collections of America Inc. (IL)

Last year in XX/XX/2017 I accumulated 5 unpaid red light tickets. MCOA ( collection agency for the municipality filed to suspend my drivers license. I paid them XXXX toward my 5 unpaid tickets which were XXXX each. Left me owing XXXX + their fees. Now again this year they have submitted to the Secretary of State to suspend my drivers license, but I dont have 5 or more unpaid tickets. They are illegally applying the law here. I only owe XXXX XXXX unpaid ticket plus fees.
Consumer complaint received 2017-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX at XXXX, Bank of America was ordered to put a freeze on my wife 's bank account for the amount of {$960.00}. The bank put a freeze on both of our joint accounts as well as her personal account for a total of almost {$4700.00}. They left us with {$0.00} in all XXXX accounts, which is against EIPA regulations. When I called to found out why our joint accounts were on a hold, I was told that the matter involves my wife and they can not tell me. When my wife called, she was rudely told that the agent can not help with the situation. He then put her on hold and then hung up. The next agent gave my wife the number of the collector that caused the hold and told her that nothing can be done until she speaks with the debtor, which was closed for the weekend. 
On XX/XX/XXXX, my wife was able to get in contact with the debtor and made reparations. She was told to go to the bank to get the {$2600.00}, that was not supposed to be held, released. 
I went to the bank and spoke with 2 managers. The first rudely told me that there was nothing I can do until the debtor mailed me the paperwork. The second manager told me the same, and brought me to a room to speak to the legal department via phone. The legal department informed me that the matter has to do with my wife, and they can not tell me anything ( even though it was regarding my accounts ). 
My wife called customer service and was told that a check would be sent out covering the {$2600.00}. 

On XX/XX/XXXX, my wife received a check for {$2600.00} for the amount that was excessively held.
Consumer complaint received 2022-08-29
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: SYNCHRONY FINANCIAL (GA)

in accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 states i habe the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flexible Finance, Inc. (AL)

Flex is a company that pays people rent in halves. I was charged XXXX by the company without my authorization and my rent was not even paid by Flex. Already struggling with my bills, Flex set me back even further. I immediately disputed the charge with my bank and after about a week the dispute was approved and I was refunded. Now, Flex is claiming I owe another {$400.00} and if it is not paid promptly it will be sent to collections and reported on my credit. 

I never authorized Flex to attempt to pay my rent, take money from me, or anything of the sort. I have emailed Flex numerous times trying to get this resolved to no avail and they do not have a phone number. I have been scammed and money has been stolen from me and now Flex is trying to take more and threatening to make my credit look bad and I feel as though I am a victim of minor identity theft as I never authorized this.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I signed up to not have overdrafts processed and Truist has been allowing overdraft fees anyway. I physically signed up in their app and advised them to not allow anything to be processed that I dont have funds for. I called and they told me its at their discretion and thats a lie. I declined overdrafts and it needs to be adhered to.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

a girl i didint know well asked to use my account too transfer money from her account to mine. she didnt have i.d so i said it was ok she transfered money too my account she couldnt wait for the bank to open on monday so she asked if i could send the money to one of her friends i said yes. she sent more money too mu account and wanted me too pull the money and give it too her so i did.
Consumer complaint received 2022-12-07
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. (NJ)

XXXX fail to remove the old address on my report which I stated to them to remove the information on my report, its still on my report. They refuse to move the items off my report thats against my rights.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I pulled my consumer report and noticed erroneous amounts of errors, starting with the " Hard/Soft inquiries. 

Unauthorized Hard Inquiries on my consumer Report are as followed : Inquiries Referenced : XXXX ) XXXXXXXX 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 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 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 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 Inquiry XXXX : XX/XX/XXXX Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these XXXX inquiries. These XXXX inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately. 

Experian must provide how they verified these inquiries belongs to me. 
XXXX ) How did you verify these inquiries? 
XXXX ) Provide an original contract/agreement with my wet signature authorizing these inquiries. 

Pursuant to XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy Please provide the requested documentation to me at the address listed above within 30 days of receipt of this letter. If you are unable to provide proof to validate these inquiries, I request that it be removed from my credit report immediately. Thank you for your attention to this urgent matter.
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Account Servicing, LLC (TX)

When trying to order an air freshening device through a company called XXXX, a customer service rep contacted me directly and convinced me to switch the order to a subscription service for the oils required in lieu of paying for the machine outright. 
I agreed to a " soft credit check '' and the customer service agent said there was " no contract '' and I could " cancel any time. '' I signed the appropriate paperwork and she initiated a refund for the cost of the device. 
I discovered very quickly that I would never use the allowed amount of oils shipped and attempted to contact the company regarding cancelling the subscription starting XXXX. It was delivered on XX/XX/25 and they apparently have a " 14 day trial period. '' I called and emailed again about 5 days later. No response. I sent another email the next day and called. I got a promise of a supervisor contacting me. No response. By the time I got someone on the phone it was now past the 14-day trial period and I am being told that I can no longer cancel the subscription and it will last for 36 MONTHS. 
I am willing to pay for the cost of the device. This company is giving me the run around. I want this payment cancelled.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TN)

I opened a high-yield savings account to take advantage of the 3.75 interest rate. Shortly after transferring funds into the account another bank account that I owned by a different bank XXXX direct offered a higher interest rate. And I initiated a transfer from brio direct to my XXXX account. 2 days later I received an email from brio direct stating that my account transfer was under review and my access to my account was locked. I contacted Webster Bank operator of XXXX XXXX  and they said my account was under review but I should hear something by the next day or two. I contacted brio direct multiple times in the following days and was always told my account was under review and nobody could speak with me about it. I submitted a copy of my driver 's license and bank statement on XX/XX/XXXX as requested and XXXX XXXX said they had received the documents and my account was still under review. And they said it would be a week or so and there was nothing I could do and they did not need any more information. I offered for them to transfer the funds back to the accounts they had come from but they said the account is locked and nothing can be done and the compliance department works at their own speed. it's been almost 2 weeks since the initial account locking and what I spoke with XXXXXXXX XXXX today XX/XX/2022 they said the XXXX department XXXX XXXX bank was still reviewing the account and they had no estimate on when I would be able to view my account or access my funds. I feel like brio direct has locked my account is holding my funds XXXX. And they can not give me a reason why it is being held or when they will be released. after having this issue I found they a lot of XXXX XXXX customers are having this same issues with this bank locking their account and holding funds when the customer tried to withdraw any funds from their account.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

AFTER 5 MONTHS OF FIGHTING WITH COMENITY BANK TO REMOVE INTEREST THAT THEY WERE NOT DUE. THEY HAVE PLACED THE REFUND IN THE CLOSED ACCOUNT AND ARE HOLDING MY CHECKING ACCOUNT INFORMATION XXXX WITH TWO FRAUDULENT CHARGES THAT THEY HAVE NOT REMOVED, AFTER TELLING ME IT WOULD TAKE TWO BUSINESS DAYS FROM XX/XX/2022 TO REMOVE THEM. THEY SENT ME A MESSAGE TELLING ME TO CONTACT THEIR FRAUD DEPARTMENT - TO BASICALLY REPORT THEM TO THEMSELVES ( COPY OF MESSAGE ATTACHED )! I AM TIRED OF GETTING THE RUN AROUND FROM THEM, THEY HAVE AN I.T. UPGRADE PROBLEM SINCE XXXX THAT THEY HAVE NOT RECTIFIED AND THEIR CUSTOMERS ARE SUFFERING THROUGH THIS ORDEAL THAT THEY HAVE MADE WORSE INSTEAD OF BETTER.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-21
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. (FL)

I have multiple names on my credit report that are not my nor names I have ever used. As of XX/XX/2022 I have sent letters to the bureaus and they have not corrected these errors. It's been almost XXXX days with no response. 
My name is XXXX XXXX Names that appear on my report are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of those people are me
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (AZ)

On XX/XX/2022, someone opened an AFFIRM line of credit ( {$2300.00} ) in my name. I spoke with customer service with AFFIRM on XX/XX/XXXX after making a check of my credit report because I am in the home buying process. I was informed by AFFIRM that this is line of credit was obtained online by using my social security number. I was told that someone had been paying off the line of credit but stopped in XXXX. 

I have no knowledge of what AFFIRM is. 
I have no knowledge of who could have used my social security number. 
I did not personally take out any line of credit with AAFIRM.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$950.00}
Consumer complaint received 2022-12-22
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. (FL)

I HAVE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ACCOUNTS. UNDER 15 U.S. CODE 1681C-2 THE ITEMS SHOULD BE BLOCK AND REMOVED.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.