davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have XXXX HELOC and none of the other XXXX asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me. 
Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (ND)

I bank with Chime. I received someone else 's taxes in my account. Their federal return for {$6900.00} was deposited XX/XX/24. The state return for {$720.00} was deposited XX/XX/24. It was by no fault of my own. XXXX XXXX XXXX XXXX put my banking information in someone else 's file. I called Chime the same day on XX/XX/24 at XXXX to notify them that it wasnt mine and to please reject it. They told me they are receivers and not senders. They advised me to ask the IRS for their banking information. Which is an incredibly unrealistic request. I had already called the IRS on XX/XX/24 to notify them as well it was not mine. They were not able to just pull it back out. The IRS advised me to have Chime reject it. Which Chime had already told me they couldnt do. I reached out to the state of North Dakota to also notify them the taxes were not mine. I called Chime again on XX/XX/24 to ask again if there was anything we could do about getting the taxes out of my account. I have been working with the regional manager of XXXX XXXX XXXX XXXX to try to resolve it and get the taxes to their rightful owners. On XX/XX/24, 5 hours after I received my 30 day pay check for {$2200.00}, chime emailed me to notify me that they closed my account because they identified fraudulent loads. XXXX XXXX XXXX XXXX called me on the same day XX/XX/24 to inform me they found the rightful owner of the taxes. Chime closed my account stating I broke the direct deposit agreement. I called Chime again with the regional manager of XXXX XXXX XXXX XXXX so she could let them know it wasnt my fault and it was unknowing to me. In hopes they would reopen my account. I have no access to my funds and they keep telling me Im not eligible for a refund of my account. I have XXXX XXXX. This has been weeks. I cant buy groceries or pay daycare. I had to borrow money for my rent. I need the money totaling {$3000.00} that is rightfully mine and that I worked for. I had {$2600.00} in my checking account and {$440.00} in my credit builder. Chime keeps asking me for proof that I was the intended recipient of the North Dakota refund. I sent them a screenshot of the phone call date and time that I notified them they werent mine. They say their calls are recorded. In that phone call I told them they werent mine and to reject them. That should be proof enough! Please help me.
Consumer complaint received 2023-05-19
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. (MI)

Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Dates of hard inquiries that need to be removed, Company Names & Numbers 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 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (WI)

Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (PA)

I recently did a credit report and realized when someone stole my identity. About 5 years ago someone stole my social security. Doing a credit check XX/XX/2024 I see that they're multiple things in my name credit cards, cars and other things
Consumer complaint received 2023-06-07
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX , Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/23 I received a text from what I thought was USAA. It asked me if I had authorized a XXXX payment of {$1000.00}, type yes or no. I typed no and someone responded back and then called me. Because the phone number was spoofed, I believed it was USAA and gave them account information. During the span of an hour, this person went into my account and removed {$810.00} from my checking and {$100.00} from my savings, using a new person to send money to using XXXX. Once I found out what happened, I immediately called the real USAA and filed a claim that none of the many XXXX transactions were authorized. I haven't heard a word from USAA about the fraud or the claim, I call them every other day for a status. XXXX USAA associate said when I told them that I have bills that will hit my account " Can you ask someone to borrow the money so that it's not insufficient? '' On another phone call an USAA associate just said, " They have until 10 days to do their research, you'll just have to wait '' and didn't give me any status. On the phone today XX/XX/23, the USAA associate said that in my account no fraud was found and no money will be reimbursed. I told them that my account was taken over and none of these 20+ transactions were authorized, I sent them screen shots and that they need to reopen the case. I don't know when I will get the {$810.00} for my checking and the {$100.00} from my checking. Bills have been returned XXXX  because of not having any money in my account so I am in arrears with my loans
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Verbiage removed Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX  is no longer in Existence I need the verbiage on this account ending in XXXX Consumer disputes after resolution 180 days or more past due Fixed rate XXXX spoke with XXXX she is a Supervisor she clearly stated the account is paid in full she refuses to take the verbiage off Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX  Consumer disputes after Resolution Charged off Account Subscriber Reports Dispute Resolved Consumer Diagrees I received my title in XXXX  from XXXX XXXX
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (CA)

They repeatedly call numbers that are not associated with myself and disturb ill people. It is unprofessional and disrespectful. IT NEEDS TO STOP. THEY WILL BE HELD RESPONSIBLE FOR ANY FURTHER DISTURBANCE OF THE ILL PEOPLE. When I call back they put me on hold and then the line gets disconnected. After calling numerous times I am able to reach someone and ask them to stop calling because they are disturbing ill people. Even after asking them to STOP, they still call. I do n't even know who National Credit Adjusters are and how they got the numbers they are calling and what they want!
Consumer complaint received 2024-04-14
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: Lockhart, Morris & Montgomery Inc. (GA)

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America makes it impossible to go on autopay. I am on auto pay for all my credit cards except this one I couldnt figure out. I read directions and buttons that they say are there in the directions arent there for me. I tried calling and still couldnt figure it out and they refused to do it over the phone. I ended up missing a payment so I called and told them I wanted to pay my entire card and CLOSE the account and I never wanted to hear from them again. The following month I get an email saying I had to pay my card. I thought it was a mistake since I paid and closed my card. The next month I get another email. I go on the app and theres nothing there. Looks like a closed case. Third month ( XXXX ) I get an email saying my credit score went down XXXX points because of {$30.00} from Bank of America!! Are you kidding! I called them and they said it was interest that was put on AFTER I CLOSED MY CARD! This is ridiculous. They refused to do anything for me. I paid and told them Im reporting them and I dont ever want to be contacted again. Well, last night or this morning technically I get an email from Bank of America at XXXX about my fico score! I actually got a law suit email from XXXX I think if people ever received emails in the middle of the night. This company is insane. They make it difficult for people to use autopay to generate fees. I should not have to pay a fee after I paid my balance. This company is a scam
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (NV)

I applied for a credit karma account to receive my tax refund. This morning XX/XX/XXXX I log into my account and it states that its closed. I contacted credit karma and they stated they couldnt tell me why my account was closed and would forward me to they specialize team. Ive never reciprocated any information as to why its being closed.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC (OH)

I signed up for a solar home loan and the company that financed it with Sunlight Financial. The company that monitored the solar was power home solar also known as XXXX XXXX. XXXX XXXX has now went out of business and filed bankruptcy and therefore left all of its customers without workmanship on the solar system supplied by XXXX. Sunlight Financial is still trying to collect on this loan when the loan contract has been broken. Yes, The warranty with XXXX on the solar system is still valid but theres no one to service the solar system and currently my system does not work and has not worked since XXXX of 2022. Prior to XXXX, the system only worked periodically. I am paying {$65000.00} for a system that doesnt even work. I agreed to the loan with the expectation that everything in the contract would be honored. The contract has been broken. We did not have 2 separate contracts we had 1. In that loan we are paying for the equipment but we are also paying for the workmanship warranty and installation cost. I have attached an email with my complaint to the company.
Consumer complaint received 2018-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While checking my XXXX  credit report I came across several hard inquiries that I DID NOT authorize. 

These are three of the ones that I did not authorize. Oddly, they all have the same date All of these have the same date of XX/XX/2016. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-04-14
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. (GA)

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. XXXX XXXX 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

There are  XXXX  liens on my   XXXX   credit report that do not belong to me. I have asked for verification from  XXXX  and they failed to do so. I contacted the courts they do not report t o 3rd party ag encies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.  XXXX  is not the method of verification. I called the courts and they did not give no  one  information. Remove immediately! I will start legal action if needed.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want the company to removI am a victim of identity theft please remove this fraud inquiry from my credit report.e the fraudulent inquiries in my credit report.
Consumer complaint received 2023-06-07
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX I sent a letter to TransUnion because I noticed a lot of inquiries was on my credit report. I dont check my credit often. They refused to take them off even after I sent them a letter asking them to do so. I didnt not give anyone/company written or verbal consent to ran my credit for anything. These inquiries are making it hard for me to get approved for loan because my family and I have nowhere to go and need funds to pay for a hotel room. Can you please assist me with this matter please. These are all of the inquiries that I need help removing XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX