davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (FL)

I was summoned by XXXX XXXX XXXX for a debt for an account " XXXX ''. I received no letters from XXXX XXXX XXXX asking me if I validated this account was ever mine. Instead they had someone send a summons to me to appear in court. I appeared in court on the day requested to contest the account and they did not hsow up. They sent an affidavit blaming their no show on a scheduling issue. Immediately after I was summoned I sent to the court and XXXX XXXX XXXX a challenge to verify if the debit is mine but all I got was a letter with some statements and one page part of a forward flow agreement between them and " XXXX ''. To this day I have not received proof that I have opened this account such as a signature and per federal law, they should not be able to come after me for this debt if they have no proof. Attached is 5 letters. One is the letter with the entire suit package, second is the summons to appear, three is my answer in response to the matter requesting proof I opened the account, four is the court 's dismissal due to no show by plaintiff, and five is the affidavit explaining their absence.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

I had 8 accounts with Affirm that were closed but had balances. These accounts were sent to XXXX as collections. I contacted XXXX and paid off all balances XXXX XXXX. XXXX informed me that Affirm had extended an a " setting a balance '' for 2 of the 8 accounts of the accounts. XXXX also informed me that they would report these 2 accounts as " successfully settled '' to Affirm. 
On it about XX/XX/XXXX six of the Affirm accounts reported to XXXX as XXXX balances ... the two accounts referenced above show an outstanding balance ( XXXX and {$67.00}. ) I waited a few weeks to see if these 2 accounts reflect a XXXX balance but they did not. I contacted Affirm regarding the concern and the advised me to contact XXXX. I contacted XXXX and they told me that they did report all accounts as settled. I offered to pay the balance stated ony XXXX credit report ( {$32.00} and {$67.00}. ) XXXX informed me that the account is settled so I was unable to pay anything. I contacted Affirm with this information and they told me that I was not able to pay them either. They stated that all of accounts were closed. I kept waiting fom these 2 balances to show up as XXXX balances ... to no avail. On XX/XX/XXXX I again contacted XXXX and they emailed me confirmation of these payments as well as " setting a balance '' confirmation. I filed a dispute this XXXX and that did not resolve the issue. 
I am caught in a horrible situation... everyone is pointing the finger at the other 'person '. I, as well as the XXXX  that I am XXXX, is currently homeless as I can not pass a credit check for an apartment complex. 
Please help... I do not know what else to do. 
Kindly XXXX XXXX
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-25
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: M&T BANK CORPORATION (TX)

On XXXX. XXXX, 2020, XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, M & T BANK INDIR add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2023-07-02
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. (IN)

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 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

After being denied my XXXX $ bonus for opening a Total Checking Account with Chase Bank they have said the bonus payment is available to me if i comply with the terms of their offer.No.1 being i must have a direct deposit total XXXX $ or more and No.2 said deposit needs to take place within 90 days.When these terms are met the bonus will be applied to my acount within 15 days of the deposit.XXXX XXXX XXXXXXXX  XXXX was electronically deposited in my account at Chase from the SSA i have met both requirements and the bonus should have been in my account no later then the XXXX of XXXXIn going back and forth with Chase they now contend this.The monies deposited XX/XX/XXXX by the federal government was not a proper Direct Deposit according to the terms of the offer.WRONG! EFT Rule at CFR Part 208 finalizes and reads partially that the Federal Government is mandated to deliver monetary payments by Electronic Funds Transfer..EFT rule updated and final XX/XX/XXXX XXXXThey continue to stall and skirt around their obligation to pay said bonus.Im asking you who else can i look to for help, information in this matter.I now want to receive more than the XXXX $ for Chase banks continued criminal behavoir and malfesence.This is so frustating but im using it as an oportunity to learn about the operation of banks mixed in with a little bit of knowledge of goverenmental agencies and some of their laws and regulations.Any help would be appreciated ... .Thank You ... XXXX XXXX XXXX
Consumer complaint received 2023-07-23
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: SYNCHRONY FINANCIAL (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX my wallet and cellular phone were both taken from my possession without my authorization. I reported my debit card stolen to Navy Federal Credit Union at XXXX am on XX/XX/XXXX and informed their fraud department that there was fraud activity taking place without my authorization. The funds taken from my account without my authorization are detailed in the files attached to this complaint. I was informed that my card would be closed and I can get a new one from the credit union when they opened during the week. I filed the fraud claim and attached files to the Navy Federal app that shows that the unauthorized user made transactions that totaled approximately {$6300.00}. I was told by my credit union that an investigation would take place and I would be notified via emessage/email with the results. From XX/XX/XXXX to XX/XX/XXXX I called every other day to check on the investigation to make sure that I took the appropriate steps to ensure that I would be credited with the funds that were fraudulently taken from me. I talked to the Navy Federal Credit Union Fraud department on the phone at XXXX am on XX/XX/XXXX and was told that my claim was denied due to my spending habits which I do not think is a fair evaluation of my claim nor does it have any relevance to me being a victim of this fraudulent activity. I am attaching all files to this complaint that I provided to the credit union that shows that I am a victim of this fraud activity.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

I do not have a contract with this company, nor did I give permission to any company I had a contract with to give my personal information. This company does not and did not have permission to access my personal information or disclose it on my consumer report.
Consumer complaint received 2023-07-21
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: Lugano Capital, Inc. d/b/a Start Auto Finance (GA)

Unauthorized inquiries on my report Start Auto Finance 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
Consumer complaint received 2023-07-22
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: NAVY FEDERAL CREDIT UNION (NY)

My Information Was Used Fraudulently. I Didnt Make These Inquiries 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA
XXXX  
NAVY FCU
Inquiry: XXXX XXXX XXXX  -
XXXX XXXX XXXX XXXX XXXX XXXX  
NAVY FCU
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

I have been banking with this company for almost 5 years. I have never experienced a problem, whatsoever. Last Friday, XX/XX/2023, I tried to access my account to pay a bill and was unable to log in. I checked my email and there was an email stating that my account was suspended/on hold due to activity involving the mobile check deposit that was made weeks ago on my account. This was my income tax check that I had just finally received after waiting for over a year. I have sent emails almost every single day since this happened giving them every item they requested. I have called on multiple occasions and still have been unable to get help. No one can seem to tell me anything, nor give me any help whatsoever.
Consumer complaint received 2022-12-21
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. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX 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 XXXXXXXX
Consumer complaint received 2023-03-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-04-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KS)

I was initially notified of a debt sent to collections on XX/XX/XXXX. I responded to this with a dispute on XX/XX/XXXX, within the 30 day period. Collection attempts never stopped and to this day XX/XX/XXXX I have not received my dispute results. However, the credit bureaus had been reporting that the dispute was resolved on my credit report by the grantor. After contacting the debt collector again today XX/XX/XXXX they said the dispute was resolved on XX/XX/XXXX. This does not make sense as they reported to the credit bureaus that it had been resolved months prior.
Consumer complaint received 2024-04-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carvana Group, LLC (IL)

I have been a victim of identity theft in which the culprits opened numerous lines of credit in my name including a auto loan, credit cards, bank accounts, apartment rentals, utility services, retail store lines of credit and other items still under investigation. 

I am unaware of who is fraudulently using my identity which has had significant impact on my credit which has impacted my living conditions significantly. 

I have requested and dispute the account at which time I was advised the account was validated and would remain on my credit. 

I requested proof of account validation and who validated the account and have not been provided any information other than the account will remain on my credit.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX.
Consumer complaint received 2023-07-18
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the FCRA ( Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I have a VS credit card account. I paid my balance in full [ about {$53.00} ] in XXXX. Apparently, a few days later, interest was assed to the account. Since I thought my balance was {$0.00}, I didn't make a payment in XXXX or XXXX. Late fees were added to the balance and the {$30.00} balance was reported to the credit reporting agency in XXXX. As a result, my credit score has dropped more than XXXX points. VS did not attempt to contact me regarding the delinquent balance beyond sending a couple of emails which were diverted to my SPAM file.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (SC)

On XX/XX/XXXX, I received XXXX E-mails from Chime indicating an account has been opened in my name. 

The first titled, " Welcome to Chime '' and the second, " Youre XXXX step away from XXXX XXXX! ". 

I did not open ANY account with this company and concerned either they are opening such accounts or allowing fraudsters who have access to my information to open. When I called the automated machine they said " they found my account '' and so I clicked lost or stolen card and they listed an Address that I own but do not live at, XXXX XXXX XXXX XXXX XXXX XXXX I am a resident of XXXX XXXX and havent lived at this location since maybe 2013.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (OK)

In Accordance With The Fair Credit Reporting Act XXXX 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
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (FL)

I contacted the company experian on the date of XX/XX/2023 and froze the card from making charges from when i became aware the day before. They did not take much, so I caught the problem in time and requested my credit report by mail so I could resolve the issue.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2023 I deposited {$10000.00} to Marcus by Goldman Sachs, after I received an email from this bank offering a bonus of {$100.00}. The condition was that I should keep the money for 90 days. Today is XX/XX/XXXX and its already more than 90 days left. After I check my account online and didnt see the bonus, I called the bank. Representative told me she is sorry, but I cant get the bonus, because I didnt applied for it. But I know that I completed all the steps.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Credit Bureau is going against my consumer rights according to FCRA. 
I sent multiple letters indicating this matter and they keep ignoring them aswell called.I just spoke with a representative name XXXX in the fraud department special services and then spoke with a supervisor is charge named XXXX and she HUNG UP IN MY FACE! The date of call was XX/XX/23 at XXXX then spoke with supervisor by the name XXXX XXXX XXXX. Not to mention I recorded the recording ALSO! 

Credit Bureau is violating : US CODE 1681a 2 ). ( i ) US CODE 1666b ( a ) US CODE 1681e ( b ) According to website : www.Experian.com. In the article, Does your Income Appear on your Credit Reports? Under what is included in your credit report, it states Personal Information, Accounts, Inquires, and Public records. Following the article nowhere does it state income being a part of your consumer report. If income is not a part of your consumer report and a charge-off is being reported on your consumer report then it is not reported accurately. 

Also Violating procedures under IRS form 1099A and 1099C.