davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc. (PA)

Complain against XXXX XXXX XXXX XXXX, at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) or at ( XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX XXXX ). 
Phone number : XXXX I opened My Credit Builder Account on XX/XX/XXXX, a few months later they told me that I was qualify to open XXXX XXXX XXXX XXXX XXXX Account then I opened XXXX XXXX XXXX XXXX XXXX  Account on XX/XX/XXXX since then they never ask me for any bank statement until after I decided to close XXXX XXXX XXXX XXXX XXXX Account on Tue, XX/XX/XXXX at XXXX PM in order to receive my fund in my personal bank account linked to XXXX XXXX XXXX XXXX XXXX  Account. I did send my bank statement multiple time and they still holding my fund since today XX/XX/XXXX, I have no idea for how long they want to play me, I have proof that I sent them the bank statement. 

I am complaining because I been sending my bank statement over and over to them and they acting like they never received it.

1 ) No First Call Resolution, 2 ) Lack of Follow Up, 3 ) Ignoring or dismissing the complaint, 4 ) Acting as if it isn't worthy of addressing. 

Also I been calling every other day since XX/XX/XXXX, - Their customer service representatives are always Uninterested to resolve the issue. 

- When I ask to talk to the customer service representative supervisor they let me on Long Wait on Hold .... and never get back to me until the phone call stop by itself. 

- Their customer service representatives Making me repeat the problem over and over, I explain them the same thing over and over. 

I am dissatisfied To resolve this problem I would like XXXX XXXX XXXX XXXX, to release my Pay Out in my personal bank linked to XXXX XXXX XXXX XXXX XXXX  Account. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney XXXX office. 

P.S. Be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of my communications with you.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: All Debt Solutions Inc. dba: 1st Class Agency (MA)

I spoke with an alleged manager at All Debt Solutions , Inc. in XXXX, MA in regards to their false reporting to credit bureaus which resulted in a negative mark on my credit. The debt had been paid directly to original creditor. This manager stated he saw that it had been paid yet still reported it as unpaid. When confronted about the false reporting, he alleged that it WASN'T false reporting. How is it not? They admit to debt being paid and also admitted to reporting it had not been. That is textbook " false ''.
Consumer complaint received 2023-10-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

I have store credit from Zales, credit company is Comentity. 

They have consistently been sending their bills late. When they do arrive on time, its usually 2 to 3 days right before the due date. In addition, I have been consistently having trouble with making payments over the phone. Glitch after glitch, also the numbers to call is different each time, and on top of that they're threatening to charge me {$9.00} for a convivence fee just to make payment over the phone. Their statement don't even have the full credit card number, but their automated system is asking me for it. 

As a result, I am being unfairly charged over a {$100.00} worth of late fees. I don't know if this is just gross incompetence, or intentional as part of their scam. 

I have already contacted both Comentity 's and Zales ' customer service departments about a week ago. Comentity just blew me off and I haven't heard from them ; Zales ' passed the buck to Comentity.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO. (VA)

My Chase Sapphire credit card statement showed 8 charges on XX/XX/XXXX for different vendors. I reported to fraud department on XX/XX/XXXX, my account suppose to be cancel and new card submitted .I never received new card, but XXXX statement appeared 2 new fraudulent charges, adding previous fraudulent charges, I contacted fraud department several times, each conversation reassured me, that fraud department removed charges. Under my personal investigation I found out charges were done at same XXXX VA area, same day except for one to airline agency in NJ At last I received a new, card on XXXX, which I had not use, until I thought my account was clean, but Not, Again all fraud charges reappear complains again. Fraud dept. request prove it was not me, I submitted day by day, Medicare statements, I was on XX/XX/XXXX still recovering from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, unable to drive. 
Now, Chase Bank, submit statement as unpaid fraud charge, plus interest and penalty, I never had any late payment or unpaid account in my life.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

Hi, I was contacted a few years ago by a collection agency saying I was a co-signer on a defaulted store TD Bank Retail Services store credit opened in XXXX. I had no idea what he was referring to as I have never cosigned on a loan before. When he mentioned the borrower, I knew who that person was. However, I advised the creditor that I never agreed to be a cosigner and do not know the " XXXX XXXX XXXX XXXX '' store where the credit was opened in. TD Bank then placed a default on my credit seriously impacting my credit. 

It's not possible for TD to have an application on file with my valid signature authorizing me to be a co-signer since I have never been to XXXX XXXX XXXX XXXX '' I filed a complaint with TB bank on XX/XX/XXXX, after I noticed the " charge off '' on my credit reports and requested the remove this from my report. After not hearing from them after several follow-up attempts, I filed a complaint through the credit agencies on XXXX. In XX/XX/XXXX I received a letter from TD that saying that my case was denied citing : Account history indicated prior knowledge of the account and that payments were being made to it back in XXXX. 

I was first made aware of the loan only after the call from the collector and I never paid a XXXX to it. It's impossible for the TD to have any legit signature of mine authorizing this credit. I have made attempts to reach out to the Fraud Risk Specialist on the denial letter, XXXX XXXX XXXX XXXX : XXXX ) but have been unsuccessful. TD has not provided any information that shows they have me on file authorizing me to be a co-signer.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

This consumer reporting agency has intentionally locked me out of my consumer report. I am attempting to view my consumer report and not being allowed to access the report. I reached out to the the company and the agents were being rude, disrespectful, abusive and tried to charge me to access my own information. I am very frustrated, annoyed and confused as to why this consumer reporting agency conducts itself in such an inequitable manner. I am demanding that I receive my complete consumer report by mail and am allowed to access my consumer report online immediately as I have attempted a consumer credit transaction and was told that I had been denied due to adverse information contained in the consumer report from this consumer reporting agency. When
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

They kept harassing me for months about alleged debt collections, from various numbers all times of the XXXX  and XXXX. Also sent letters to addresses I do not stay nor did I approve or consent to my information being sold to solicitors to harass me and have my information.
Consumer complaint received 2023-03-08
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. (NC)

I discovered that there is an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC (CA)

Debt collector contacts me numerous times a day on different phone numbers, contacts my employer, and contacts distant relatives. I've asked this company to stop calling my work phone to no prevail. They are extremely aggressive and they leave aggressive messages on families voice-mail as well. It's harassment.
Consumer complaint received 2023-03-08
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. (AZ)

XXXX XXXX has been Harrassing badly. This company has been threatening me over the phone.They have been giving false balances to the credit agencies. They lied and stated to Transunion that I was included in my bankruptcy they werent. When my score goes up they report a fake balance. When ever I do a review on XXXX or XXXX they follow me and report and increase to the credit bureau. They filed bankruptcy and still want me to pay.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have submitted 6 disputes to Experian about XXXX XXXX XXXX account. 
Experian is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My Experian credit report is significantly ( more than 30 points ) lower than my XXXX  and XXXX  credit reports because of this inaccuracy. 

Dispute 1. XX/XX/XXXX Dispute 2 .XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. 

The issue : This debt is being double-reported. I have confirmed with XXXX that the debt was sold to collections on XX/XX/XXXX. However, XXXX never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. 

The following year, I called XXXX to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. 

I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from XXXX and I disputed it with Experian. Since then, my credit has plummetted because the XXXX account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). 

This account needs to be removed from all credit reports in entirety. XXXX is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (IN)

I signed up for an installment/credit boosting loan with SeedFI. I would receive a certain amount up front and the rest would be locked into a savings account with XXXX. 

On XX/XX/2022, Seedfi notified us that they were 'transferring '' our accounts to XXXX. XXXX is a collection agency who does predatory practices notably all over XXXX with terrible reviews on consumer websites. 

SeedFI sold out information and gave it to a company who harasses and has no real answers on the process. 

SeedFi also does not answer any further questions because they washed their hands after they sold all of our loans. It has been a nightmare dealing with XXXX. I have made payments with my proper checking account and they are reversing them. I want my account closed and my balance paid off and the difference sent to me as soon as possible. 

This complaint is against SEEDFI for violating my right to privacy and giving my information to a company that is not up to standard. 

The complaint is also against XXXX for their lack of good business practices. I want my account closed & paid off immediately.
Consumer complaint received 2023-07-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-24
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. (WV)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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. (NY)

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
Consumer complaint received 2023-10-06
Product: Credit 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: CITIBANK, N.A. (MA)

Citi Credit Card has lied to me. The company has allowed payments to occour on my account after specifically telling me they would not allow any charges to be made to a closed credit card. 
The issues occurred when in XXXX, I called and asked them to stop all transactions on my account and informed them that I had locked my account but was still having charges showing up. A Citi representative had informed me that this is due to it being a reoccurring charge and that Citi, would automatically allow these charges to go through. I also received an email telling me this as well. I asked to have these stopped to which he said he would cancel my card, and issue me a new one so that this would no longer happen. 
On XX/XX/XXXX, a charge in the amount of {$1100.00} was made to my closed account. This was one of two reoccurring charges that had been happening the other was a cellphone bill that did not ever show up again. The one in question is to a company that handles payments for housing rentals. I called and asked to make sure this would not happen again. They assured me that it would not and again cancelled my closed card and reissued me a new one. 
XX/XX/XXXX, Citi card again, allowed a charge the closed and locked credit card that I, again did not give out information on. The charge this time was for XXXX to a name of XXXX XXXX XXXX GEORGIA. A phone call to the credit card company again proved frustrating. They had not allowed the reoccurring cellphone bill to be processed but instead provided payment, on my behalf, to another company and could only apologize and say they would issue me another credit card. I filed a dispute for the two charges. 
XXXX came and no more charges showed up on my, still locked credit card. I contacted them again to confirm my card was not to be charged. None were again, and I filed a dispute online. Later in the month, we spoke on the phone. The company asked if I had ever done business with them. I told them not directly but a second authorized user had and that it was irrelevant because the cards were closed and locked and I was specifically told that they would not allow any reoccurring charges to be made in the future. My cards had remained locked and all new cards in my possession. I asked them to verify that all the cards were locked each time they authorized payment and check the voice records of the representatives telling me no futher charges would be made to my account. Today I logged onto the app and see that the disputes have been settled. They denied my claim. They lied to me and are extorting me. They gave out money they are now charging me for after telling me they would not allow any payments on my behalf. 
To add to this, the payment amounts have been fluctuating and I had not caught an allowed payment prior to this while my card was locked that I did not dispute though I am dismayed it was allowed.
Consumer complaint received 2023-03-08
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. (TX)

There are inaccurate charged off accounts on my credit reports that I have been disputing for some time. Each bureau is reporting completely different information concerning the accounts with XXXX and XXXX XXXX. 

XXXX is reporting different last active dates and open date. 

XXXX XXXX is reporting different account numbers, last active dates and open dates. 

If all bureaus get their information from the same place, how is it that they are all verifying different account information? They are in clear violation the law and my rights as a consumer and I am requesting that these accounts be deleted from my credit report and all documents concerning this debt be sent over to my mailing address.