davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CL Holdings LLC (NV)

I want this company to seriously check into why they would give me so much credit without checking my income and open credit accounts and why their algorithm did not flag it as high risk. What logic tells you a XXXX XXXX  on XXXX making XXXX a month could possibly afford this kind of credit. You never looked into it. Obviously I was XXXXXXXX XXXX XXXX XXXX XXXX, but no you took advantage of a situation you saw money over logical thinking. The algorithm is the legal president to weeding out problems if it's flawed your company is flawed and according to the 2009 fair credit card bill put restrictions on such kind of business practices, and this company also broke the law by violation of the disability act. I'm so sick of company 's taking advantage of people with bad business practices. I obviously had no control over my actions was making bad decisions based on XXXX. I've XXXX  XXXX  for XXXX years on XXXX XXXX and I have problems the only thing to protect me is your algorithm and it obviously did not do it's job and needs to be corrected. I feel really bad about what happened, but your playing the victim when your just as guilty as me if not more taking into consideration my illness. I want this debt taken off my credit and the debt is nul in void due to the negligence of the company
Consumer complaint received 2022-06-06
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. (MO)

I've contacted XXXX XXXX  XXXX & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, XXXX and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA does not follow FTC guidelines and Collects on ID Theft reported to them.See attatched Experian Report. USAA notifys them THEY DO NOT KNOW FRAUDLENT CHARGES WERE MADE AND THAT I NEED TO CONTACT THEM. * THIS IS INACCURATE REPORTING. USAA HAS KNOWLEDGE OF FRAUDLENT CHARGES see attatched letter FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS DID OCCUR. see attatched ID THEFT REPORT USAA has recieved. FTC. gov web States : FCBA settlement procedures INCLUDE : 1 ) Unauthorized Charges see FRAUD CLAIM OF XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED 2 ) Charges list wrong date Credit Reversals Charges list wrong new purchase date ( CLEARLY NOT NEW PURCHASES ) 3 ) Charges for goods or services you did not accept or that were not delivered timely see attatched Criminal Investigation Letter NO Deliveries in that zip area under investigation. 4 ) Failure to post credits 5 ) Charges for which you ask for explanantion OR WRITTEN PROOF OF PURCHASE. I have had all 5 of these occur on my account from XX/XX/XXXX to XX/XX/XXXX USAA DOES NOT FOLLOW FTC GUIDELINES see attatched FTC statutes of REQUIREMENT OF USAA. UNDER DUTIES WHEN ID THEFT OCCURS. USAA DOES NOT FOLLOW THESE STATUTES USAA COLLECTS ON ID THEFT DESTROYS CONSUMERS CREDITS WITH FALSE REPORTS.
Consumer complaint received 2022-12-27
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. (CA)

According to the credit reporting acts the list with the account below have violated federally protected consumer rights to piracy and confidentality under 15 usc1681 section604 also states can not change account without my consent all my negative accounts on my XXXX  transunion need to be deleted asap I would like my credit report to be cleared and all my negative account deleted thank you very much.
Consumer complaint received 2024-04-16
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: DISCOVER BANK (NC)

on XX/XX/2024, I see there was a credit check done by Discover Financial service which I don't recognize and authorize. 
I contacted the company but they failed to find any information with respect to why the credit check was done.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

I have been with Venmo for a few years, over a year ago I started receiving phone calls from Venmo, fraudulent activity noted on your account, press 1 if this was not you! If you did not answer the first call it would immediately call again, and again! When you answered and responded 1 they would send a text to press 1 and then insert these 5 numbers. For over a year I ignored these calls! On XX/XX/XXXX, I finally answered and some XXXX guy asked if I had sent {$440.00} to XXXX. I said I didnt do anything. The guy then said I need to transfer funds back to my bank account and I told him no! Im not doing anything and the next think I know my Venmo account is closed and funds from my Venmo have been transferred XXXX XXXX! Help please
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend XXXX Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I open a checking and saving account due to there is {$400.00} bonus when I deposit XXXX for 3 month on XX/XX/2018 After 3 month I receive a system email confirming I met the requirement and should be able to see the money within One month. 
However when I check my bank account after 33 days, my checking account has been closed without my permission.Of course there is no bonus.
Consumer complaint received 2022-12-13
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (AL)

XXXX XXXX with TruAccord from is sending repeated emails in an attempt to collect a debt I do not owe to him. The dates of the emails are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount they are attempting to obtain are {$650.00}.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (TX)

On XX/XX/2023 Mariner Finance knowingly and intentionally provided my personal information to a third party whom I have no personal or professional relation with. I have attempted to contact the office branch, nobody answers the phone. I have spoken with Mariner Finance customer relations specialist who told me this was inappropriate and to expect a call back from the XXXX  in an hour. I have not been contacted.
Consumer complaint received 2020-01-07
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: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Kashable LLC (MI)

Since, last year I have been denied for an employee based loan advertise through my employer. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have requested verbal and written instructions on a denial reason and the company will not provide this information. Several agent have said that their company users the XXXX court systems to verify public records. I have access to XXXX and the court records do not reveal your full Social Security number and there is more than XXXX person with the same name. The consumer has violated consumer rights according to : 12 CFR 215.3 - XXXX of credit. ( I can not be denied an extension of my credit ) meaning borrowing a ) An extension of credit is a making or renewal of any loan, a granting of a line of credit, or an extending of credit in any manner whatsoever, and includes : ( XXXX ) A purchase under repurchase agreement of securities, other assets, or obligations ; I have requested that Kashable send me documentation validating these bankruptcy filings. XXXX stated that XXXX XXXX Michigan in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and in the XXXX XXXX XXXX Georgia in XXXX. Per bankruptcy law Chapter XXXX bankruptcy when debts XXXX, you must wait XXXX years from the time you filed before you can file again. My public records on my credit reflects XXXX bankruptcy XXXX in XXXX XXXX in United States Bankruptcy XXXX Michigan XXXX XXXX. XXXX does not use the XXXX XXXX from my credit profile from XXXX major credit bureaus. XXXX willingly and knowingly admits to using bankruptcy filings more than XXXX XXXX XXXX to determine whether they will extent me a loan. I contacted the court and they stated that do not report to credit reporting agencies. It is clear they do not report to you or to any third party companies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately! 
Attached is XXXX contact and loan information provided to XXXX XXXX. From my understanding when this loan is extended it is repayable by payroll deduction. I do not understand their response to my disputing the inaccurate information and they have not provided XXXX records as proof of these filings belongs to me. XXXX was over 19 years ago. This company has violated my consumer rights to credit or their loan program. 
XXXX has not validated and presented documented proof, from the XXXX court system that these filing belong to me. I have written letters and emails requesting this validation of XXXX XXXX belong to my fictitious name XXXX XXXX.
Consumer complaint received 2019-02-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (DC)

I applied for a refi with XXXX XXXX XXXX who is my current mortgage company in XX/XX/XXXX. I was instructed to not pay my mortgage for XX/XX/XXXX and XX/XX/XXXX as the refi process was ongoing. Specifically I was told by loan processors that it was my choice to pay it but I did not have to as the refi process would " Take care of it. '' Today as my refi was to close almost 45 days after I applied on XX/XX/XXXX. The loan was closed out and I CALLED THEM to find out as my loan portal was empty. I was told that FHA regs cant go through as no 30 day lates were to be on my loan. I am beyond angry and feel like a fool for listening to these people. I am out {$500.00} for an appraisal as well as now have to make a double mortgage payment. I need help as they just brushed me off, I no longer desire to do business with these people as I was misled and now forced to wait as this bigly impacts my credit. I have nearly 100K in equity and I need to access it for home repairs and some consolidations. Is there any thing that can be done?? No where in my documentation did it say contrary to me paying the mortgage. I followed instructions to the T. I have all correspondence saved as well as documentation
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I initiated a bank transfer of {$10.00} from my checking to Venmo who has a written policy of a 1-3 business day transfer time. I initiated the transfer on XX/XX/XXXX around XXXX. The deposit should have been available on XX/XX/XXXX per the written statement of a 1-3 business day deposit. Venmo now states the deposit wont be in my account until XX/XX/XXXX which would be 5 business days not 1-3.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (CA)

TEK Collect is trying to collect for XXXX XXXX XXXX XXXX a past due amount of {$1200.00} that was opened fraudulently using my SSN. I do not live in that county nor did I open that account. I have filed a police report in 2021 for the same individual and have taken precautions in freezing my credit and adding a fraud alert to my SSN. Not sure how this individual was able to open this account and when I disputed it with XXXX my claim was denied. 

Contact number for TEK Collect phone : XXXX
Consumer complaint received 2022-10-05
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (VA)

Attempted to use my card on XXXX XXXX and got declined. Received an email saying my debit card is suspended. 

Called Citi. Agent said there was nothing she could do. Ridiculous.
Consumer complaint received 2020-03-03
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: AMERICAN EXPRESS COMPANY (NV)

Few years ago someone stole my identity and started opening credit cards under my identity. Ive filed 4 police report in the last 3 years because someone either applied for loans or credits. And Ive been filing dispute with the credit card companys but they keep saying they have me verify but wont show me proof when I requested them the documents. Ive been sending them letter for the last 6 months and I havent received a letter from them. I need to remove this account that dont belong to me.
Consumer complaint received 2020-01-07
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: Comerica (CA)

I applied for a credit card from XXXX  XXXX  and they checked my credit numerous times I was on hold a few hours with XXXX XXXX XXXX I was not resent my approval also they mailed me over several credit decisions and XXXX XXXX ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with XXXX  please keep this private.

Also I submitted a complaint with the XXXX  against direct express Comerica Bank for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX
Consumer complaint received 2019-02-13
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. (MI)

I currently have my federal loans in borrow defense since XX/XX/XXXX. the XXXX XXXX/XXXX  ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (AZ)

Its my card, however this company refuses to allow my any access to my statements/app to see my account or charges/my email is incorrect and they are sending my personal information to this random email. I have been trying to resolve this issue for months, they hang up on me, refuse to help, or put me on hold and never pick back up. I had XXXX horrible encounters again today and refused to help me. I had my lawyer write them with no luck with correcting my account. Please help me with this dishonest company!