davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

My name is XXXX XXXX my social XXXX a XXXX XXXX  name XXXX XXXX XXXX unlawfully did a credit check on my XXXX credit report and keeps calling me for a very old debt that's over XXXX XXXX XXXX the debt is not mine I have a common name also they keep calling me from private numbers and tool free numbers can you please tell them to stop harassing me for a old debt the stautue of limitations is old and also it doesn't belong to me
Consumer complaint received 2021-12-12
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

chime banking has placed my account on hold due to someone sending me XXXX XXXX and then them disputing the transaction. its been over a month now and I had funds in there which I do not have access to. So basically they are holding onto my money that I will probably not see again. Which is FRAUD!
Consumer complaint received 2021-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA approved my refinance loan XX/XX/2021 in my old name even though I had sent them the document which shows my name change, the agent at USAA said they have to redo my loan application XX/XX/2021 and after they did my loan was denied. I have been a loyal customer, I have a good credit score and paid all my bills on time and my loan was denied because of an error on USAA part.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are XXXX company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.
Consumer complaint received 2022-03-27
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: William D. Meeker Enterprises, Inc. (FL)

These inquires listed below were not authorized. These are unauthorized inquires that shouldn't be on my credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Cic Credit Inquiry Date : XX/XX/XXXX 2020
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (CA)

I have disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion -- they have listed my business partners HOME ADDRESS on MY CREDIT REPORT! Nuts. I pointed this out in a letter detailing everything after numerous phone calls -- very frustrating ... and Transunion 's response? A form letter asking for verification of my current address. What nonsense. 

I need my business partner 's home address ( XXXX XXXX XXXX ; XXXX, TX XXXX ) OFF MY CREDIT REPORT. 
Thanks XXXX XXXX
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX, booked a flight from XXXX, Fl to XXXX XXXX, Tx using my BofA card ending in XXXX. That transaction was processed without incident and the travel occurred. 

On same day, XXXX, I booked a flight from XXXX XXXX, TX to XXXX, FL using the exact same card ending in XXXX for travel @ XXXX XXXX on XXXX. Now all of the sudden XXXX claims there is a problem with card XXXX  XXXX from BofA verified the transaction was in fact valid and that XXXX was paid in full as to the price of the ticket. 

XXXX is engaging in fraud and a cover for political reasons and at the behest of political allies in XXXX XXXX Texas. This behavior has me stranded at the airport. This was planned as they know that I only had available money in the account to cover the original ticket, so even though the money has been collected which BofA ( XXXX ) verified, XXXX is telling me to purchase another ticket knowing that I do not have the available funds to do so. This is also entrapment with the intent to cause financial injury via XXXX political friends for complaining of government fraud and a cover up :
Consumer complaint received 2021-08-25
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MS)

In 2016 quicken loans under one reverse mortage made me take this mortage so they could make money. I was not in my right mind at the time due to other issues bothering me. They too complete advance of me. There so-called counseling phone call was rediculious. Then they scammed me to charge me for lots of fees tobepaid from the small amount of money I received. Such as termite inspection and treatment, appraisal fees and insurance and more so I only got XXXX dollars for a pd for 4br 2 bath home on a large lot fully landccaped. I feel totally injured. This has ruined my life and now my XXXX  sons will suffer as well as I have nothing to leave them. I've workmen most 2 jobs since 14 years old. My house was pd in full because that was my largest dream. I pd it in 20 yrs, only to have this company steal it from me. I have tried to offer them way less money but they will not even consider that. Now the house need a so much work than it is not work doing even if I could. I'm XXXX soon and this is so gut wrenching for me and my kids. I know you can't or won't do anything about it. All govt. Is doing is throwing money away to parents who are vacationing on their child tax credit money. XXXX.
Consumer complaint received 2021-12-12
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. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (WA)

Cavalry SPV 1, LLC, keeps sending documents saying I owe a debt to them. I dont know who these people are and why they are sending statements that arent mine. On XX/XX/2018 I sent letters to them through the XXXX Returned receipt XXXX XXXX. I requested VALIDATION. So far they can not VALIDATE this debt and send copies of statements that arent mine. They have violated FCRA, FDPA.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

I have consistently requested for the inquiries on my credit reports to be verified and I have been ignored for over two months. I am unsure what to do now at this point, as I have consistently tried reaching out to these companies as well as the credit bureaus viz snail mail and online disputes several times.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have consistently requested for the inquiries on my credit reports to be verified and I have been ignored for over two months. I am unsure what to do now at this point, as I have consistently tried reaching out to these companies as well as the credit bureaus viz snail mail and online disputes several times.
Consumer complaint received 2022-09-27
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: CLGF Holdco 1, LLC (MD)

In accordance Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states I have the right to privacy. 15 US Code 1681 Section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX- {$490.00} XXXX XXXX XXXX
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (TN)

I purchased a NETSPEND PREPAID XXXX XXXX XXXX AT XXXX ON XX/XX/2021. I tried to activate the NETSPEND XXXX XXXX XXXX, the NETSPEND XXXX XXXX  XXXX, told me toward my Social Security XXXX, Reference Numbers, and Drivers License, and Proof of Address by sending my Utilities Bills , Electric Bill, and Water. 
I was told to Email all the above information to XXXX. 
This information was sent via email. 
However, once all those documents was sent to NETSPEND Customer Service Documents, the employees of NETSPEND were laughing in the background, stated that they were not scribing my NETSPEND XXXX XXXX XXXX to pay Bills, and that they were going to use my information from the email to create fraudulent bank checking accounts, and apply for Fraudulent Passports, and Purchase Cards, and Houses, and Fraudulent Vehicles, and Vehicle Insurance Fraudulent Accounts. And that all United States of America are ignorant and can not protect their citizens from NETSPEND, which is an XXXX XXXX.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

On XX/XX/2022, I tried to log into my Chime account but could not because the company had arbitrarily closed my account. My account was closed without notice or reason ; the failed login attempts were the only way I found out. I tried to call support but the company redirected my call based on my phone number to an automated message on the basis they had closed my account, this effectively eliminated any chance of talking to a real person for support. My only recourse was to send an email and I received a generic response from the company about 11 hours later. Support suggested I was in violation of the Deposit Account Agreement. I read the entire agreement and it's not clear which provision ( s ) I supposedly violated. I was quite surprised to hear that I was in violation of any policy given I did not make any changes to my account info or transaction behavior. Additionally, I just verified my identity and source of funds for Chime between XX/XX/XXXX and XX/XX/XXXX of this year after they flagged my account for review. I responded to Chime 's last message asking for further clarification but they have stopped responding. Chime is currently holding +/- $ XXXX of my money, but I don't know for certain because I can't access any information or get in contact with anyone.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Finmax Smart Capital LLC (TX)

I received a call from a no called Id number I get calls from drs offices so I answered. A woman on the line said I was going to have some sealed documents served to me on XX/XX/year> at XXXX and I needed to speak with the filling entity so she gave me a phone number to call. So I dialed the number she gave me XXXX and the same woman answered and lied about not speaking to me and connected me to a debt collection agency. They agent with debt collection agency said I did not speak to them about that like that and didnt know what I was talking about being served papers. Its false representation of a legal representative to be able to serve documents. After tracking the account down the debt collector name is FINMAX and a secondary one called XXXX formerly know as XXXX XXXX XXXX.
Consumer complaint received 2021-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

I had a secured credit card with Wells Fargo. After roughly a year of consistently paying the credit card off each month ahead of schedule, they offered to switch my card to a non-secured credit card. I accepted the offer and thus they created a new card for me. The old, secured credit card was supposed to be closed automatically. 

Unfortunately, that did not happen and somehow transactions continued to occur on the card and worst of all payments I tried to make some how began to show as transaction amounts I owed. Subsequent fees and late notices appeared on the account. 

My wife and I have tried multiple times to work with Wells Fargo. The only people we get on the phone can't help us and the group they send us to doesn't appear to exist. We have spent endless hours trying to resolve this with Wells Fargo and at this point we don't have the time to continue to pursue this issue with them to no end.
Consumer complaint received 2018-12-29
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. (FL)

XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-12-12
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. (MO)

The three reporting agencies ( XXXX, equifax and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.
Consumer complaint received 2021-12-12
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. (MO)

The three reporting agencies ( experian, XXXX and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.
Consumer complaint received 2018-07-08
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. (NY)

I had a collection account on my credit reports from XXXX, Transunion and XXXX from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I required filed complaints against Bank of America - overdraft problems adds to more genitals discrimination attacks me that made me overdraft fees charges with history records. In addition, they discriminate me in ugliest appearances as they laughed me looked at me in very poorest ugliest appearances what Bank of America does not like me too much when I walked in this discrimination bank. They guffawed looked at me in poorest ugliest clothes and offered me in ugliest overdraft discrimination. Also, in the past time, XXXX Bank refused to open my personal checking account along with other XXXX Bank account refused to serve opening new checking account because Bank of America 's overdraft discrimination complaints. YOUR RESPONSIBILITIES MUST MUST RELEASE REPORT TO XXXX XXXX AND XXXX XXXX XXXX REQUESTS ABOUT BANK OF AMERICA 'S HORROR DISCRIMINATION AGAINST MY XXXX & APPEARANCES DISCRIMINATION ISSUES. BANK OF AMERICA MADE ME IN XXXX AS INSULTED ME IN XXXX INDIVIDUAL WITH OVERDRAFT HISTORY RECORDS!
Consumer complaint received 2022-12-16
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. (WI)

This is my several endeavor to tell credit bureaus 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 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 2022-07-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

Hey so I started with this company and they made me provide proof to get a SECURED cc. I gave a XXXX $ deposit. All of a sudden they started requesting proof of identity. Which I provided when I got the card for this secured card. My first problem was a charge from XXXX XXXX. They promised a credit and never followed through. I provided screenshots with names etc and Discover reversed the charge with the information provided. Which caused me to be over the limit. I continued to pay the bill. Then the last straw was stiffing me for my security deposit right as I was approaching my XXXX months. I would like my money refunded. I no longer care about having the card as it is now closed.