davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (GA)

My husband and I attended a NACA workshop over a year ago. We were assigned to a counselor to begin our journey to homeownership. We spent many months submitting all required paperwork to our NACA file, paying for membership dues and paying for credit reports. We were expecting to get qualified by XX/XX/2018, as indicated by our assigned counselor, XXXX XXXX, in XXXX, NC. When XX/XX/XXXX arrived, our counselor missed our scheduled appointment ( which was to qualify us for a home loan ) and after calling and sending numerous times, I finally reached her and she was very rude, unprofessional and lied several times about our scheduled appointments and missing documentations. She made excuses that documents were missing from our NACA file, even though we submitted every document she requested in our action plan, to our file and to her email. Finally we requested to speak with her supervisor and even requested another counselor. No one contacted us. I sent numerous emails to her supervisors complaining about her behavior and requesting assistance with removing her off our case and assigning us a new counselor so our case could move forward and we could obtain homeownership before our rental lease expired. Needless to say, several days passed with no response. I finally called member services and requested a new counselor, since our previous counselor was unassigned to our case. The lack of communication, missing paperwork, a rude and incompetent counselor and numerous delays have caused many hours of frustrations for us. We would like more oversight and advocates who are willing and ready to assist members obtain homeownership in a timely manner and knows how to demonstrate excellent customer service.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I'm a recent victim of three online scams including identity theft and financial fraudulent charged and unwanted charges. I've been in touch with all three credit reporting agencies. I want to place verify that an initial and extended fraud alert is in place with all three agencies and that they have received my letters of updated phone number, address and other updates. I want them to remove and add and new security freeze to all three files and a security alert. this needs to be done asap.
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I requested debt validation from this company in 2019, no valid documentation was provided, nor any payments were made to this company. I also disputed this with all 3 credit bureaus. Debt was not removed from my credit report. This Collection company ( Portfolio Recovery Services is affecting my credit score, as they keep updating the account, which is illegally re-aging my account, which affects when it will naturally fall off my credit report. They are reporting late payments on my account showing a balance, which is also a violation. 

With everything going on with Covid-19, and in general it is very important that my credit report is correct accurate. I recently sent all 3 credit bureaus new dispute letters to start this process over to get this company removed from my credit reports for unethical practices. 

Thank you in advance for your assistance.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (LA)

Discover has decreased my line of credit. I have paid off my balance and only missed one payment by 5 days. And my account went from {$11000.00} of available credit to {$1500.00}. As a customer for 3 years I feel discriminated within the use of fair credit reporting act and mistreated by a company that just reached out to me about a line of credit for my XXXX XXXX agency. It was very unprofessional to decrease a line of credit to worsen someones score who has been faithful and paid back efficiently. Discovers service is unacceptable.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

CREDENCE RESOURCE MANAGEMENT IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (OK)

I had a duplicate charge come out of my original unemployment card. Followed the steps to report fraudulent charge, cancellation of card, submitting documentation of fraudulent charge, and requesting a new card to be issued. Now its been almost 4 weeks and Im not able to get in touch with customer service after being on hold between 30 min to 1 hour I get disconnected. All I want is access to my unemployment benefits!
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a checking account with Bank of America. I also have a credit card with them on which I owe . Without my authorization they took {$1100.00} from my checking account & said they were using it to pay my credit card debt. 
Is this legal? can they do this to me? What can I do about it? Thank You!
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (MD)

Everyday relentlessly I am receiving 5 to 7 calls a day from this number XXXX XXXX XXXX which my caller ID is saying this call is being made from XXXX XXXX in XXXX. The first time I answered this call, The immediate message said Hi, This is CBE and anything you say will be recorded and all went silent then the call just disconnects. I searched CBE and it is a debt collection service with office based in XXXX, but I did not call or reach out to this company for any information. I have a call blocking service provided to me by my phone carrier XXXX which Identify scam or these type of calls but all it does it let my phone ring twice and disconnects the call but recently this same number comes in and my phone keeps ringing and my blocking service does no good as if thought the number is being proofed. I want this company to stop calling me PERIOD. I even tried to answer them to find out what they want but the call gets disconnected.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

Chime Bank Cuts All contact and freezes millions of peoples cards and accounts Chime Bank Cuts All contact and freezes millions of peoples cards and accounts. 
After doing some research being denied going to buy food and just checking my bank balance a couple minutes before, I do a simple check again and see a small notice that says chime had " intermittent issues ''. No further detail was given. 
I did a small search on XXXX and after no email or text or any notification, see a XXXX from chime. Were currently experiencing intermittent issues with our mobile app and website. Card purchases and ATM withdrawals are also affected. Our teams are working as quickly as possible to bring everything back online. 

For status updates, visit * link provided*. Looking through the comments I see that millions of others are experiencing the same issue for hours. No email no notice. People are finding themselves stuck at gas stations having police called on them, having cops called on them at restaurants, missing their sons funeral because of not being able to buy a bus ticket, being embarrassed, ridiculed, and worse. Chime blocked all of their contacts. No phones, no in app chat, no live chat. It was as if they tried to disappear and we had no access to our money. Chime then proceeded to block persons complaining on XXXX hide comments about complaints and ignore us continuously for hours. After 4 hours we still received no email, no phone call or text, no update in communication to tell us what we can expect or do. They still have their communication shut off and gave us no warning or anything as we go throughout our days with no idea of what's happening. Millions having been affected in the worse ways possible. Chime has done nothing to apologize even in the original XXXX  that led us to even know something was wrong. I feel violated as I just got the bank and already feel that I can not trust them with my business. I and hundreds of others that expressed themselves on XXXX expressed their disgust and anger and intense situations online with the company with no action to console or help anyone with their situation. Utter embarrassment and despair. 

How can I and many others take action for the damages caused by chimes questionable and harmful business decisions and actions in this situation?
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I never gave any written to furnish my private information to any corporations. 
As of XXXX XXXX XXXX  has reported an account to my credit report of {$8000.00}. 
They have violated my rights and have humiliated me in front of my friends, family and work place. 
My credit went from XXXX to XXXX with a months time do to this fraudulent activity. 
Im exercising my rights using federal law and demand these accounts to be removed.

15 US Code 1681c 15 US Code 1692
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: AMERICAN EXPRESS COMPANY (AR)

I've recently noticed through an email that I have a Serve American Express prepaid debit card in my name. The problem is I've NEVER signed up for a prepaid debit card EVER! So I'm trying to understand how there is a card in my name. The email I received said that my account statement is now available. I tried to see the statement to see what all kind of purchsces has been made but it requires a username & password that I do not have due to the fact that I'm not the one who opened the account. So that mean someone has applied for a prepaid debit card with my name & I'm TERRIFIED! I received the email on the XXXX of XX/XX/2022 which was approximately 2 weeks ago. I need answers on how this happened & what I can do to fix this issue.
Consumer complaint received 2019-03-27
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: ALLY FINANCIAL INC. (TX)

On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
Consumer complaint received 2018-05-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (FL)

Western Union is sending me email statements to my email address in regards to somebody else My WU account. I have contacted them and they keep refusing to look at the issue since they claim they can not find anything, still I have proof of the emails I receive from them, and I have verified that they indeed come officially from Western Union and is not phishing or spam.
Consumer complaint received 2022-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Venmo services froze my account on XX/XX/2021 with a balance of XXXX left in it I have contacted them on numerous occasions they will not tell me why or how my account was frozen so I decided to wait their 180 that their policly says to wait. After waiting their 180 days I tried to contact them again and they just repeated what they said the first time. Now it has been well over their 180 days that their own policy says its been over a year and they still refuse to let me transfer my money out and close my account I think ive waiting long enough...
Consumer complaint received 2018-10-19
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, XXXX XXXX Transunion : XXXX XXXX XXXX  XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Tronsunion : XXXX.
Consumer complaint received 2020-06-04
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. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2022 On XX/XX/2022 on deposited a check for the amount of {$35000.00} dollars from my credit union with over {$130000.00} dollars worth of cash funds into my Chase Bank Checking Account. At the time of the deposit the teller advised me that the the check for {$35000.00} in sufficient funds would clear in my chase checking account within 24 hours. 

While I monitored the above listed banking transaction on a daily basis with my lab-top computer and I had witnessed that chase would not transfer my {$35000.00} dollars cash funds for a total of XXXX days. It is important to note that the funds from my credit union account were withdrawn from XXXX XXXX account in XXXX working days from XX/XX/2022 according to my credit account monthly statement and Chase Bank failed to transfer my {$350000.00} do my Chase Checking Account for another XXXX days. 

It is important to note that when I deposited my {$35000.00} credit union check into my Chase Bank Checking Account on XX/XX/2022 Chase Bank attached an alert message regarding special investment opportunities regarding {$35000.00} check deposited even though the {$35000.00} dollars did not clear in my checking account for another 12 days. 

By Chase Bank 's failure to transfer and clear my {$35000.00} dollars cash into my long term checking account has created a hardship and penalties with payment responsibility. 

I AM REQUESTING TO BE COMPENSATED MONIES DUE TO NOT BEING ABLE TO ACCESS MY CASH FOR PAYMENTS TO CREDITORS. 

RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2018-05-19
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. (TX)

Ok i call Experian to Dispute a bill that was fraud, that was done by my son so i agreed to pay it and the company agreed to take it off, i recieved a letter in writing stating it will no longer report on my credit, but in the meantime Experian concludes their finding ( investigation ) say that they contact the creditor our XX/XX/2018 to verify the debit was mine but i receive my letter of removal XXXX days prior to their finding, so are the credit bureau really investigation wrongful credit on people consumer report are they lying to you just to keep bad credit on your report, this is agonizing and very frustrating for a credit bureau to do a consumer like this.
Consumer complaint received 2018-05-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (WA)

Key2recovery and XXXX XXXX XXXX say they own my debt. I started paying key2recovery then on XX/XX/XXXX I was mailed a letter from centeral portfolio stating I owed them the same debt. I started paying Key2recovery on XX/XX/XXXX
Consumer complaint received 2019-03-27
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. (CT)

I have contacted Transunion by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Transunion to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.
Consumer complaint received 2018-05-19
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. (MO)

On the phone on hold with Experian again now, first rep name XXXX advised him addresses on my credit report I have never lived at told him I am a victim of identity theft he said accounts are attached to multiple accounts on my credit report, party gave the information which are all fraud accounts in which they have received a theft report. I told the rep again I have never lived at the address on file at XXXX XXXX XXXX and was told I need to contact the fraudulent creditors on my report he refused to remove this address, this is a huge problem! I can't verify a address I didn't live at.. I need this address removed asap this could cause another breech with my personal information. I also need the information from Experian they are using to verify this fraudulent address they are refusing to remove. I need the name of Furnishers, Something with my signature as required by Law with the FCRA. I will not call & give my personal information to companies I have no knowledge of > This has to be illegal, my next step is a civil lawsuit to see if other victims of identity theft are having the same issues with this.I am also on hold again for another 30minutes.