davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have been the victim of XXXX predatory private student loans originally through XXXX XXXX, which were then transferred to Navient. The original total or disbursement of funds for both private loans was {$38000.00} ( XXXX loan for {$17000.00} and another loan for {$21000.00} ). Over a period of 12 years from XXXX to XXXX, I paid an out of pocket total of {$65000.00}. I also paid {$1100.00} in required forbearance fees as well as {$130.00} in late fees. I called XXXX XXXX/Navient throughout this time period requesting to lower my monthly payments as I could not afford them given the position I am able to hold with my degree. Customer service reiterated that I exhausted my forebearances, and that the only option was to extend the life of my loan, further continuing this predatory loan. I was able to refinance these loans totaling {$41000.00} after paying XXXX XXXX/Navient {$65000.00} plus fees. Navient received more than {$100000.00} from myself and the company who refinanced my loans. A {$38000.00} total loan costed me more than {$65000.00} out of pocket plus an additional debt of {$41000.00}.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I reviewed my credit report again and the following accounts are fraudulent need to be deleted/removed XXXX XXXX and XXXX XX/XX/XXXX. Experian has not provided proof or validity of these fraudulent debts that were opened in my name as I have tried to rectify the situation before
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (WI)

CashApp will not close an account that was fraudulently created in my name without having me submit card details to a third party website managed by Square. The company refuses to transfer me to someone who can close the account manually or provide information on how the account was opened in the first place. The issuer XXXX XXXX  also refuses to assist in closing the account and would not allow me to transfer to a security department either.
Consumer complaint received 2023-11-14
Product: Credit reporting 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)

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.

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 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NV)

I used Square ( Block Inc ) as a processing company for my clients. A client paid me {$150.00} 2 weeks ago and they still have the {$140.00} holding as a transfer in my account but they wont transfer to my bank.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CO)

Per XXXX XXXX XXXX XXXXXXXX XXXX  and ACH this transaction was in fact completed XXXX Chime is holding funds, Im almost XXXX XXXX XXXX and have been stranded with no money and no food and no shelter for 3 days and chime refuses to release my money this is twice now and quite frankly Chine needs to be shut down, they seem to think this behavior is ok to let an XXXX XXXX sit with no food no shelter and no way home for 3 days this behavior needs addressed now
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

**Complaint to the CFPB Regarding ChexSystems Falsified Report** I am writing to file a formal complaint against ChexSystems for improperly using my report and providing falsified information when I requested a copy of my report. This issue has caused me significant hardship, and I am seeking assistance in holding ChexSystems accountable as well as compensation. 
On XX/XX/year>, I requested a copy of my ChexSystems report as I suspected there was inaccurate information being reported. On XX/XX/year>, I received a response from ChexSystems stating that there was no information reported under my file. 
However, I recently applied to open a bank account and was denied. The bank cited that my ChexSystems report contributed to their decision. This raises the question of how my ChexSystems report could have been used for a decision when they had previously advised me that there was no information reported on me. This discrepancy is alarming, and it appears that ChexSystems is refusing to allow me my legal right to view the contents of my report. 
By providing inaccurate information and failing to disclose what is truly being reported, ChexSystems has violated multiple laws, including my right to fair and accurate reporting. As a single mother working full time, this issue has caused me emotional distress, as the inability to open a bank account has prevented me from obtaining employment, where direct deposit is required.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-12
Product: Credit 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: Block, Inc. (NC)

On XXXX XXXX I made a purchase with my cash app card ending in XXXX from a company called XXXX I received confirmation email that payment was received now payment was processed through my cash app and subsequently pulled from cash app through XXXX in order to pay the merchant. When I did not receive my merchandise, cash app made the suggestion that I close that card out and open a new one which they sent to me I have made several request for them to check to see if the money was refunded possibly to the old account and no one will even Acknowledge any of that or address that I never received the product. I went back-and-forth with the merchant. They offered me a refund told me it had been issued I contacted Cash App. I went back-and-forth with them for months. They refused to provide me with the refund. I got in contact with XXXX. XXXX sent me a letter from their legal team showing that the money was actually sent back from XXXX originally from the original merchant to XXXX and XXXX sent it back to Cash app they sent me a letter from their legal team proving this cash app refuses to return my money. They refused to even address the fact that the money was returned and they are just flat out stealing money from me. I looked online. They have done this to multiple people. Several consumers have complained that they are refusing to refund money and or they have taken money from their cards that was not supposed to be taken. I have done everything I know humanly possible. Ive called Cash App. Ive emailed back-and-forth with managers. I was even told by XXXX of their employees that once something is declined it is not considered it declines. It comes through a second time. They automatically declined it without reading it and whether or not the customer is right this is been the issue for me. I filed a complaint with the XXXX XXXX XXXX. They gave me some vague answers they have flat out, refused to address. The fact the merchant sent me proof that they returned the money that XXXX has sent me proof that they have returned the money. They refused to address that basic issue and they have refused to return my amount of {$370.00}. I need help asap please
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I am writing XXXX to dispute a recent collections account added to my credit report, by XXXX XXXXXXXX XXXX. I did live at the location, however, I was XXXX on short notice orders in XXXX of XXXX. Before I left, I paid what I was told by the representative would be the last payment on the account. However, after I was XXXX, another bill was sent to the former address that I know longer had access to. I have no problem paying the bill, if it is correct, however, I am disputing the lack of opportunity to pay the bill. I have included my XXXX and my ID as supporting documentation. Thank you.
Consumer complaint received 2022-11-29
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. (NJ)

XX/XX/XXXX company XXXX XXXX do by XXXX XXXX Dispute collections {$2700.00} called XXXX XXXX explaining i never had such account. ask for proof and factors of establishment in my name, ss, dob, address and exct...

Dispute for XXXX XXXX this account is collections {$5700.00} for auto loan I volunteer this vehicle because of financial difficulties XXXX  sent and balance of {$3000.00} after vehicle was sold at auction. I've called XXXX XXXXXXXX XXXX times asking of balance difference and why the account still open and says current on payments now 120 day late payments. 

I have extended fraud alert since XXXX and all credit boroughs are frozen I've been working hard and diligently on approving my credit report and score. I should not have inquiries, collections or closed accounts on my credit report. There should only be ( XXXX ) XXXX XXXX  account, ( XXXX ) XXXX XXXX, ( XXXX ) credit card accounts XXXX XXXX XXXX XXXX and XXXX XXXXXXXX which this account is closed ( XXXX ) tXXXX XXXXXXXX XXXX XXXX 

I Appreciate your time and I thank you in advanced for helping in resolving this situation. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (NC)

I ordered merchandise online from XXXX XXXX XXXXXXXX XXXX in XX/XX/year> that was going to be billed through Klarna. Within in XXXX minutes of ordering I called XXXX XXXX and canceled the order and called Klarna to inform them as well. The merchandise was shipped anyway and I did not accept the merchandise and it went back to XXXX as not accepted. Now Klarna has turned me over to XXXX collection XXXX for merchandise I canceled and did not accept. The merchandise was sent back to the sender 's address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX. I want Klarna to correct my balance to {$0.00} and XXXX to do the same. XXXX XXXX has contacted me through text and email from XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KS XXXX her email is XXXX. 

This has been haunting me since XX/XX/year>. I have called Klarna over and over to no avail. I will never use Klarna again because they have done nothing to rectify this situation. I don't owe Klarna anything. Your help is very much appreciated. 

I have all types of emails to XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX who received the merchandise back. If you will contact me we can find a way that I can forward all of this to you. I have too much to attach here.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TN)

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes reporting this account inaccurate! By Definition, the IRS clearly says a Cancelled debt or charge-off is Income. The account number XXXX has been charged off, but XXXX is still reporting this earned income on the consumer report. Discover has not sent a 1099c for the charged-off amount either.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

I have had over XXXX overdraft payments of XXXX some times XXXX in a row, canceling my account cause of it. poor oversight I want my money XXXX  totaling over XXXX $
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (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.

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 2023-03-15
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)

This credit reporting agency is reporting that I was late on a closed account that I had with XXXX XXXX XXXX XXXX. I disputed this, and the credit reporting agencies have ignored my requests. My payments were deferred in XXXX  due to covid so how could there be a late payment reporting. I contacted the creditor, and they informed me that none of the credit bureaus have reached out to investigate the account I disputed. How are you reporting in inaccurate account that you have yet to verify when I have informed you that it was incorrect? I am demanding that this late payment is removed, and the account is updated immediately. I have already tried to remedy this so I am expecting an update within 15 days or I will be moving forward with contacting the registered agent to move forward with legal action.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

It can to my attention that my information was fraudulently used as a co-sign for an auto loan with XXXX. I did not co-sign, I did not give my authorization for this co-sign. I requested the documentation from the company multiple times but have gotten the run around.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (VA)

I've sent a letter to the company asking to validate this debt. I've never received a correspondence in regards to this debt. I'm unaware of this debt. If you feel this is my debt I've never was given proper notification regarding this debt and or the opportunity to dispute this debt. if you feel like this debt belongs to me please send me a certified copy of the proper notification, proper receipt with my name and signature on it.
Consumer complaint received 2023-07-19
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: ENCORE CAPITAL GROUP INC. (IL)

I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character.

Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805.

In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer.

Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent.

As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (WA)

I have had my account with Citi for multiple years. They recently changed policy to charge me {$15.00} a month. I called and requested that I be able to close my account. They told me that they considered by account inactive, and would charge fees against an inactive account but would not allow me to close it without visiting a branch. There is no branch in my region. They then said I could send them a letter to request the account be reactivated, then ask them to cancel. 

This seems like deliberate sludge to make it difficult for a consumer to cancel an account, when all the information they request is information that can be provided over the phone.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (AZ)

I dont know the exact date that nelnet paid my loan off in full XXXX on XX/XX/year> is when XXXX XXXX received this for XXXX on a XXXX. So I contacted XXXX XXXX to find out why are they trying to collect a debt that has already been paid and theyre not the original lenders of the loan and ask are theyre committing fraud.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

I contacted NelNet that my XXXX XXXX XXXX loan monthly interest payment looked way too high based upon the principle balance ( {$29000.00} ) and interest rate ( 9.08 % ). XXXX on the phone told me to contact the school to confirm the principle balance. I contacted the school and the school told me they did not control the interest amounts. I was tossed back and forth between NelNet and the school multiple times. The school told me that the AD loan total amount is {$59000.00} to account for the spring semester but that has not yet been dispersed. According to the math, the interest on AD is being calculated off of the XXXX XXXX amount not the XXXX XXXX