davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (IN)

I had debt in collections from XXXX  for XXXX XXXX This account had opened I believe in XXXX. 
Due to the age ( XXXX years ) and also XXXX  filing bankruptcy and selling old debt I disputed this with them through XXXX XXXX XXXX of this year the debt was reopened ( saying its new and its term in collections began XXXX of XXXX ). That is false. They are re-opening old debt and publishing it on my report as new. Providing also false information.The credit was removed due to age and being charged off and then reopened yet again. I have disputed this several times and it has gotten nowhere.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XXXX XXXX XXXX  I made a payment regularly to XXXX XXXX  for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also there are two accounts that dont report consistently with the same account number. I have attached those as well.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (PA)

Email indicating that I was going to be billed nearly {$500.00} for XXXX XXXX and if I didnt want it to call the phone number. It was so realistic that I felt I had to respond. I have a XXXX  XXXX  and should have been smarter. I terminated The call and the fraudulent party continued to ring my phone, they finally gave up after about 15 minutes of calling and I had blocked each call. 

Weve insured we have not suffered any financial losses. My wife is at our bank and will change all the logins and passwords and our bank is closing the accounts involved and creating new ones. 

I send this in good faith that it might provide some additional piece of information to help catch these people. 

My number is ( XXXX ) XXXX. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TN)

Chime has been false advertisement about early two day pay check payments. Its been going on for years. 
started job XX/XX/year> checks be around XXXX to XXXX. I'm always waiting to get paid. please help me
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (KS)

XX/XX/year> I had a deposit hit from fidelity for my XXXX balance withdraw. I then went to uhaul to get a uhaul truck to finish the moving process from XXXX ks to XXXX ks. XXXX purchased in XXXX costing around XXXX . No transaction problem. At a gas station in XXXX ks, I was attempting to purchase a energy drink and a pack of cigarettes before I tried to head to XXXX. Costing roughly XXXX XXXX My transaction declined, and at XXXX XXXX I make a call to chime that lasts XXXX minutes and XXXX seconds. They fixed my card with whatever issue was causing the decline, failed to give me a reason for the decline. But nonetheless my purchase was approved. Then I head to XXXX ks and at XXXX XXXX I am making a call again to chime because I was attempting to use my card at XXXX. Transction costing roughly XXXX . The transaction was once again declined, so I was calling to figure out the situation. The agent on the phone did not give me a reason but was saying my account was closed for I believe he claimed identity theft, and was stating that this was a no refund action that I could do nothing about. This call lasted 31 min and 31 sec. I call back at XXXX XXXX  and come to no conclusion. Call lasting 15 min and 22 sec. I call again at XXXX. 13 minutes and 1 sec. And once again I call back at XXXX XXXX  requesting for a supervisor and that call once again went nowhere only lasting 4 minutes.

I recently have been between jobs so my direct deposit was not hitting my account for roughly 1 month. I have had a recent change of phone number and address that I attempted change for my account during my call at XXXX.
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

I noticed a {$3.00} charge for fees and interest on my Lowes Reward statement. I've only had a carryover balance XXXX because I pay my statement balance. This caused me to go back and look at previous statements and I found several more but I'm not sure how many. I knew I had paid this one off but I had a balance if {$2.00}, I found out today this is their minimum interest! It was confirmed not only are they charging interest on the balance but also the balance I've paid.example in XXXX i charged {$150.00} and paid {$75.00} leaving a balance of {$76.00} for XXXX, however they charged me interest for {$150.00} daily! It was confirmed they will charge on balances paid so when I've paid my balance in full they go back and add interest I'm not aware of so again it adds a balance they can charge interest on the FULL past balance.i have XXXX credit cards and I never pay interest because I pay them off or have 0 % .This is fraudulent and deceptive.i am a XXXX senior on a fixed income if they are padding my bill how many more ppl are not aware? They advertise points to earn {$5.00}, never received XXXX, advertised special savings never had one, there missing purchase receipt for a {$91.00} charge. The charge is in the credit card doesnt match lowes records. Icontacted lowes and chase several times still haven't received a receipt or explanation.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-04
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-04
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: EQUIFAX, INC. (IL)

To whom this may concern, According to the IRS an unpaid or paid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. 

( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account as this is misrepresentation of my character.
Consumer complaint received 2024-08-04
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. (GA)

IVE RECENTLY CHECKED MY CREDIT REPORT AND IVE NOTICED SOME UNAUTHORIZED CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-04
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. (FL)

I disagree with the account listed below which still appears on my credit report. Even after investigation, I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 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 1681XXXXXXXX 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 XXXX XXXX XXXX In accordance with the fair and reporting act public law 91-506 Title VI section 611. Please provide the name and the business address of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OK)

I am unable to obtain a accurate score or to have the information updated. with Experian XXXX or XXXX they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FB FINANCIAL CORPORATION (MN)

My credit report shows that my XXXX home was in my bankruptcy. That was in XXXX. I was still making payments until the last month of XXXX when my daughter had XXXX and I was getting divorced. I'm sending papers to show I was up to date in XXXXXXXX XXXX XXXX Then they took my home and had it for sale for XXXX and I never got a dime back and was evicted. I barely owed anything on there and they did that when it was XXXX XXXX XXXXXXXX and now they are messing up my credit.
Consumer complaint received 2023-11-10
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Please validate the following debt with the assignment contract chain : XXXX XXXX XXXX # XXXX Portfolio Recovery # XXXX I request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In order to verify the legitimacy of this debt and ensure that you have the legal authority to collect on it, I request the following information : 1. Complete Validation of Debt shown above : - Provide the original agreement or contract that created the debt, signed by me.

- A detailed breakdown of the amount claimed, including the principal, interest, fees, and any other charges.

2. Assignment and Chain of Custody of Debt shown above : - Documentation showing the assignment, sale, or transfer of the debt from the original creditor to your agency. This must include a complete chain of assignment from the original creditor to you, showing every intermediary that held the debt before it was assigned to your agency.

- Copies of any assignment contracts or agreements, including any agreements between the original creditor and any debt buyers, and between any subsequent debt buyers, leading up to your agency.

3. Proof of Licensing and Authority of debt shown above : - Proof that your agency is licensed to collect debts in my state of residence and that you are legally authorized to collect this debt. 

Please consider this a formal request for the assignment contract chain, and provide me with all pertinent information, including but not limited to the documents listed above, within 30 days of receipt of this complaint. 

If your agency can not provide the requested validation and assignment chain documentation, I will consider the matter closed and will expect any negative information to be removed from my credit reports with all credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request that all communication regarding this matter be conducted in writing and sent to this address : XXXX XXXX XXXX XXXX NY XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-17
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: CITIBANK, N.A. (NJ)

I am writing to formally file a complaint and follow up regarding American Express 's failure to comply with my opt-out request. Despite my notification to American Express to opt out of their marketing and data-sharing practices, I continue to receive communications and see evidence that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to honor consumers ' privacy preferences, including the right to opt out of specific information-sharing practices. American Express has failed to meet this obligation. As a resident of New Jersey, I am also protected under state privacy laws that mandate organizations respect consumers ' privacy rights, further compounding this violation. 

Additionally, 15 USC 1681a ( q ) ( 3 ) outlines the permissible purposes for sharing consumer report information. By continuing to share my information without my consent, American Express is violating this provision. Furthermore, they are non-compliant with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is utilized and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements. 

In light of these violations, I request immediate action to ensure that American Express ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and fully complies with the relevant laws.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-10
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. (MS)

I have submitted several disputes to the credit bureaus XXXX, Experian and XXXX. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately Im tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Equifax, block information appearing on my credit report that is the result of identity theft and fraud.

Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX on XX/XX/2014 under account number XXXX. 

I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft.

Demand for Relief : I request that you, Equifax, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (MS)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

On XX/XX/year> I wrote XXXX, XXXX and Equifax about certain items on my reports. To this date, I have NOT received any updated reports from either of the bureaus.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.