davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I tried to login to my Chime Account and found out it was suddenly closed. Ive been reaching out sent letter emails and even tried phone calls. Nobody will tell me why it got closed or anything. Ive even went as far as to trying to create another Chime but it wont let me. Ive never done anything fraudulent with them so Im not understanding the issue. If its cause I was barely using it its cause Im homeless money doesnt really get sent to me but majority of my family members or people that wan na help me have chime and now I dont.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

Midland Credit Management XXXX {$300.00}
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 bill statement, I had a balance of {$8000.00}. I had paid {$240.00} on the XXXX of XXXX and {$7800.00} on the XXXX of XXXX. I thought I had paid off the credit card to a XXXX balance. Bank of America had charged me additional fee of {$130.00}. I had paid my balance by the due date and I should not receive any fees. I had also paid off four other credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, but only Bank of America had charged me a fee after paying of the account statement. I am writing this as a complaint and also want {$130.00} which I had to pay on XX/XX/XXXX returned. No consumer should have a fee or another bill once the previous statement is paid off to zero. If the goal is the paid off your obligation aka credit card, one should not expect another after paying off {$8000.00}.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Great American Finance Co (IL)

Hello My name is XXXX XXXX XXXX XXXX XXXX maiden Name ) My social security number is XXXX XXXX XXXX My contact number is XXXX XXXX XXXX XXXX XXXX is reporting a very old account only on my XXXX report and not XXXX or XXXX Wanting to know why And if we can get the account XXXX from XXXX Thank you
Consumer complaint received 2023-01-01
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. (TX)

Dear CFPB, This account : MIDLAND CREDIT XXXX, MIDLAND CREDIT MANAGEMENT, and/ or MIDLAND CREDIT MANAGEMENT XXXX ( XXXX ) is reporting several inaccuracies and False Information. The reported Companys Name, and Mailing Address for this account is Different and inconsistently reported on my XXXX, XXXX, and XXXX report. 

XXXX : Name : MIDLAND CREDIT MANAGEMENT XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX LA XXXX, XXXX XXXX, XXXX XXXX, CA XXXX To my knowledge it is Not Possible or accurate for a Company / Account to have XXXX Different Names and Mailing Addresses. Furthermore a company is prohibited from reporting a XXXX XXXX XXXX and/or Mailing Address. 

My second complaint is this Account is reporting Past Due : {$640.00}, which is Falsely Reported because that would indicate that a prior payment arrangement was made regarding this accounts balance, in which I DO NOT have ANY prior or present payment arrangements. with MIDLAND CREDIT MANAGEMENT, MIDLAND CREDIT XXXX, or MIDLAND CREDIT MANAGEMENT XXXX. 

Also XXXX is reporting the date of removal XX/XX/2027, and XXXX is Reporting On Record Until XX/XX/2027. 
This is also inconsistent and inaccurate because these dates should be the same if the data furnished is 100 % accurate. This also a indication that this account may have been RE-AGED at some point. 

Please investigate the accuracy of the complaints described above. 
Thank you
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Sezzle Inc. (GA)

I reached out to the company several times via chat and email to move my last XXXX payments to another date due to a financial crisis, emergency. I was able to move the XXXX payment initially but it was moved to the same exact date XX/XX/2023 so I would be billed twice on the same date defeating the purpose of me moving the payment. The company told me over and over that there was basically nothing they could do, which to me is a denial of my own extension of credit to them. The original merchant already got paid in full up front, so there's no reason why the requests for me to move payments is a problem. The company XXXX is so unhelpful and cares nothing about it's consumers.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

I received a bill from Citibank in the amount of {$120.00} and I paid it in full on XX/XX/XXXX ( it was due on XX/XX/XXXX ) electronically. I received another bill in XXXX with a late fee of {$33.00}. I called Citibank and they informed me that they did not receive a payment and that I needed to provide them with a copy of the check and a copy of my bank statement showing the amount was deducted from my account, and they temporarily reversed the charge pending their investigation. I provided them with both the check and my statement on XX/XX/XXXX. I called again on XX/XX/XXXX when I received a letter in the mail stating that they were reversing the credit and charging me again. I called that day and they said they couldn't read the documentation that I sent them electronically and that I needed to submit it again along with the bank transfer information. At this point I called my bank and they sent me a letter with the information and I subsequently sent the information to Citibank again. I followed up with an email on XXXX and I received a message stating that I would receive information regarding the follow up once they completed the investigation. Again, I received a bill from Citibank in the amount of {$120.00} and when I called they said that they didn't receive the information requested so I needed to resubmit and that the account was still under investigation. When I asked every time to speak to a supervisor or someone who was in charge of my account I was told to just call back in 24 hours. I have made 2 trips to the bank and made 5 phone calls regarding this issue. I have submitted copies of my bank statement, a copy of the check provided by my bank, as well as a letter from my bank stating that the payment was made. They have no made no attempt to help me as the customer, no one has once called me to tell me that the information was difficult to read, nor have they asked me to provide them with a copy of these documents via the mail or fax, they just keep sending letter stating that I still owe the money.
Consumer complaint received 2022-09-11
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from  XXXX  2017 to present showing on-time monthly payments.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/2023, XXXX fully XXXX my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.
Consumer complaint received 2019-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I graduated college in XXXX. My first payments were around {$200.00} and I could manage that. Within a year, for reasons unknown, the amount increased drastically to around {$400.00}. Unable to make this payment and petrified I would go into default, I contacted Navient. The CSR explained I could go into forebearance, and I distinctly remembering being told I could only be in forebearance for a year. Fast forward to XXXX and the financial collapse, I contacted Navient again and was told not to worry, forebearance was an option. There was never a mention of the income driven repayment plan and I didn't learn such a payment vehicle existed until I read an article in XXXX XXXX in XXXX. I am currently on an IDR, but what is very frustrating is had I been on one back in XXXX, my loans would be nearing completion. Instead, I have thousands of dollars in interest charges! I sent letters to Navient over the years asking why my balance was so exorbitant, and never received a response. I simply don't understand why I wasn't offered an IDR plan rather than put into forebearance. That article in CR I referred to was titled I Kind of Ruined My Life by Going to College and while I am a proponent of education, I can safely say it ruined my financial life. Any assistance the CFPB can provide in the possible abatement of a portion of the interest charges would be an amazing fete for which I would be unbelievably grateful!
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (NC)

Address 's does not belong to me 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries do not belong to me Dispute this 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Farrell Holdings, LLC (UT)

The company is reporting that money is still owed on my vehicle loan. However, in XXXX of 2018, our XXXX XXXX was stolen from my husbands work parking lot. We had a police report, a claim in with XXXX XXXX XXXX XXXX, XXXX made it a total loss due to theft in XXXX of 2019. They paid the said company, {$6900.00}, per their XXXX day payoff. The title was given to XXXX XXXX and it was a closed claim and auto account. 
However, the company is reporting it as a charge of and that they are still owed for the car.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

Good Afternoon, This is XXXX XXXX, I use to live in XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have proof of emails going back and forth with the manager advising her 3 weeks ahead that I was going to move out of the XXXX XXXX due to raising the rent with out notice. I properly informed her send an email also filled out some paper work and returned it back through email. When I was about to move out the last day she did not even notify us where need to sign or drop off the keys. Also reasoning of moving the XXXX XXXX was infested with roaches she been notified multiple times to please do something about it but not really fix the issue where I started to get sick due to the roaches infestation. Leaving the XXXX XXXX I made sure I cleaned as much as I could but the roaches where still out she stated in a note that was no clean which thats in curtate also left due being sick I wanted to leave before I wasnt unable to make no more payments for my illness an not leave in wrong terms or have a bad credit on my side due to that also I have the agreement where it states the deposit they will use it for any circumstances am they are charging me for no reason I am unable to pay at this moment Im going in XXXX I believe I did the proper procedure in giving them enough notice to move out and not owe anything may I please be advised with some assistance.
Consumer complaint received 2023-05-23
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit report is showing violations. The listed rights below show the violations that were made against me. The first company that violated me was XXXX XXXX  and the 2nd company that violated my rights was XXXX  XXXX XXXX XXXX  XXXX XXXX, the following laws were violated by both companies : 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. 

XXXXXXXX XXXX account XXXX XXXXXXXX and XXXX  XXXX  XXXX 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 an 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

after reviewing my credit report, i have found numerous inaccurate names, aliases, and address do not belong to me. I want to ensure that you are onlynretaing and reporting true, current, and accurate information on my credit report per FCRA regulation and i demand, as my lawful right, for names and addresses that i have listed below must be removed immediately as they are not accurate and untrue.
Consumer complaint received 2022-11-18
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I have repeatedly asked PayPal to close fraudulent accounts opened in my name with my social security number since I was just a teenager. I found out about them last year when PayPal placed a limitation on my account. I only started using PayPal last year to make purchases on websites when I thought they were questionable because I heard about PayPals purchase protection program. I have been a victim of significant identity theft and my legitimate account was hacked early on but PayPals team was able to help me secure it quickly over the phone, for which I am grateful. I would like PayPal to please close and erase any accounts associated with my name, social security number, address, phone number, etc. that are not under the email XXXX. I did not create any accounts besides this one. Several PayPal employees have ensured me this has been done and the limitation has once again popped up several different times, so I feel I am being lied to and brushed off. Id appreciate if someone can help me sort this out once and for all. An old police report is attached from when I got a piece of mail from PayPal several years ago regarding an account I did not open. I mentioned it in the police report description. Please let me know if you need anything more.
Consumer complaint received 2023-07-11
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. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-11
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. (MI)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-11-18
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX