davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX  has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On XX/XX/2022 on a XXXX. I received a text message and email notification that a XXXX XXXX has been replaced on my account. I now realize that I did not receive a notice from a new sign-in on my account. Also, I called the XXXX number and a male answered the phone, he denied being part of the scam. I personally do not know anyone in XXXX, Michigan, so I am more confused. Immediately changed back to my number and called CHIME, who did not take my allegation seriously. I changed my username, password, and pin, and requested a new card. I also noticed that all my saving funds were transferred to my checking and I transferred it back. Ive also kept the card LOCKED. And requested a new one which I still dont have. The next day around XXXX XXXX  on XX/XX/2022 an attempt to debit {$500.00} was made. I am sleeping at this time ; how could this happen? It dawned on me. I am suspicious of a CHIME employee. How can someone keep attempting to debit from my account and get through XXXX, which is all linked? AFTER, requesting a new card, guess what? I am still getting transaction attempts how is that? They also took {$10.00} for a tip. Why and when have I ever tipped them? I called informing them this was not something Id done. I was told it could have been a mistake and it would be returned, I still dont see a return. Who else has access to my card info and my account? I have never lost my card info or had it stolen. I have not given anyone my information to use. I need help. This situation with CHIME has cost me emotional stress and financial. To the point, Ive been shopping around for a more secured bank account. I was moving over to discover bank and they shut my savings down, not realizing I have been trying to slowly transfer my funds over and trying to catch up with bills that are attempting to take from CHIME. I would like to know whos behind all this activity and compensation of some sort. 

In the attachment, I included proof of someone is still using my card to make purchases from XXXX for {$39.00} and {$1.00}, I did not do or know who this organization is. Plus, this is XXXX XXXX, and never up this early. Another today at XXXX XXXX  for {$1.00} through a XXXX XXXX XXXX. 

Last nights transactions to my XXXX were all me as I have been desperately trying to get everything out of CHIME, but also paying bills, because I DONT have a DEBIT CARD for daily expenses, so I keep the card LOCKED the majority of the time. I need help because CHIME is not doing anything to help me.
Consumer complaint received 2020-08-08
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: EQUIFAX, INC. (TN)

I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.
Consumer complaint received 2020-06-16
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 (AR)

I opened a PayPal account to get my covid 19 direct deposited .Well after a few transactions they lock my account up with no explanation, then when I ask about it they said I can no longer use pay pal and they were going to keep my XXXX dollars or 180 day. 
Now mind you this is government money giving to my family.They need to go to jail for stealing from american families. 



Case # XXXX.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

To Whomever This May Concern : My name is XXXX XXXX. I have an account with Discover. I have had this account since XX/XX/2019. I just spoke with a XXXX and she gave me the run around on why I haven't gotten a credit limit increase, why my credit wasn't pulled when I requested in increase and the list goes on. I am not buying it. I am starting to feel that it is a discriminatory practice at this point. My score has sky rocketed. I pay the balance off completely each month. The utilization on my other cards are down under 30 % but yet by Increase continues to be denied. I have a XXXX XXXX XXXX that I received in XXXX. They raised my limit from XXXX to XXXX in XXXX. I have an XXXX card that started me off with a XXXX limit and it has since doubled. I also just got a XXXX card with XXXX and they quadrupled my limit. At this point I am like what is the problem. I have gotten to the point where I rarely use the card anymore because it isn't benefiting me at all. So, I would like someone to look at this issue and I would like for my credit to be pulled to see if I qualify for the limit increase. I look forward to hearing from someone soon.
Consumer complaint received 2023-01-06
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)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Experian sent me an email to check my credit report as a new account was added, it was a refinance of a current loan and was fine but while reviewing all I notice one of my old accounts that is over 7 years of is still be reported, this is a breach of the FCRA!! The account was with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I tried to dispute on with Experian but it would not allow me to do so and I also tried with XXXX  and as usual could not get in to do so! I want it removed and all of them fined for misreporting my information AGAIN!
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX &, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NV)

This company initially offered me a 120 day deferment on my auto loan with them and then when I called back to tell them that I needed the remainder of the 120 day deferment they stated that they were no longer offering that and advised that I would need to make the payment. I advised them that I had not returned to work yet due to COVID 19 and they stated that they feel that they have done everything that they needed to assist me. Then on XX/XX/2020 I received a phone call from someone in the collections department asking why I cancelled the payment online, this person was extremely rude and nasty.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (CA)

Who in is XXXX XXXX? 
They took {$170.00} From me, CHIME won't even investigate. CLAIM number XXXX Enough said. Investigated in 5 hours case closed no reason, first time ever making a claim. No PROVISIONAL. No time to even make it to the police station to file a report. You're not secure or professional to hold my family 's wealth in your hands. No way of talking to the claims department .. LOOKS LIKE THE DEPARTMENT IS IN ON THE SCAMS YOU ASK ME. THIS REALLY REALLY HURT MY FAMILIES WELL BEING YOU SHOULD NOT BE TRUSTED WITH ANYONES MONEY. I WILL PASS THIS ONTO EVERYONE
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, US DEPT ED. 
Company Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 2022-04-19
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX have all violated my rights as a consumer.

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 consent
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (CO)

Repeated threatening phone calls in XX/XX/2019. Said legal action had already been taken. Made several installments to pay the balance in full. Never received statement of payments emailed as promised. Payments didn't show up in my account under their name. Was told after first payment it was a sister company that processes the funds. Don't know this companies name anymore. No contact about the collection has been made to me prior to XX/XX/2019or after I paid in full. Also told them I was just getting off of XXXX and going back to work and I did want to fulfill my commitment after the first call but harassment continued until I paid the balance in full.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, US DEPT ED. 
Company Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX, 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 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

It appears that my personal checking account at PNC Bank can not be connected to my business checking account at another bank. My business account uses the XXXX XXXX to connect, which PNC has outright blocked. This is extremely annoying and limits my ability to move funds between my accounts.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on my credit report.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I mailed via USPS Priority Mail a letter to Citibank to pay off the balance with a XXXX XXXX check # XXXX in the amount of {$1500.00} stapled to the letter. A receipt from the USPS was received two days later that the letter was delivered to Citibank on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX a statement was received from Citibank that ( 1 ) failed to acknowledge receiving check # XXXX, and ( 2 ) added a XXXX past due fee of {$39.00} and a {$29.00} interest charge! After sending Citibank a letter of inquiry on XX/XX/XXXX asking why they did not deposit check # XXXX, a letter from Citibank dated XX/XX/XXXX stating they " were unable to locate your payment and you may want to request a stop payment on the original payment. '' [ NOTE, THIS WAS THE SECOND TIME IN THREE MONTHS THAT CITIBANK LOST ONE OF OUR CHECKS! Citi had ALSO previously lost our check # XXXX mailed to them XX/XX/XXXX, but later found and deposited it. 
After sending Citibank another letter dated XX/XX/XXXX disputing interest charges and late fees being added every month because Citibank had lost our XX/XX/XXXX check, we sent another XXXX XXXX check # XXXX in the amount of {$1500.00} to replace the XXXXXXXX XXXX check # XXXX that Citibank lost. 

Citibank has flatly refused to address the truth that THEY lost check # XXXX stapled to my letter the USPS delivered to them on XX/XX/XXXX at XXXX XXXX. They continue every month to add more interest charges and fees, failing to acknowledge that they lost my check and are trying to penalize me! I have no plans to be continually bullied by Citibank and am becoming concerned about my credit score if the CFPB can not confront Citibank on my behalf to protect me and my credit reputation!
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am trying to purchase a house and went shopping for the lowest mortgage rates. I thought I was supposed to have 45 days to shop or at the very least 14 days without adding a bunch of hard inquiries onto my report. Every single inquiry is counting as a hard inquiry even though I did them in the allotted time and now my credit score is taking a nose dive. How are people supposed to be able to shop for the best rate if it blows up your credit in the process? Even on the CFPB website it says I should have 45 days. This is just another example of why there needs to be proper regulation over the credit boroughs. There isn't even a way to dispute the hard inquiries with the credit boroughs and ask why they weren't treated as one. I tried opening a dispute but there isn't any way to dispute hard inquiries nor is there anyone to speak to about it.