davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Sezzle Inc. (VA)

I made numerous purchases using SEZZLE.COM, a buy now pay in four company. I have used them for over 18 months. I purchase items through them and then they charge my credit/debit card or checking account every two weeks until the item is paid for. 

In XX/XX/XXXX I became unable to pay my credit cards and Sezzle due to unforeseen circumstances. I notified them to stop billing my credit/debit cards and my checking account. They were notified in writing on : VIA EMAIL : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VIA XXXX : XX/XX/XXXX I will be glad to forward you a copy of each of these contacts. I have received 3 actual responses with one relevant, the one that says I am out of luck. 


With each of these notifications I asked for a complete invoice for everything I owed to be mailed or emailed to me. I also said as soon as I was straightened out I would contact them. They have either refused to acknowledge my communications, answered them with non relevant information, or basically say sorry we will do what we want. 

Since asking them over 4-5 times to stop trying to charge my cards/checking info they have attempted to bill these methods from 10 - 45 times per day. Two cards were canceled due to excessive declines, one sends me an email with each decline, and the other just locked my card. I am attaching a couple of the emails and will gladly forward more if you wish. These decline emails indicate decline because card not activated because the company canceled my card and issued a new one because of Sezzles activity. The new card can not be activated until Sezzle stops their attempts. I have also attached a screenshot of my inbox so you can see how Sezzle is Robo-Billing the cards after being told not to.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I received a notification that my credit card with Chase was closed. I called customer service the same day and was informed that my account was closed due to Bank Policy. The supervisor refused to provide the details of closure and reiterated that our relationship has ended. On XX/XX/2021 I received a call from XXXX from Chase executive office who refused to answer any of my questions just kept repeating that they do not own any expatiation as to why account was closed and did not want to discuss it further. However, I do know through the information that I was given, that account was closed due to excessive disputes. What I do not know, how the bank calculated it and what excessive really meant if it was done in a good faith. I do have good history of paying my bills and was never late with y payments. The account was closed without any notification or review nor explanation what excessive disputes really mean.
Consumer complaint received 2021-12-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On or about XX/XX/2021, XXXX XXXX Experian received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.
Consumer complaint received 2021-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On or about XX/XX/2021, TransUnion XXXX XXXX received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX  did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.
Consumer complaint received 2021-12-28
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. (NY)

If the XXXX credit bureaus, XXXX, Experian, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I was in a forbearance plan due to the impact of COVID shutdown and income was lowered.Now the forbearance is up I wanted to start making payments again and mortgage company wants me to pay XXXX dollars up front and will not take any lower payments.I do not have XXXX upfront.
Consumer complaint received 2021-12-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (IL)

Hi! I have had a recent dispute with XXXX that is now closed. My credit score ( prior to this event has always been in upper XXXX ) is dropping rapidly and keeps going down due to a debt from Choice Recovery that has this account listed under NOT MY NAME. The girl has my same date of birth, but her name is XXXX XXXX, which is not my name. I told both Choice Recovery and XXXX about this issue and they recommended the dispute, assuring me the issue would be caught and handled. I did threaten to send certified letters but I feel I have obtained enough evidence from a simple phone call to prove this isn't my debt- why should I have to go through all the extra work and extra expense when this isn't even MY DEBT! I will start sending these certified letters soon if my credit score continues to plummet. This is disheartening what is happening to innocent people who work really hard and pay back anything they borrow. It is very sad, and I hope someone can make this right for me and my score. XXXX
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

If the three credit bureaus, XXXX, XXXX, and TransUnion, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021 I was charged {$1200.00} that I did no authorize. So I submitted a claim like anyone would do. The merchant involved is XXXX. 

I waited for a temporary credit that never came instead on XX/XX/2021 I got an email basically saying my case was closed & no further action would be taken. I was stunned and still am. I tried to call in to speak to claim services however nobody would tell me anything. 

So now Im here trying to bring justice to whom ever used my card information at XXXX. This really put a damper on me and my family. I already make around minimum wage... now my account is in the negative {$720.00}. So I ask that someone please get to the bottom of this and make things right. 

Thanks XXXX XXXX XXXX number ; XXXX Entities involved ; Bank of America XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I pulled a consumer report XX/XX/XXXX and I noticed items on my credit that should not be there. I contacted the companies to have the items removed. They did have refused to remove the items or produce the evidence that the debt belongs to me. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXT XX/XX/XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX MAIN XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX please remove the following information Names : XXXX XXXX WILL, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have paid several accounts off this year and both the company and TransUnion have not been willing to update my credit report. What's interesting is that XXXX  already shows the balances paid and my credit report updated, but TransUnion isn't willing to and I can't get anyone at TransUnion to talk to me.
Consumer complaint received 2021-12-28
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)

I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (PA)

I applied for the indigo card on XX/XX/2021 after reading that there was a {$0.00} annual fee. At the conclusion of the application I noticed that some of the words were covered up but wasnt able to to move the tab. I called immediately to report this and ask about an annual fee. They told me there is an annual fee and I told them I did not know that because the application was misleading and I want to close the account. They informed me that they closed the account. On XX/XX/2021 I received a letter that the account is closed but there is a {$75.00} balance for the annual fee. I feel they are misleading people by obstructing the annual fee during application and then mandating people to pay when they dont want the account. I should not be charged an annual fee because of this issue and misleading application. I did my due diligence to report this immediately and a card was never issued. I want this account closed without a balance because they did not provide me any service and misled me.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My checking was changed with proper notice. The account has received over {$750.00} worth of fees because of this change. I deposit money in the account to avoid fees but the funds are being held up by 3-5 days Making my account go negative. I have notification the account to avoid fees but the funds deposited in the account has been access to fees. The fund should be funded to the account to avoid fees ; BOA. Policy states that fund deposit in the account within 24 hours wouldn't be accessed a fee. But my account has been access with multiple fees before the 24 hours are over. I try to discuss the concerns with the customer relations manager. But was told it's not his problem.
Consumer complaint received 2021-12-28
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 — Investigation took more than 30 days
Company: Phoenix Financial Services LLC (OH)

On or about XX/XX/2021, XXXX XXXX XXXX received a via certified mail, a notice that an alleged creditor PHOENIX FINANCIAL SERVICES did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent PHOENIX FINANCIAL SERVICES the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.
Consumer complaint received 2021-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Georgia Student Finance Authority (GA)

I was contacted on XX/XX/2021 by a Georgia Student Finance Commission agent who informed me that a payment was due on my account. I informed the agent that my account was in forbearance or in deferment. The agent told me it ending a month or two earlier. I informed the agent that I was not made aware of the change. I asked the agent about applying for a forbearance or deferment for economic hardship. The agent asked if I was employed. I informed the agent that I am employed but due to other financial obligations, and financial strain that I could not afford to make the payment or future payments at this time. The lady told me that I would not qualify for any of the options. I asked to agent to still send me the documents so I could fill out the one that applies. As I viewed the document it only list the following option to apply for ( listed below ) : I am experiencing a Student Loan Debt Burden. One year increments, XXXX years total. 
Monthly payments on my Title IV loans ( including XXXX, XXXX, and XXXX ) are equal to or greater than 20 % of my total monthly gross income. 

I am engaged in a XXXX or XXXX XXXX XXXX XXXX One year increments, length of program. 
An authorized official must complete section XXXX of this form indicating the beginning and ending dates. 
I am serving in XXXX XXXX ( XXXX ), XXXX XXXX, or XXXX repayment. One year increments, length of program. 
Supporting documentation from the authorized official indicating the beginning and ending dates must be supplied. 
I am serving on active XXXX XXXX duty as a member of the XXXX XXXX. One year increments, length of program. 
An authorized official must complete section XXXX of this form indicating the beginning and ending dates. 

Each of the forbearance qualifications given does not apply to me. Georgia Student Finance Commission updated there form in XX/XX/2021. Before the form was updated I qualified for the forbearance. This company no longer accepts medical or other debt as financial hardship, it only has to be unemployment status or student loan payments 20 % higher than you monthly income. This is making it extremely hard on my finances during this pandemic. I can not afford to make payments at this moment and my financial hardship reasoning should be accepted. This is also affecting my credit scores and mental health.
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC (WA)

In XXXX of 2021 I took a XXXX dollar loan from this company. I was told I would have XXXX payments of XXXX to pay it off. Which is what the first payment in XXXX was. They then began taking double the payment at every payday as opposed to to once a month. I called to try to pay it off and the interest has accrued at an insane amount. I would never agree to a XXXX XXXX percent loan. I have been out of work due to XXXX and called and asked to speak to a supervisor and each time they put me on hold and then said they would call back and never do. They are taking advantage of people amid the pandemic. I have already paid back XXXX times the amount of the original loan. What they are expecting is insane. The attached documents show the payments they doubled and started taking per biweekly which was never the agreement they told me on the phone.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (FL)

This complaint is against this online financial institution calls Gemini. I currently have {$58000.00} in their keeping. On XX/XX/XXXX. I initiated a withdrawal for {$2000.00}. Withdrawal is supposed to take 2-3 days. I waited a week, it never came. On XXXX the XXXX. I initiated another with withdrawal for {$1000.00}. Shortly after I received an email telling me that Id have both amounts deposited into my bank account on the XXXX. I gave my landlord a check and paid 8 days late fee ( {$10.00} a day ). The money never came. My account says that its being processed till now. My check bounced and all my other bills are unpaid. I reached out to Gemini ( XXXX  ) via email ( that is the only way they can be reached, conveniently ( for them ). I asked for an explanation. I received a generic email about their withdrawal system being unavailable and the promise that they are working to fix it. Two days later, I sent another email requesting my account be closed and my balance transferred back to my back. I am still waiting. 
So far, Im still able to log into my account and see my balance. But nothing else is happening and no further explanation has been provided. They dont even have to decency to appease people with a live conversation. 

My account is under this email : XXXX Thanks
Consumer complaint received 2021-12-28
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )