davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

I have been banking with Chime for the past year, and have never had any problems .... UNTIL NOW!!!!!! 
On XX/XX/21 I received an email from chime 's support team stating that my account will be closing on XX/XX/21. YES YOU READ THAT RIGHT!!!! my account was closed the same day i received the email ... NO heads up to transfer money and/or change my direct deposit info to my other bank account. The closure of my account happened THE DAY BEFORE my direct deposit was supposed to hit ... Well here it is payday and i have absolutely no clue where my check is.. I have no clue as to if my check was returned to my employer or not. I have called, emailed, DM 'd on XXXX  AND XXXX  and no one can give me a direct answer. I don't even care as to why it was closed anymore I just want to know where the XXXX my check is ... .... I would NEVER suggest someone to use chime especially all the scam claims that are coming out about them now.. I wish i would've known before I ever used them
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Terrill Outsourcing Group (DE)

On XX/XX/2019, I received a letter from Superlative RM ( see attachment ) trying to collect a debt apparently posted by the company XXXX XXXX XXXX XXXX. I have never heard of nor dealt with XXXX XXXX XXXX XXXX. Considering that my credit information has been and remains permanently frozen, I must question whether any debt was ever incurred in the first place short of extreme lack of due diligence on the part of XXXX XXXX XXXX XXXX. I am further aware of no debt with any company or person on my part short of credit cards which I pay off in full every month rather than carry a balance. I have not communicated with either Superlative RM or XXXX XXXX XXXX XXXX since the whole experience and rather threatening tone of Superlative RM 's letter has the feel a scam that could only grow if fed any personal information. XXXX   Superlative RM on the internet turns up not only numerous complaints but also a law firm specializing in dealing with problems with Superlative RM. Street view on XXXX maps of Suplerlative RM 's address shows a small, nondescript, unlabeled building behind a cinder block wall further reinforcing the unsavory impression of Superlative RM 's letter and its content.
Consumer complaint received 2022-08-17
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. (IL)

When I reinvestigated my credit report, I see that the inaccurate accounts was still reporting erroneous in my file. The Experian and XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2018-06-18
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. (IL)

For years I have had a student loan on my credit report from when I started school at XXXX in Fall of XX/XX/XXXX. I only took out federal loans to pay for tuition. However, the particular loan in question is a private one given by XXXX and is not mine. I never payed it any mind because I assumed it was actually my outstanding balance on my student billing account I have with them, which I've been paying off in installments. 
Now, years later, in XX/XX/XXXX, payments for that student loan suddenly stopped, which showed on my credit report. I received no other notice ( since it isn't actually mine ). I looked at it more closely and saw that it isn't my outstanding account at all. The payment amounts and balances don't even match : I owe {$1200.00} as of now ; I've been making payments of {$50.00} every month ; the student loan has a balance of {$3600.00} as of now ; it states that previously payments of {$40.00} were being made every month. No payments have been made since XX/XX/XXXX. I asked XXXX student account services about it. They said they don't report my outstanding balance to credit bureaus. That means the word " XXXX '' shouldn't even be on my credit report, making the amount I actually owe ( {$1200.00} ) irrelevant. I asked them if there are any loans I owe them. They are unaware of none, apparently. 
Naturally, I file a dispute with both XXXX  and TransUnion, as they are the ones reporting the account. XXXX  swiftly determines the account does not belong to me. TransUnion, however, somehow concludes that it is mine, with no explanation. I file another dispute with TransUnion, showing some evidence of my emails with XXXX student accounts services, pictures of my account statements ( which don't show me ever taking out a loan with XXXX, only federal loans ), as well as evidence that XXXX found it to not be mine. Now, TransUnion has yet again mysteriously determined that the account is mine. I don't know what account this is, so I couldn't even make the payments if I wanted to. Needless to say, this is very frustrating. I suspect that TransUnion is not doing its job and actually isn't investigating at all.
Consumer complaint received 2023-03-31
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-08-17
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-03-03
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. (TX)

The company XXXX XXXX tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX the Account from XXXX XXXX, the account number is XXXX and IC systems has violated my rights. 15 U.S.C 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.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Opened the card in XXXX, went to collections, paid the full XXXX $ due- XXXX XXXX knew it was paid and the debt collection agency Jefferson Capital , put two collections on my credit, that were over with. I disputed both one for {$590.00} and one for {$660.00} in XXXX, it came back and they deleted it from my credit report. But it still remains on there, and a few weeks ago the one for {$590.00}, itll be falling off in XXXX anyways because it will be 7 years. But they inaccurately put it on my credit and said I t was opened 4 months ago and was seriously delinquent, but never did i receive a notice or phone call saying I had a debt. But it was paid back years ago, and so was the other one. {$590.00} collection by the same Jefferson capital, was opened in XX/XX/XXXX. And they have it saying it doesnt fall off until XXXX. I have disputed this and it was 100 % inaccurate. As soon as I started to find a mortgage loan they come back to my life and say I owe this. And it should be illegal to dropping my credit score and making it look like I have derogatory marks with them on my credit report. They ruined my loan.
Consumer complaint received 2020-09-24
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. (IL)

Trans Union rental department ran my credit twice for the same company without my permission. My credit File is locked I did not receive a call or email stating that a company was trying to access my credit report. This action caused my credit to drop XXXX points that was negligence on TransUnion and I asked that it be removed in my credit score to be adjusted accordingly. I sent the letter out but I had no response
Consumer complaint received 2019-06-13
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. (TX)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX
Consumer complaint received 2019-06-13
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. (TX)

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

On XX/XX/2019 I received repeated calls from the following number concerning debt collection of a previous apartment payment. Two calls were received during work hours and another received around XXXX XXXX  when I returned home. Myself, family members as well as significant other was contacted by the debt collection company. When I answered at XXXX XXXX I was told that the company had acquired my debt and they needed a payment today or else my file would be marked as refusal to pay. I explained the situation to the representative on the phone and the call was escalated to a supervisor. The supervisor placed the file on hold and gave me time to contact my previous leasing office to verify the debt. I was told I had until XXXX XXXX on XX/XX/XXXX to give an update or my file would be marked as refusal to pay and my credit negatively affected. This morning XX/XX/2019 I had contacted my previous apartment and they had verified the balance as well as that the balance can be paid through the apartment company. I requested an e-mail correspondence of the charges as well as an other correspondence had with the apartment complex. When I contacted the debt collection service for the requested update I was told that I had taken bad advice, I had continued to take bad advice and that I need to resolve the issue today I then requested a debt verification letter to be sent to my address to verify the debt collected, they current owned that debt, and secure ways of payment and to confirm overall legitimacy. The representative was unable to answer many of my questions and had outdated information regarding my file. I was accused of trying to not pay my debt and told the call would be escalated if I did not comply. He said he was one of the nice guys, he already spent 9 minutes on the phone with me and refused to play this game with me. I could pay the debt now or he would end the call. The call was escalated to a supervisor who questioned why I could not pay my debt. I voiced concern that I could not pay today however wanted to receive written confirmation via a debt verification letter of their overall legitimacy. I was told that I had already received verification from the apartment complex and waiting would only add more to what I owed. They would continue to add 6 % interest on my debt until paid. It was also stated that the reviews I read where just people who owed money and will only be negative reviews. After much back and forth the call was ended and she placed my file in dispute.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX I sent a payment to my mother on Cash App and told her to cancel the payment. Per the Cash App instructions there is a way to cancel the transaction on the recipient 's side but not the sender. Although she tried to cancel it there was no function available on the App to cancel or refund the transaction. 

I informed Cash App of the California Law per their page https : //cash.app/XXXXXXXX Right to Refund for XXXX Residents You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Block, Inc., formerly known as Square, Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to Block, Inc. Finance Department at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the XXXX Financial Code. 

Their Chat Support informed me " This payment was successfully sent. We can not cancel or refund completed payments. '' The payment was not completed by the recipient and they were not given an option to cancel it.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management purchase my debt from XXXX XXXXXXXX XXXX  now charging me more then my past account. I never signed any documents to sell or send any of my personal information to a 3rd party which violate Section 809? Validating Debts required them to send me information I never received from them.
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WV)

Comenity Bank/XXXX  - I never missed a payment. I paid every month in full and on time. I closed the account after it again was paid in full in XXXX. I am consistently receiving harassing calls that I can not talk to answer, stop them or anything. The calls JUST started in XXXX. I do not understand why. I have not had an active XXXX MasterCard in YEARS. No debt. This report is 100 % fraud/misreporting.
Consumer complaint received 2019-06-13
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)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX  XXXX  XXXX , 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 2019-06-13
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. (TX)

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-07
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. (AZ)

I am reaching out to discuss an issue with a XXXX XXXX XXXX XXXX account that is reported inaccurately on my credit report. 

This particular account, despite having been charged off, continues to be reported as such on my credit report every month. Moreover, in some months, there is no data reported for this account at all. This inconsistent reporting further underscores the inaccuracy of the information being provided. 

As per the guidelines of the Fair Credit Reporting Act, all information presented on a credit report must be 100 % accurate. Given the ongoing inaccuracies and inconsistencies with this account 's reporting, it is clear that this standard is not being met. 

These inaccuracies are having a detrimental impact on my credit score, and I kindly request your assistance in rectifying this situation. I am seeking the removal of this charged-off account from my credit report, given the incorrect and inconsistent information being reported. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2019-06-13
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. (TX)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX   XXXX , XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ,