davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

On XX/XX/XXXX Chime closed my account and sent an email out stating that I violated their user agreement. I called them and they said a check with my remaining balance would be sent within 30 days but would not provide a reason for cancellation. I emailed again XX/XX/XXXX and XXXX asking for status of the refund and why my account was closed. They could not tell me they said. I went ahead and emailed and called a few more times until XX/XX/XXXX I received an email stating my account was ineligible for refund. I asked why and they did not provide the answer. I got on an 1hr and 28 min phone call with their member services team where they stated they had no supervisors and discouraged me from trying to speak to the supervisors I was transferred to 8 different people who I had to reexplain my situation to. They all read the same script from the email and were at the same level of the chain and said their is no course of action I can take and nobody to talk to that can review the situation. I received more emails that day replying to my email about the course of action I should take and why exactly and what I violated. They only apologized and did not elaborate. I then messaged the Chime XXXX on XXXX XXXX who replied and said her team will look into this. The back story to this situation is I am in the XXXX XXXX and used the app to receive money from family back home who were helping me out with a bill. I have XXXX dollars on the account and only wanted a refund at least. My lawyer told me to file this complaint after reviewing the documents.
Consumer complaint received 2022-09-09
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. (GA)

I am submitting this CFPB Complaint today to follow up the previous complaint I submitted on XX/XX/2022 requesting the Credit Bureaus to delete the dispute items. I have been asking for the Credit Reporting Agencies to provide me copies of proof of verification which until now, they have failed to do so. Under the Fair Credit Reporting Act, the Credit Reporting Agencies must correct my Credit File by either updating the disputed accounts to turn possitive or by completely deleting the dispute accounts from my Credit report. Once again, I am requesting that the Credit Bureaus remove the following disputed erroneous accounts completely from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-03-26
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)

An XXXX XXXX account appeared on my credit this account was opened frauduantly and I sued the car dealer and XXXX XXXX and was found not liable. Illinois attorney general office was involved law enforcement and the court system for consumer fraud trans union and XXXX  all removed this item because its not mine it was obtained fraudulently. But for some reason Experian doesn't understand the meaning OF FRAUD. I have reached out to XXXX XXXX but they cant help me because they cant verify information on account and as part of my settlement they cant even talk to me.
Consumer complaint received 2017-11-08
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. (CA)

XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I can not access my account for almost a month as it is locked and my mobile phone to access it stopped working. All they needed to do was remove 2 factor authentication for me so I could set it up on my new phone. Instead, they locked my account and I can not get them to respond to many, many messages and calls. Im stuck in a black hole of automated emails and replies that are going no where. I do n't even know if they are still working on my issue. I ca n't access my funds ( digital currency ) for almost a month now and meanwhile one of my digital coins is going down in value. 

Help! 
PS : None of the attached emails that appear to have solved the problem actually worked ...
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (FL)

I signed up fo r a Mastercard Gold Card through Barclaycard 's "  Luxury Card '' brand in   XXXX   XXXX    . Prior to signing up and activating my card, I called and verified that  Barclaycard  waived annual fees and granted  SCRA benefits to active duty servi ce members, which they did. Less than a yea r later, Barclaycard has   mailed me a notice saying they have changed their policies and rescinded the portion of  SCRA benefits that allow service members to have their annual fees waived if they were already on active duty when applying for their credit card. They will now charge an annual fee amounting to {$990.00} for myself and {$290.00} for my wife as an authorized user. The balance on the card must now be transferred to another card prior to cancelling, creating additional fees due to balance transfer. Barclaycard 's policy chan ge is unethical and forces service members carrying a balance to either pay a balance transfer fee to another credit card or pay an excessively high annual fee they were not anticipating.
Consumer complaint received 2017-11-08
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. (VA)

I received a correspondence for XXXX indication that Equifax reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. XXXX responded by instructing me to destroy my credit card in which I have good credit with XXXX for years. 

Equifax, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As Equifax has had a breech I believe in good faith that this is the result of this error in my credit.
Consumer complaint received 2024-01-29
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. (TX)

I have previously tried contacting all 3 bureaus to little to no avail. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V, for them to remove and/or block the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XX/XX/2023 - remove hard enquire ( unauthorized ) XXXX XXXX XXXX XXXX XXXX remove hard enquire ( unauthorized ) XXXX XXXXXXXX XXXX I XX/XX/2023 XXXX remove hard enquire ( unauthorized ) XXXX XXXX XXXX XXXX XX/XX/2023 XXXX remove hard enquire ( unauthorized ) XXXX XXXX - remove employment ( incorrect information )
Consumer complaint received 2022-09-09
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2017 Balance {$990.00}
Consumer complaint received 2019-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MA)

On XX/XX/2018 I purchased the following furniture ( a dining room set, a bedroom set, and a coffee table ) at a furniture store in XXXX. I was told that I was qualified to purchase the furniture items on credit and that I didn't have to pay the full amount for 6 months. I was also told that the documents pertaining to that purchase would be sent to me either in the mail or via email. Few weeks later I did not receive any documents so I called the person that I purchase the furniture from. He told me not to worry about it, that I would get it soon and that I had 6 months to pay. As time passed by I got busy with life, as Massachusetts was a new XXXX for me and working a new job. In XX/XX/2018 I called the person from the furniture store where I bought the furniture and that's when he mentioned that it was a third party that lent me money to buy the furniture and that I would have to get in touch with them to find out the statements in regard to the purchase. He then told me the company is called XXXX and then gave me their phone number. This whole time XXXX was taking $ XXXX on my account every XXXX weeks and by then they had already taken a total amount of {$4600.00}. The original price for the furniture was {$3200.00}. They also then told me that there was a remainder of {$2500.00} that I would have to pay to finish paying on the account. I spoke with XXXX representatives at XXXX about the matter and they both told me that I have to pay at least {$1200.00} to close the account. Due to financial hardship I don't have that amount of money to pay XXXX considering that they've already taken an excess of {$1300.00} on top of the original price of the furniture. Since then XXXX has sent my account to collection and that has dropped my XXXX XXXX tremendously. I tried to resolve the issue with them and even offer to pay {$700.00} to pay off the account and have the matter rectify on my credit report but XXXX refuses to work with me. At this point I would like XXXX to stop their deceptive practices towards the consumers and place my account in good standing with the credit bureau as it should have been.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (NJ)

I have been using money to XXXX to send money to family members as well as to use daily with my bills. Today I got an email stating they will be terminated my account with the balance of {$580.00} in it and after I keep emailing them that this was my rent money I tried to transfer to my wife. No one has replied there is not way I can contact anyone by phone and I just would like my funds. I am very upset because I can not 180 days for my money as this is an inconvience to my life. The person whom sent me the reply and is now non responsive is XXXX. Customer service cant help at all when they freeze your account this has been the worst experience ever.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

on XX/XX/XXXX i received a membership to usaa banking. i am not in the military nor is any of my family. which you have to be to join usaa. i have also recently received banking statements in access of {$400.00} coming and going out of the account. i tried contacting them to no success. their phone wait times are in excess of XXXX hours at all times of day, only via social media can you get hold of them, to which they respond with generic answers.my info was stolen and this place has allowed someone to doop them with fake military id and make an account in my name and arent responding at all to let me know what is going on. im not sure theres another business in the world that has XXXX hour wait times to talk to someone at every point of the day. i see why people have horrible reviews. i have membership card as well as the bank statements on hand.
Consumer complaint received 2022-09-09
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)

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (HI)

I began making payments for my school loans with Navient per my Income Based Repayment plan. I successfully paid off XXXX ( 2017 ) payments, after numerous attempts to contact Navient asking them to please postpone payments because I knew I would not be able to make that months payment. 

I made the decision to consolidate all of my loans. However, I never filed for a forbearance. What I did file for was a consolidation with an income-based repayment plan ( public service loan forgiveness ). Unfortunately, I have not received any documentation stating when the consolidation when through. According to what I see online today ( XX/XX/2017 ), I see all of my loans consolidated, but my next payment is {$990.00} versus the {$180.00}. 

The consolidation went through, but not the income-based repayment plan ( public service loan forgiveness ). I have tried to contact Navient on multiple occasions, however their hours of operation do not allow me to speak with someone since I am in Hawai'i and they are on the east coast. 

I am at wits end and unsure of what to do. I am submitting a fax to Navient, but most likely it will fall of blind eyes.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

the bank made an error with my statements & they've agreed to remove it ... for this account, XXXX XXXX XXXX Date opened : XX/XX/2018 Balance : {$690.00}. Please remove the late dates and update the status to Open/Paying as aggreed.
Consumer complaint received 2022-10-25
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. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I attempted to instate a credit freeze with XXXX, Experian, and XXXX. All attempts failed beginning at XXXX PST. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and XXXX to have to ASK my permission to use my identity information.
Consumer complaint received 2022-09-09
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)

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (GA)

Contacted me  three years after the debt that 's supposed to be mine. was never billed or told that I  owe them any money until about two years after they supposedly was given help or service from  XXXX  was supposedly performed to me. I had insurance for a  XXXX  and they asked me to make an appointment to get   XXXX   XXXX  . I never made the appointment never needed it I saw another  XXXX  and they did not think that I needed any more   XXXX   work so I never made an appointment to get anything done and then they billed me again for having a vavity filled and I never received any other service besides the initial service.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

In   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I received an alert from the my credit monitoring service stating that an inquiry was placed on credit files. The inquiry is a fraudulently inquiry via  XXXX  Bank as I did not apply for credit with this company. I called all  XXXX  credit bureaus to notify them of the fraudulent activity.  XXXX  and  XXXX  immediately removed the inquiry, but Equifax did not. Equifax told me to call   XXXX   XXXX   to have the inquiries removed. I called   XXXX   XXXX  . They stated that the would submit a request to the Equifax to have the inquiry removed, and to date, both inquiries are still being reporting on my Equifax credit file. I have called Equifax several times in regards to this matter and each time they tell me to call  XXXX . I called  XXXX  and they keep telling me that they have submitted the request several times to Equifax, but Equifax is still stating that they have not received anything and the inquires are still showing on my credit report. Please help
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.
Consumer complaint received 2024-01-29
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX.I am submitting this complaint without any influence from any third party or agency. There are inquiries on my consumer reports that were not authorized and do not have any accounts on my reports.