davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I had my identity stolen during the first week of XXXX. The thieves stole {$16000.00} from my XXXX XXXX and then transferred the money into a Chime Account that they opened under my name. 
In an effort to do my due diligence I called Chime to close the account and asked them to send a check for the balance within that account. 
I reached out to Chime in XX/XX/XXXX of XXXX. They asked me to submit the last XXXX digits of my social security, my state ID, a picture of me holding a paper with the current date and my state ID. I also talked to customer service multiple times to resolve the issue but the way customer service is set up at Chime, basically I was led around in circles every single time. Each time I was promised contact with a higher up team that was not reachable via phone that would resolve the issue. But such a team never reached out. 
Finally in XXXX, I threatened with filing a complaint with the Federal trade commission and litigation and thats when did they reach out. They asked me to send in the same documents again along with an Affadavit of Identity theft. I submitted said documents XXXX times, but still Chime has yet to resolve the issue. 
They are refusing to send a check for my closed account, and making the process of getting said check unreasonably confusing. I have provided multiple documents proving my identity, and Im still being led in circles. The money is no small amount either - its my life savings. Please help.
Consumer complaint received 2017-09-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I HAVE ALREADY HAVE MANY PROBLEMS WITH THIS BANK I MADE A PAYMENT OF {$1000.00} TO XXXX XXXX, BUT CITIBANK RETURNED THE PAYMENT WITHOUT MY AUTHORIZATION WHEN I REALIZED THIS CALL CITIBANK TO CANCEL WHICH OPEN DISPUTE IN MY NAME THE BANK CANCELED THE DISPUTE AND RETURNED THE FUNDS, BUT NOW XXXX XXXX DOES NOT RECEIVE THE ALREADY I PREVIOUSLY MADE A DISPUTE ON THIS INFORMATION AND CITIBANK ANSWERS THAT THE FUNDS HAVE XXXX XXXX SAYING THAT XXXX XXXX IS THE BANK OF XXXX XXXX BUT IT IS NOT TO ME I ALREADY CALL XXXX XXXX AND COMMENT XXXX FROM CITI BANK 'S RESPONSE BUT XXXX XXXX SAYS XXXX XXXX  IS NOT ITS BANK, XXXX XXXX SAYS THAT THE BANK OF THEM IS ( XXXX XXXX ) NOT XXXX XXXX TO WHICH CITIBANK DELIVERED THE FUNDS TO ANOTHER REMOVAL OBTAINED FROM THE SAME BANK CITI BANK ... AND THROUGH THIS PROBLEM AND RECEIVED CHARGES OF {$350.00} FOR PAYMENTS AFTERNOON AND FOR INTERESTS ..
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (OR)

Authorized background check for employment on XX/XX/XXXX to XXXX XXXX who used XXXX XXXX XXXX for background check. Background check showed a misdemeanor from XX/XX/XXXX that was expunged on XX/XX/XXXX.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pan Am Collections, Inc. (IL)

PanAM collection contacted me first by calling my cell phone and left a voicemail. Called them back to find out who they were and why they were calling me, told me they were collecting a debt on a medical bill. They continued to call repeated times. The bill was paid in full with the medical group, documentation was send to PanAM collection company showing the bill was paid for the full amount listed on the bill! When the called a few weeks ago they were told the receipt was mailed out and XXXX proceeded to use profanity towards me.
today I received another phone call from XXXX first on my cell phone then to my house phone, my wife answered the phone and told him the bill was paid in full and he is requesting more money be paid.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX ) approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (ME)

After years of using XXXX, I received a letter from XXXX on XX/XX/XXXX that stated : " During a recent review of customer accounts, we discovered you were using a significant amount of data while roaming off the XXXX XXXX XXXX. 

While we appreciate you choosing XXXX, after XX/XX/XXXX, we will no longer offer service for the numbers listed above since your primary place of use is outside the XXXX service area. 

We encourage you to evaluate your wireless provider options and switch your service on these lines to another provider before XX/XX/XXXX. After your XXXX is discontinued on XX/XX/XXXX, you will no longer be able to transfer your phone number to a different provider. '' I switched providers on XX/XX/XXXX. Having to start over was very costly as the new provider did not support any of the devices we were using with XXXX. The letter also go on to state that outstanding balances will be waived no later than XX/XX/XXXX. 

I called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with them. 

I received another bill from them after I switched to a new provider. I called them again and clarified that balances would be waived. I believed my accounts with them had been settled and closed. 

I reviewed my credit report and I now have an account in collections from XXXX opened on XX/XX/XXXX for the amount of {$240.00}. I do not believe that this is valid. I have already disputed it with the collection agency, Jefferson Capital System. This was their response, " Account information disputed by consumer, meets FCRA requirements. ''
Consumer complaint received 2017-07-10
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. (NC)

Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TN)

This company has threatened to ruin my credit e en though that is against the law to make threats. They also have been told that Ive never owned an animal to have a anima hospital bill in my name. Im allergic to cats and dogs so its impossible for this debt to be mine! I want this deleted from my credit report immediately.
Consumer complaint received 2019-10-28
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: AMERICAN EXPRESS COMPANY (NJ)

I have a closed credit card on my XXXX credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with XXXX, but have not been successful. I really need and would appreciate some help.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gragil Associates, Inc. (VT)

I am having issues with the company Gragil Associates, I never received the initial paperwork claiming I had a debt go to collections with them. I have been paying to them for 4 years now. XXXX a month. The company is refusing to give me the ammounts in writing. The company is claiming I owe more money now. I have been keeping track of how much I have paid and how much I owe. They said they do not need to give me any records because they are " not a billing service. '' I just want to see how much I have paid and the original bills and they are refusing to do that. I should be able to see what I have paid off and how much I have left on the account. The company said I could go back and look at my bank account and track down how much I have paid. This is the 2nd or 3rd time they have not added payments in their system. I feel like I have paid more than I should have already.
Consumer complaint received 2019-10-28
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. (NC)

Transunion TransUnion Consumer Solutions XXXX. XXXX  XXXX  XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2017-11-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA)

XXXX XXXX, you have 24 hours to reply to this NOTICE! 

There has been great fraud with XXXX not able to do business in California from XX/XX/XXXX to XX/XX/XXXX and the DOT was in XX/XX/XXXX which made it void and was not a deed of trust it was Void from the start, and Forgery of my name on the 1-4 rider and won by default in court by way of no Jurisdiction case dismissed. Everyone including XXXX XXXX XXXX XXXX of yours has been involved trying to foreclose on a non existent DOT. 
I am of need for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. 
There are many arrest WARRANTS issued of 42 Individuals so far with a bill by notice of default sent to 5 different Agency 's Including : Donald Trump, DOJ, GAO, U.S. MARSHALL, SHERIFF DEPT., and now Donald Trump is reorganizing this site as well with the CEO stepping down. see notes to all of the 3 Companies that are doing the fraud, and have no problem issuing more WARRANT AND DEFAULTED BILL TO ANYONE WHOM IS INVOLVED AS A 3RD PARTY COMMITTING FRAUD AND KNOWINGLY OF THE FORGERY. 

notice to and other Agency CEOS ... XXXX XXXX XXXX CEO or Vice President of XXXX XXXX You have 24 hours of this Notice to reply from today 's date as you have not responded in the time allowed previously, please see attachments. XXXX XXXX XXXX NON DISCLOSURE!!! ALL RIGHTS RESERVED ( XXXX : see link above. ) XXXX XXXX as acting as TRUSTEE AND XXXX XXXX XXXX XXXX. AS WELL AND SERVICING AGENCY AS SERVICER is in collusion all together to try and pillage the lands and properties of XXXX, XXXX and many others across the lands, This is in Collusion with ... ... ... ..No Abandonment claim nor right to Service, XXXX XXXX XXXX XXXX  XXXX can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and XXXX XXXX Material Violation Select Pretend Services Transfers and servicing of financial assets - XX/XX/XXXX - Sale of mortgage servicing rights with a subservicing ... Regulation AB mortgages , installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortgage Violates 1122 AB under the SEC ... DIVEST YOUR SELVES YOUR BOTH ON NOTICE AGENT TO PRINCIPLE, PRINCIPLE TO AGENT Also the UNITED STATES TREASURY HAS MY ENDORSEMENT PAY TO THE ORDER OF AND XXXX XXXX XXXX FOR DEPOSIT PAY TO THE ORDER OF ENDORSEMENT ( V.C. ) AS OF 2 WEEKS AGO APPROX AND DELIVERED. ONE MORE SHALL GET IT ... THANK YOU FOR YOUR BUSINESS.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MI)

This involves a credit card that was issued to my father, XXXX XXXX. He XXXX XXXX in XXXX XXXX and I notified US Bank that he XXXX XXXX and closed the account ( all charges to the time of his XXXX were paid in full ). Several months later, I received a credit card in the mail in my mother 's name, XXXX XXXX. My mother XXXX XXXX in XXXX XXXX, so I called and spoke with a representative who apologized and advised me that he had taken care of the matter and closed the account ( again ). 

Today, ( XXXX/XXXX/XXXX ) When reviewing my father 's checking account ( this was a joint account, so I have access and have been paying the last few medical and other bills ) I saw a charge from " XXXX XXXX '' for {$74.00} on XXXX XXXX, XXXX that was an ACH payment. I contacted my bank, XXXX, who advised that US Bank charged the account in payment of an account issued to XXXX XXXX. XXXX is contesting the charge on my behalf and had me contact US Bank. While waiting for US Bank to stop transferring me from one unhelpful contact to another, I am utilizing my time filing this complaint. 

It is absolutely beyond the pale for a bank to issue credit cards in the name of someone who has been XXXX for more than 20 years in response to the cancellation of an account on behalf of her now-XXXX spouse. Once this was supposedly cleared up, the bank now has the audacity to charge a bank account for unauthorized charges? This is unacceptable and US Bank must be held accountable for this conduct. 

Thank you.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Upon review of my credit report with Experian, I noticed ( for the very first time ) that a fraudulent and unauthorized collection account is reported by a collection agency by the name XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or No Phone number available ). This entry list an entity name XXXX XXXX XXXX XXXX ). I Did NOT avail any product and/or services of either of these companies. I never ever received any bills and/or services from any of these companies. I have disputed this matter with Experian already but this fraudulent and unauthorized collection account still remains in my credit report. I sent ( multiple times ) debt validation letter to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) but never received any reply from them. THIS IS NOT MY ACCOUNT. This account must be immediately removed from my credit report
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (NC)

Debt has been paid, and original creditor has no recollection of ever using FBCS. 

The debt is for an emergency room visit on XX/XX/XXXX. The emergency room has confirmed today, XX/XX/XXXX, that the debt was paid by my insurance company in XX/XX/XXXX. 

The debt of {$1300.00} was apparently sold to XXXX in XX/XX/XXXX. They have been calling me repeatedly since then. One such phone call, on XX/XX/XXXX at XXXX XXXX, was with a woman who rudely told me that this will continue to haunt my debt and angrily hung up on me.
Consumer complaint received 2019-10-28
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. (FL)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1600.00} on the XXXX XXXX XXXX, XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. This incorrect reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
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. (GA)

On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Experian in reference to incorrect information on my credit report. Experian has done nothing. I disputed the collection account with XXXX XXXX and they stated that they were deleting my information, yet Experian is still reporting this collection on my account. I have even submitted the documentation to Experian from XXXX XXXX. I have submitted a police report in reference to a credit card that was not mine as well for XXXX XXXX XXXX XXXX  XXXX that is still incorrectly reporting on my credit file. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Experian has done nothing to correct the incorrect information that is reporting on and destroying my credit file.