davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (FL)

On XX/XX/XXXX I tried to electronically cash a check made out to me by a business. 

The app accepted the check and stated funds would clear the next day. 

On XX/XX/XXXX i got an email saying the check was denied but no reason why, i made contact with Chime via Phone and they couldn't assist me and told me to email them, i sent multiple emails with no replies. 

I have had this problem multiple times with Chime, they for some reason offer check deposits but do not honor them and when questioned have no answer, this is a big concern for me. 

To date i still have not received any correspondence or contact regarding this problem from Chime.
Consumer complaint received 2019-10-21
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. (AL)

i have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report immediately.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (CA)

After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Speedy Cash on XX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. Calls on XX/XX/XXXX @ XXXX XX/XX/XXXX on this day I spoke with a representative and informed them that a cease and desist letter was sent to stop harassment. The representative was told that the call would be documented and reported. XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Emails to date on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. They have used  random numbers to call me. These numbers have been from different area codes nationwide.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Last year, Citi offered a {$100.00} bonus for referring a friend to a new Citi personal or business checking account. I referred multiple new clients to Citi but never received the Member-Get-Member bonus. I called Citibank XXXX XXXX XXXX XXXX on XX/XX/XXXX to investigate this issue but still have not received the bonus.
Consumer complaint received 2018-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (CA)

Granite State Management never sent the invoices to my correct address. They sent invoices to my father XXXX XXXX 's address in XX/XX/XXXX. I was living in XXXX XXXX, NV from XX/XX/XXXXXXXXXX/XX/XXXX and I now live in XXXX XXXX, CA. I never received any bills or invoices. Furthermore, they never emailed me, called me, faxed me or contacted me. They have zero accurate information about me. 

I only knew about the invoices when I came back from visiting XXXX XXXX in XX/XX/XXXX to my parents home address. By that time, Granite State Management had already had my invoices as 120 days late. 

I paid immediately the amount due and I have never missed a payment when made aware of the invoices. This can easily be seen with my account balance history. However, Granite State Management REFUSES to change these late payments and correct them. I filed multiple disputes with all 3 credit report agencies and none of them will make any changes because Granite State Management will not make the corrections. I never received any invoices or bills from Granite State Management. I was living in Nevada and can prove my residency from XX/XX/XXXX on. I was also never contacted. Granite State Management never spoke with me directly once. 

I have never made a late payment in regards to this account and never will. Granite State Management needs to correct the late payments and remove them. I can provide and will provide all documentation needed.
Consumer complaint received 2019-03-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TN)

Today XX/XX/XXXX at XXXX CST I was contacted by National Credit Adjusters of XXXX KS XXXX. I had received approximately 4-6 calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to XXXX XXXX. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at one point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee XXXX XXXX. XXXX. I reside in Tennessee and only dealt with XXXX XXXX inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.
Consumer complaint received 2019-03-05
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXXXXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

XX/XX/XXXX I received an email from XXXX XXXX saying I had a collection on my XXXX account. I disputed it saying " this does not belong to me. '' It says the collection is from Jefferson Capital System and the original creditor was XXXX XXXX XXXX. I am on someone else 's XXXX  plan and have been for many years. I paid my debt in full to XXXX  when I had my own account. It says this account has been open since XX/XX/XXXX and is open now. I haven't opened an account with them and this is the first I've heard about this account. XXXX XXXX said they reviewed the claim and found that this is legitimate. I don't know what to do now since I didn't open this.
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 


TransUnion NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an email this evening, XX/XX/2022, that my XXXX payment was due on the XXXX. I paid XXXX payment, on XXXX XXXX through my bank 's bill pay. My account showed it was received and taken out of my checking account. I called Capital One, thinking this was some sort of confusion, spoke to a young woman, explained that the payment had been made on the XXXX of XXXX She researched, said the payment showed, it was applied to XXXX XXXX bill. Said, no, that payment was made in XXXX. To shorten, XXXX payment was received for XXXX, on XX/XX/XXXX, and applied to XXXX 's payment. As the payment I made for XXXX was received on XXXX, XXXX, and they hadn't closed the books for XXXX, it was also applied to XXXX. I now need to pay XXXX 's bill. Explained, my XXXX check comes in, I sit down same day, or next, and right off pay bills. I don't have the budget to pay the bill for the same month twice, and have never done so. Asked if they could apply, as was intended, the XX/XX/XXXX payment to XXXX XXXX lady spoke to supervisor, came back and said no. Asked to speak to supervisor. Gentleman came on, and said it was my fault and I had to pay XXXX Said if I read the statement, I would know the payment would be applied to XXXX. 
I am not asking for payment to be excused or delayed. Delaying the payment would only set me back. I made the payment, just want it applied to the correct month.
Consumer complaint received 2019-10-21
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. (AL)

i have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report immediately.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (PA)

my account was out 30 days late when i pay every XXXX weeks. 
so there is no way i should be 30 days late for XX/XX/year> and XX/XX/year>. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every XXXX weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for XXXX months XX/XX/year> and XX/XX/year> which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the XXXX XXXX lates off my report it is stopping me from purchasing a home.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$2200.00} XXXX. XXXX Account Number : XXXX Bal : {$1200.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Bal : {$3300.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$3300.00}
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

I have contacted this agency multiple times about a debt from an apartment complex that I moved out of earlier this year. I called that apartment complex numerous times trying to get information about any move out costs, and they continually told me they didnt have the information. I later received a phone call from Iq Data collections and they informed me of the charges in their office over the phone. I told them I never received any written notification from the apartment complex or Iq Data with a list of the individual charges. The operator on the first phone call told me I needed to send an email to XXXX to request the information I needed to dispute the claim. She also told me they had been sending information to the address of the apartment I had moved out of, despite me providing a forwarding address upon move our. It should be obvious that I would not receive mail at an address I moved out of, but I also confirmed my new mailing address. I confirmed the email multiple times. I sent five emails to the email address provided, all with no response. I spoke to another member of their team over the phone and told him I have never received any written statement of the claim so that I can formally dispute it. He again reverified that I had the correct email address and I received no response. He also said he would forward the request to a supervisor but I still have not heard back, weeks later. 

The dates of the emails are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all of XXXX. I have the documentation to prove that the charges the apartment complex is claiming I owe are not valid, but I am unable to get this creditor to provide me with the information to dispute their claim.
Consumer complaint received 2017-07-26
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: Riverwalk Financial Corporation (GA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear in your credit file. The credit bureau has not updated this information and per the new law the debts listed do not include this information and should be deleted from my credit report.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have sent letters certified US mail to update my correct personal information. These credit bureaus after the correction revert back to incorrect information. I have a freeze and have sent all documentation necessary and allowed months to pass to double check behind these credit bureaus.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

CFPB, There is wrong information on my Experian credit report. 

1 ) There is a XXXX hard inquiry that should be a soft inquiry - there is also a letter from XXXX that states this as well attached. 

2 ) For my XXXX XXXX XXXX XXXX credit card it was opened XX/XX/XXXX and is still active- I have never missed a payment - my credit report is missing the check mark, to show payments have been on time, for the months of : XX/XX/XXXX through XX/XX/XXXX. 

Attached to this complaint are : - Drivers license to show who I am + address verification - Letter from XXXX ( XXXX ) that states to make the hard inquiry a soft inquiry - A formal complaint letter Please have these handled as soon as possible - thank you.
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

My student loan was recently transferred from XXXX to FedLoan Serving. I have no complaints about XXXX and was never late on a repayment with them in three years. My first repayment with FedLoan servicing was late because I was never properly informed of what servicer my loan went to, when my new payment was due and where to go and pay it. By chance, I stumbled upon FedLoan 's website and logged in to see DELINQUENT attached to my loans. This is unacceptable and may very well affect my credit score.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have disputed XXXX XXXX several times. They are reporting that I am past due. The amount that they are reporting as past due is actually what is in forbearance after a modification. However Experian keeps saying it was verified. So this time I reached out to XXXX and emailed the CEO he had someone get back in touch with me only for me to find out Experian NEVER contacted them to investigate. I am asking that Experian stop violating FCRA laws.
Consumer complaint received 2021-06-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent Transunion and XXXX  by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..
Consumer complaint received 2017-07-26
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. (NY)

I was informed that Experian on their credit report had an open invoice balance from XXXX. This was an incorrect charge being bill extra months after the service with XXXX was terminated. After notifying credit agency about the incorrect billing, they just contact XXXX to verify that this has been charged and perform no other investigation. When inquired how do they know if this a correct bill, their response that is not the credit agencies responsibility. They only take information from companies reported to them and do not take any contra info from consumer. I also spoke to XXXX to try to get it resolved. I asked XXXX how they know that this an accurate bill and its not incorrectly being charged, their only response is that it was invoiced. I asked how you know that the invoice is correct. They have no response to this. I also asked to go back and see per the records and tell me the last time I made a call or used their service in order to prove that I was missed billed. Their response they dont keep this record, but they have ever call and conversation that we tried to get this resolved. The credit agency should be responsible for the information they are reporting to make sure its accurate. As noted above they accept the information from XXXX as true with no verification, but do not allow for any dispute procedure with the consumer to be recorded on file. They only go back to XXXX and get a statement from XXXX that it was investigated per FCRA and have no copies of the FCRA investigation on file. In fact, I believe as a consumer you cant obtain a copy of the FCRA investigation without a subpoena. At minimum they should allow the consumer to have a rebuttal to the disputed charge and when companies look at the credit report see that this is a disputed item.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (DE)

I HAVE TRIED TO FIX THIS ISSUE. THESE COMPANIES WILL NOT REMOVE THESE ITEMS OFF MY CREDIT REPORT. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT. I'VE SENT LETTERS REQUESTING THE ORIGINAL CONTRACT WITH MY WET SIGNATURE. I HAVE NOT RECEIVED ANYTHING. I WANT THESE ITEMS REMOVED OFF MY CREDIT.