davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

I have had a checking account with Chime bank for over 4 years and have never had a problem until now. On XXXX  XX/XX/24 I received several notifications on my phone that my debit card with Chime was being used at XXXX and XXXX XXXX. There were several transactions coming through. I wasn't able to stop XXXX of them, but once I realized what was going on I was able to shut off my debit card and prevent further transactions from coming through. 

I called Chime shortly afterwards and tried to report and dispute the transactions. I was told that they couldn't stop the transactions and that I would have to wait until the charges cleared before I could dispute them. Finally on XXXX XX/XX/24 the charges cleared and I called Chime back to dispute the charges. They opened a dispute case and sent this to their agents. At XXXX on XXXX  XX/XX/24, I was sent an email saying that my disputes were denied. How can they be denied when it wasn't me! 

I called Chime again XXXX  morning XX/XX/24, and told them I want my case reopened. I didn't spend this money and I also want a copy of any information that they have on those transactions and what the agents used to determine the denial. I want to know where these transactions came from. What city, state, etc. I was told they would send me the information in XXXX business days and that the customer service rep that I was talking to couldn't see any of that information. I was also told that the fraud agents that work these cases can't give out that information because it is confidential. CONFIDENTIAL?! It's my money and my account! 

Within XXXX minutes of reopening my dispute case with the customer service rep on the phone, I was emailed again saying that my claim is denied once again and this is their final determination. This is outrageous! Chime should be protecting my money! They should be trying to find out where these charges came from and giving my money back! I have been their customer for over 4 years and I have never had any type of fraudulent activity or asked them for anything until now and they do nothing!
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Checking account closed with no prior warning. Bank has my address, phone number. I received my monthly bank statements. No attempt to contact me concerning issues with the account. Bank claims that identification was never verified. 
Took almost 2 months to receive my money back from the bank. I was forced to visit a branch to finally get a resolution. Now bank has the audacity to send an IRS Form 1099-INT for {$150.00} in interest. This interest was received as bonus for opening a new checking account. But the bonus was reversed and was not given.

Called Huntington but just get bounced around from office to office.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Account Systems of Omaha, LLC (NE)

This company has been deploying Unfair, Deceptive and Abusive tactics on their attempts to collect debts that they have been assigned to collect. Unwilling to work with consumers, filing suit and entering default judgments without properly serving the individuals involved. Should receive monetary reprimand. XXXX XXXX should be removed from his positions as his techniques have been deplorable to say the least. Making threatening statements to individuals is by exact definition abusive. Threatening to sue and report to your credit bureau as well filing suit without properly serving consumers.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (VA)

on XX/XX/2021, Mariner Finance, ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Consumer complaint received 2016-03-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

Sent XXXX paperwork in multiple times. When they finally acknowledged receiving the paperwork they started the process. Half way through they closed my file in error which started the foreclosure process. Rarely received responses to my calls/emails. Values began to go up, so decided to sell property and get rid of the stress. Took 7 weeks to get a payoff amount. Based the sale of the property on that amount. Property sold. A week later mod was approved adding XXXX and 10 years to balance. Proceeded with sale. 2 mos after original payoff amount was given and property was in escrow they increased the payoff by XXXX. The mod would have only hurt me more, and the increase in payoff ended up hurting me anyway. I walked away with nothing and now have a huge capital gain bill to pay which I would have paid with any proceeds I would have had. The mortgage was discharged in Chapter XXXX but the tax bill will not be. Job loss and medical issues created this situation. I thought selling and paying off the bank would be the right thing to do and would be better than a foreclosure. This bank knows how to play the game and the modification process and offer was really a joke being played on me!
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC (TX)

I 've attempted to send Central Credit Services ( centcreditserv ) the identity theft affidavit but their address is wrong on my credit report. I 've attached all supporting documents showing the return mail via certified usps tracking. Please help.. this is so stressful and I do n't see how collection agencies can just get away with this. 

Thank you
Consumer complaint received 2016-03-15
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (NY)

I purchased an item from an online retailer using what I thought was the PayPal option. By doing this I unknowingly opened a PayPal Credit account which I did not want or ask for. The account began accruing interest and finance charges and will likely affect my credit score. I believe that this is a deceptive practice on the part of PayPal as the PayPal Credit option is designed to look similar to the regular PayPal, promotes confusion and attempts to obtain new accounts through trickery. At no point during the transaction was there a verification or notification that I had in fact opened up a new account rather than using the PayPal account on file, so that I could correct the error or change my method of payment.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MA)

I have made multiple attempts to contact Mohela in regards to my loan repayment options. I did make the attempt to revise my payment plan online, but it did not change anything. I then called customer service and spoke to a woman who said she was able to change my repayment plan and due date as I was unable to make the standard payment. I did not ever receive a confirmation email that anything for my loan details was adjusted. I made the attempt to call customer service again, but wait times is over 1 hour long to speak to someone, and I am unavailable throughout the week due to work. I reattempted to change my payment plan on the mohela website, confirmed and agreed to my changes a little over 1 week ago, and have not received confirmation to my email on file. It has been nearly 1 month since I spoke to a representative who claimed my payment plan was changed, and my account is still sending me notices that my account is past due I have made the XXXX $ payments in XXXX, and XXXX which is the amount I agreed to pay. I also sent a message regarding this issue through my account portal, but do not expect a prompt response which is my reason for submitting this complaint to resolve this issue ASAP to avoid hurting my credit for late payment reporting.
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX, i am submitting this complaint for myself, there is no 3rd party involved. On XX/XX/XXXX of 2021, i mailed a dispute letter to XXXX  Equifax and XXXX outlining their violations.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ProCollect, Inc. (FL)

I have paid off the debt to Procollect on XXXX/XXXX/15 which was a debt in the amount of {$440.00} + {$7.00} ( procollect fee ) = {$440.00} for XXXX XXXX XXXX. I paid the account off through XXXX XXXX XXXX who also charged a fee of {$5.00}, which will be shown on the attached receipt. I have spoken to Procollect about removing the item from my credit and was told it will be removed but the debt still continues to report as unpaid.
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (WA)

on XXXX/XXXX/2015 I deposited a check for XXXX dollars a standard hold was placed on the check. An additional hold for XXXX dollars was also placed on my acct. overdrawing my acct. by XXXX dollars. The branch manager has told me this is standard practice however I am being assessed fees every time a purchase made on XXXX/XXXX/2015 clears. The check had writing on it for bankruptcy/moving expense 's and I feel this was a malicious act by the teller. I have deposited other checks of equal sums and not had a double hold placed on them.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX XXXX XXXX  XXXX XXXX  adds a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX  has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 record of conviction 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 2023-04-05
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. (UT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (NY)

I'm re-filling this complaint because CFPB closed out my prior complaint on XXXX  the same day the company responded without giving me 60 days to provide online feedback and reply to PNC Bank online as required by law. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here is my original complaint filed on XX/XX/XXXX ( complaint number XXXX ) I have an existing line of credit account that I've had at PNC bank XXXX XXXX. Then around XX/XX/XXXX, I applied by phone for a {$15000.00} line increase. PNC rejected my application for reasons that did not make sense with my credit history, so I applied for an appeal. I also sent a letter to PNC on XXXX XXXX XXXX requesting a copy of my original telephone application and the notes that were placed on my file because I suspect that the representative or the underwriter ( or someone ) wrote inaccurate information on my telephone application and file which caused my line increase application to get rejected. About a month later ( today XX/XX/XXXX ) I called PNC again and was told that my appeal application was denied but the representative would not tell me the reason ( XXXX ) why. The rep also refused to send me another denial letter for the appeal application and refuses to send me a copy of my original telephone application along with copies of the notes placed on my file for this line increase. PNC also won't mail the first rejection letter to my home and is now demanding that I go into the branch and receive it there. I also received a call from a PNC Case XXXX yesterday XXXX who demanded to know " what I wanted. '' I also told the XXXX XXXX I want a copy of my original telephone application and the notes on file for this line increase request and she also stated that she could not provide the documents to me. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, PNC Bank " finally '' responded to my CFPB complaint and refused to acknowledge the reason why I disagreed with their denial, which was based on inaccurate information that is not contained in my credit file. Then PNC provided supporting documents that can not be opened because the files are corrupt. And PNC still refuses to provide copies of the telephone application and the notes associated with my application by saying " it's proprietary information '' even though, in a private email message PNC 's lying investigator ( XXXX XXXX ) sent to me on XXXX XXXX XXXX PNC stated by its own admission that it did not have a hard copy of the telephone application to give me, which violates Federal Law.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (FL)

Regarding an old debt with XXXX XXXX XXXX. ( XXXX ). Someone named XXXX XXXX contacted me 2 weeks ago, XX/XX/XXXX stating that he is a debt collector for Credit Control in XXXX Florida, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are attempting to collect a debt in the amount of {$5700.00}, but that XXXX XXXX who charged off the debt in XX/XX/XXXX, is willing to accept a settlement amount of {$2800.00}. I asked XXXX XXXX to send me written information regarding the debt, and he replied that he will send me documentation after the debt is payed off. I have not received any documentation from Credit Control. Their contact number is XXXX. I called the number yesterday and today and asked to speak to XXXX XXXX but I was that XXXX XXXX no longer works at Credit Control, and that they want me to send them money but they have not sent me any documentation regarding the debt.
Consumer complaint received 2023-04-05
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. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Financial Services has harassed me for years and went ahead and placed a Derogatory mark on my credit. I disputed this issue with the Actual Credit Card company who investigated the issue and they confirmed it was a fraud and reported it to Midland. Midland does not care and still writes. Send me letters. Calls and harasses to try to force me to pay. 

I have sent them the finding from XXXX XXXX and they still don't stop or care to stop. 

I need this issue resolved so I can refinance and get my finances situated.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Motor Credit repossessed my XXXX XXXX XXXX XX/XX/XXXX with 8 payments left on the loan after entering into default. The vehicle was then sold to and now owned by XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. Toyota has reported a written off balance of {$5800.00} which is unlawful and untrue. I owe Toyota Motor Credit absolutely no monies regarding this vehicle. Toyota Motor Credit has recovered all monies owed. I have spoken with the new owner and have discussed the transaction regarding the XXXX XXXX XXXX.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (PA)

I never applied to pay pal credit but a credit inquiry is now showing up on my credid report from XXXXppc i have found many complaints online where they are doing unauthorized credit checks sence i did not authorize a credit check nor applied for pay pal credit i need to have this taken off of my credit report i lost XXXX points do to this error that was not my fault so please how do i go about this my name is XXXX XXXX email is XXXXXXXXXXXX phone number is XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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. (CA)

Hello, my name is XXXX XXXX and I am reaching out to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, in addition I have enclosed copies of the Federal Trade Commissions 's Identity Theft Affidavit. Please remove the items as soon as possible.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (TN)

I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over XXXX years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!