davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

I was talking to someone by email about tutoring his son. Then he sent me a check of {$2600.00}. I received it on XX/XX/XXXX. He said he accidentally sent too much, and asked me to deposit the check and XXXX him the rest. Since there is a limit {$500.00} I can XXXX someone new, in the course of 3 days, I XXXX  3 different people total amount of {$1400.00}. Then the check turned out to be false and the check got returned. So the {$2600.00} amount bounced from my account, and it turns out I sent {$1400.00} to scammers.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I attempted to sign up for removal of credit freeze with Equifax. I attempted to reset myEquifax password, but was unable to due to " We are temporarily unable to complete this request. '' I then attempted to call their support number and after navigating their phone tree and uploading documents provided I was given the same error message. Attempting to reach a human was in vain.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion Consumer Relations has sent me an update for the 3rd renivestagation of an identy fraud case after i have requested the documants that they are using to do the reinvestigation many times nothing had ever been even they only re add the collection to my account after the collection agency sent a letter for them to remove the id fraud case is part of the same account they keep adding also i have signed up for thier service and they will not give my scores they continue to ask for payment. I have canceled the service and my information even on the free site is not there i sent many cert mail and called them many times to have the information given this is a violation of my rights INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$28000.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$32000.00} Original Charge-off : {$34000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : {$0.00} per month, paid Monthly for 80 months >Maximum Delinquency of 120 days in XXXX Remarks : XXXX XXXX XXXX XXXX ; >UNPAID BALANCE CHARGED OFF< Date Issued : XXXX XX/XX/XXXX Page XXXX of XXXX INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$22000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) Original Amount : {$22000.00} Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Past Due : XXXX $ XXXX Pay Status : >In Collection< please see att proff of comany request to deleted also those company are not legally allowed to collect debt in florida
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been disputing the accuracies of the XXXX funding for the last XXXX year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to XXXX eyes. It is my right to have this inaccurate reporting rectified.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TX)

I have a XXXX XXXX checking account with First Horizon Bank ending in XXXX. I want to transfer some money out of this account. But facing all sort of issues. 
XXXX XXXX is not working. When i called on XXXX XXXX XXXX was told that it will start working after 5 days. 
ACH transfers- not any luck out here. First horizon don't let ACH transfer to XXXX XXXX. When i try to do with XXXX XXXX  - trial debit and credit is taking more than 3 days. 

Sent message for the same and I was asked to contact XXXX. Even after talking to them same issues.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/year>, the Goldman Sachs Bank USA froze my online savings accounts without any prior notice or explanation. 

After many phone calls and many days the Customer Service and Security Departments permitted one withdrawal and told me they had corrected the problem.

After more than 16 phone calls to them and repeated statements that the problem would be solved, I still can not withdraw money from my savings account as of today, XX/XX/year>. 

The Bank is violating, in my opinion, Federal Banking Law and Consumer Protection Laws.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following companies made multiple inquires for my Transition credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXX- Auto Financing XX/XX/XXXXXXXX XXXX XXXX - Auto Financing XX/XX/XXXX XXXX XXXX XXXX - Mortage Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX  - Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NJ)

I have a $ XXXX HELOC with TD Bank and borrowed $ XXXX against it for appromixately 1.5 months. I paid {$150.00} of interest when I paid back the principal and was susequently billed for an additional {$130.00} of 'residual interest ' and dunned repeatedly by staff for late balance. Nowhere in the online transaction history is there an accounting of how interest is posted or calculated so that I can determine if it is an appropriate amount to be charged before paying. The interest owed is not posted on online transaction history. Together these interest amounts seem high relative to the period the principal balance is outstanding. And without these details posted the customer has no transparency to determine the fairness. I have no ability to determine if they are charging me for amounts in excess of the time period for which the principal balance was outstanding or using some other deceptive practice to create a higher than 8.7 % effective APR. 

I am now waiting for a " payoff statement '' to come in the mail, so that I can determine how this additional interest is calculated before paying. TD says they are unable to email me this information. And as previously mentioned, it is not available in the online transaction history. 

When speaking to the customer service rep she acknowledged that there has been a lot of " complaints '' about this. It doesn't seem reasonable that a product can go to market that assesses interest without clear and transparent methods posted in the online transaction history. Especially coupled with aggressive collection methods, posting of late charges, and written notices that they will report delinquencies to credit bureaus.
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (MO)

AWA collections is violating my rights under FDCPA 15 U.S. Code 1692f - Unfair practices by charging interest and thusly representing an incorrect amount owed on my credit file. 

When I initially dispute this debt with XXXX I asked for debt validation documents they failed to provide and instead refered me back to the original creditor. It is my understaning under the FDCPA XXXX XXXX. XXXX, they are required to provide this information in which I requested to know if this debt was sold to XXXX by XXXX for collection. Under the FDCPA the collection agency who is reporting on my file, not the original creditor should provide this information. Nonetheless, I had to file a complaint with the Missouri Department XXXX XXXX ( complaint # XXXX XXXX ) to obtain this information as the collection agency did not give me all the validation information I requested. This was the first violation under the FDCPA. XXXX and reporting of the debt did not cease while the debt was validated resulting in a violation of my rights under the XXXX. 

XXXX is chagning the amount due on my credit file because they are adding interest. I have dispute this with XXXX. XXXX 's response was because their office is in California they are allowed to bill me interest under the California law. This allgeded debt, that I still dispute, originitated in Missouri where I live. FDCPA 15 U.S. Code 1692f states the collection agency can not collect interest or add fees XXXX is violating my rights by doing both - adding interest and fees. When I disoute their response stating the alleged debt originated in Missouri, they then stated they can charge interest under Missouri law which is still a violation and also makes the balance reflected on my credit profile incorrect. 

XXXX, XXXX and XXXX violated my rights because I dispute this debt with them and they contiue to validate the debt withouth providing to me the proof they have that validates the amount of the debt or the validity of the debt. XXXX and reporting of the debt did not cease while the debt was validated resulting in a violation of my rights under the XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXXXXXX reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies.

I have always had AutoPay set up to a bank account on my credit card. XXXX XXXX XXXXXXXX said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of XXXX XXXX XXXXXXXX XXXX. They have refused to take this action.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint against TransUnion for their continued reporting of inaccurate and unverifiable information on my credit report, specifically related to two accounts from XXXX XXXX. Despite multiple attempts to dispute this information, TransUnion has failed to correct or remove the erroneous accounts, which remain unverifiable. 
Both accounts are being inaccurately reported, and TransUnion has not provided any verifiable evidence to support the continued reporting of these accounts. 
I have made a formal dispute with TransUnion, and they have not resolved the issue within the 30-day window as required by the Fair Credit Reporting Act ( FCRA ). Instead, they removed all payment history which deducted over XXXX points from my FICO score. This failure has resulted in even more damage to my credit report and financial standing. I am requesting that the CFPB intervene and ensure that TransUnion removes both accounts from my credit report immediately. 

I have attached all relevant documentation, including my original dispute letter to TransUnion and a copy of the disputed credit report with inaccuracies circled which were also supplied to TransUnion. 

I would appreciate your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (AZ)

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 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CT)

Chime bank Advertised through email and app a special promotion. a referral bonus of {$500.00} will be issued after you invite a friend to sign up and they complete specific requirements! I sent many invites to numerous people solely for the bonus incentive! 1 invite joined and fulfilled all necessary requirements in order to receive the special {$500.00} referral reward! Chime bank only sent me {$100.00} I immediately contacted chime as soon as I seen this missing funds! The representative assured me that I and the one I referred completed all necessary requirements in order to receive such bonus and that I should wait for it to reflect! I asked the representative to put notes on the account regarding this issue just in case because Ive heard of chime not honoring bonuses a lot! also, The calls should be recorded for proof! the next day I still didnt receive the {$400.00} in missing funds so I proceeded to contact chime, the supervisor told me I did not receive the bonus because I didnt meet the requirements.. which contradicts both the previous representative, The terms and conditions, as well as the {$100.00} bonus I did receive! Chime is manipulating customers to refer new customers with high bonuses they dont actually honor! I and many people have fell victim to chimes tactics to recruit new members fulfilling all requirements and being told to wait for a deposit that wont come! Chime is false advertising and should be investigated for such!
Consumer complaint received 2024-08-17
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was denied a car loan with XXXX XXXX 2 months ago and because I was already denied even with the follow up this inquiry has to be removed from my consumer report file. Per 15 usc 1681 they are to be fair and equitable to consumers, confidential meaning if I didn't give them permission for them to post that to my consumer file or my credit report its illegal and its not accurate.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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 XXXXXXXX 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. 16815-2 ( 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 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.