davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I made a transfer out of my Bank of America checking account, to another account I have with another bank, using Bank of America 's next day processing transfer service. The deposit was set to go into my other account on Tuesday XX/XX/XXXX so I scheduled payments to come out of that account the same day. By XXXX on Tuesday XX/XX/XXXX, the deposit had not gone into my other bank account. I called the Bank of America customer service line and the representative told me the funds will post to that account by End of Business day. That night, and the next morning, I checked my other bank account only to find the deposit was still not in there and I have now been charged {$180.00} in overdraft fees as well as returned item fees and had checks bounce. I called again and spoke with a Bank of America representative, and manager, who rudely informed me that the transaction failed to send. This transfer account that I have had set up for years, and have never had a problem with it, all of the sudden failed to send. When I inquired why it failed, a clear answer was not given other than some information must not be correct. As stated, I double checked all information and it was all correct as it has been the last several years. When I inquired further as to what information could be incorrect, the manager informed me that there was nothing else she could tell me and that this was my error. I told her this is NOT my error, that the bank failed to send my transfer without any notification or reasoning and now I am overdrawn on my other account. When I requested that they refund me for this error, she stated that I would have to take legal action if I wanted them to compensate me for the fees which were caused in error on their behalf!! I am livid and I want responsibility to be taken for this error!
Consumer complaint received 2024-07-15
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. (MI)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I am writing to formally request the removal of inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5500.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2024 ; XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2024 ; XXXX XX/XX/2024.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX : XXXX # XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account on ( XXXX ) for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 

Paypal also informed me, that i would receive any pending balance on my account after 180 days. 
Its been now over 220 days since my account has been placed on hold, i tried to contact Paypal and resolve this and the only [ RUDE ] answer that am getting is, that i have to wait until i get the email informing me that its ready, even if its been more than 180 days. 

I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me because i rely on this money. I've been waiting for the 180 days because i really need my money. And i feel that its very unfair that ( PAYPAL ) does this to their clients. My email linked to my PayPal is XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information from my file. The items I deleted are listen in the report I am victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are two credit cards reporting on my credit from this company. I never opened any accounts with this company and I am a victim of identity theft. The birthday and reported to this company is also incorrect. Attached you will find copies of all things filed. I also mailed a copy of attached items to company directly
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (TX)

This account was charged off on the following date : XXXXXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account property after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts autombile : Account Number XXXX
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

On the morning of XXXX XXXX I saw that Id received texts and emails at XXXX of all of my banking information ( phone number and email ) being changed without my permission and {$1100.00} transferred out of my account without my permission. 

I immediately contacted Chime over the phone and by email and filed a police report with the local police. I provided screenshots to each of them of the evidence. I was informed that they would do everything to resolve the matter and while under investigation they would issue me a credit to cover the amount. Tonight on XXXX XXXX, I received an email stating that my dispute was closed and that they detected no fraud even with all of the evidence I provided them. Ive never made a Pay Anyone transfer before and only use the account to pay credit card bills and rent. The money stolen was my rent and I will be facing eviction without it. 

I am told that it will take 45 calendar days for them to review the investigation and I will not receive my money back in the meantime.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (SC)

I was charged with simple assault a few years back, and I have gotten it expunged off my recored. I have recently been employed with XXXX XXXX at XXXX XXXX, and have been in training for a few days now. My XXXX  XXXX contacted me saying that I could not continue with my job, because something was showing on my record. I thought I had everything correct with my record a few weeks ago. I really need this job for my child. I am a single mother that has to support my kid.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-12-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX A XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-21
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. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX last XXXX SSN # XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX CFPB, FTC, and Equifax EQUIFAX continue to ignore FCRA and violate my consumer 's federal protected rights. I filed a complaint on XX/XX/XXXX, Complaint Number # XXXX with CFPB. 

Account Name : XXXX XXXX XXXX Account Number # : XXXX " Equifax response that this account was a NON-REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. '' Equifax lied and violated FCRA. Evidence : ( see Exhibit XXXX ( CFPB complaint ) and ( see Exhibit XXXX ) A Copy of Annual Credit Report -Consumer Report. Equifax also re-aged the account DOFD : XX/XX/XXXX ( see Exhibit B Highlighted DOFD.

Immediate deletion and monetary damages up to a {$1000.00} per violations. Requesting {$4000.00} As you can see Equifax clear violated my federal protected rights.

FCRA violations four or more. Each of these inaccuracies has negatively impacted my credit score and caused undue stress and inconvenience. Under the FCRA, I am entitled to monetary damages of up to {$1000.00} per violation. Given the four distinct inaccuracies reported, I am requesting a total of {$4000.00} in damages.

I have attached copies of all relevant documentation, including my communications with Equifax and any responses received, to support my claim. I expect a prompt response and resolution to this matter. Should Equifax fail to comply with these requests, I am prepared to escalate the matter further, including seeking legal recourse. 
Send an update consumer report after you have deleted this account. 
XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Request for Arbitration and Reinstatement of XXXX XXXXXXXX XXXX XXXX  Account I am writing to formally request Equifax and XXXX XXXX XXXX XXXX for assistance in the arbitration process concerning my credit report and the reinsertion of a XXXX XXXXXXXX XXXX XXXX  account from my credit file. 

Account Details : Credit Card Issuer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Issue : The XXXXXXXX XXXX XXXX XXXX account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Additionally, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that Equifax engage in an arbitration process with XXXX XXXX XXXX XXXX to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Consumer complaint received 2024-06-21
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. (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. 

Account Name : XXXX XXXX Account : Account Number : XXXX 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports