davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

My account with Chime closed on XXXX with no warning I was told it would take 30 business days to receive my money that was in my accounts. I have contacted Chime over 40 times since then and I am still waiting on my funds. No one from Chime has helped. I have giving everything to them that they have asked for. Still have not received my funds and it's going on 2 months.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2018-07-31
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)

Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account immediately.
Consumer complaint received 2024-01-28
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)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I opened a credit card with security deposit that can be refunded after XXXX XXXX of usage. After been told that my security deposit can be refunded and will be sent out via a check, its been over XXXX XXXX and I never received it. I have called in multiple times and it is never resolved.
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (ME)

On or about XX/XX/XXXX I observed a charge to my card that was not made by me. I did not recognize the amount posted to my statement. It was a small amount, however, so I paid it. On or about XX/XX/XXXX I notice another charge on my card and this time I called Barclay 's to inform them that my card had been stolen and used and that I wanted a new card. I also told them that I had paid the XX/XX/XXXX charge but that I would not be paying any other charges. I was assured everything would be ok and was issued a new card. To this date, I have not called to turn the card on. I was assured everything was going to be fine. 

In XX/XX/XXXX and for the last two months I have been getting charged with late fees and 'minimum ' charge amounts by Barclays . I have discussed this and also have trails of electronic messages to and  from Barclays and have had no resolution. I have since observed on my Credit Report that they have reported late payments on this account, which has hurt my score. 

Since XX/XX/XXXX I have received ZERO help from these people and they have decided to not only disregard my requests but also not to remove the charges and then charge interest and fees on fraudulent charges. I have read that everything the company has done so far may violate many of the regulations they are supposed to follow. Please, help me.
Consumer complaint received 2024-05-04
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 think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccuracies regarding reporting, amount, and dates.
Consumer complaint received 2024-05-04
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)

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX 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 XXXX 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
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

Several fraudulent charges on both my checking account and credit card with chase bank. I had lost the cards and reported it to chase. They issued new cards and reversed some of the charges. Now they've reversed them again. This has happened before with chase fraud department. They are fraudulent. Now my bank account is negative. They caused me so much grief by suspending my accounts multiple times but still let the fraudulent charges stay. What can I do to get my money back?
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

Check from a capital one account t from XXXX XXXX XXXX in the amount of {$2500.00} was returned due to a stop payment on XXXX XXXX XXXX 

Capital ones : " investigation '' resulted in a satisfactory result that the check had been paid according to directions. Apparently XXXX XXXX acct. XXXX charged the {$2500.00}. 


This has caused me late mortgage a.ongst other problems! 

Capital one is arrogant, and clearly very stupid as the evidence of stop payment is cleR for anyone to see. 

Sad ... ..wonder why we all don't do business with such large XXXX XXXX banks any more. 

XXXX XXXX
Consumer complaint received 2024-05-04
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. (PA)

I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2023-07-06
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.
Consumer complaint received 2024-05-04
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. (TX)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report.

OFFICE OF THE ATTY GEN XXXX Balance : {$17000.00} ATTORNEY GENERAL-CHI XXXX Balance : {$17000.00} OAG CHILD SUPPORT ENFORE XXXX Balance : {$17000.00}
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

About 18 months ago I had to buy a new furnace. The HVAC company set me up with Synchrony bank and I made payments of {$280.00} per month. When I called to make sure my payment information was correct they informed me I had missed the end of a " promotional '' period which they said ended on XX/XX/XXXX. Other than the information that I had made payments every month, they did not forewarn me that the promotional period was going to end. I'm guessing it was the fine print in emails littered with fine print. So that furnace, which as XXXX} I had paid down to roughly XXXX Now they said they are charging me XXXX  in interest. I'm XXXX XXXX XXXX and on a fixed income. I feel cheated that these people did little or nothing to take inform me of such a critical amount of money was due at a very particular due date. Their services should at least come with a warning.
Consumer complaint received 2024-05-04
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. (MI)

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. TransUnion continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. These accounts are not complete and inaccurate. 
I am writing to dispute the XXXX XXXX bankruptcy listed on my credit report. The bankruptcy was filed on XXXX XXXXunder case number XXXX. However, I would like to bring to your attention that this XXXX XXXX  bankruptcy has been dismissed by the court. 

As a result, this bankruptcy entry should not be included on my credit report. The dismissal of the XXXX XXXX bankruptcy means that it was not completed and should not be considered as part of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and up-to-date information on consumer credit reports. The inclusion of this dismissed bankruptcy entry is misleading and negatively impacting my creditworthiness. 

I kindly request that you investigate this matter and promptly remove the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy entry from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-09
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: Amsher Collection Services, Inc. (DE)

This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. 

I intend to sue this company if this collection company if this is not deleted from my XXXX and XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.
Consumer complaint received 2024-05-04
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. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3600.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$220.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed XXXX {$2400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-30
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. (MI)

I am writing you as the Beneficial Owner of the reporting account, chose-in-action with you as the National CRA and reporting unlawfully converted chose-in-action accounts with the data furnishers, each associated with my social security administration card number, you are the resulting trustee based on the maxim a trust will not fail for want of a trustee. Meaning you are the trustee by default without the need of a formal appointment. As fiduciary, I am witnessing you aiding, abetting racketeer-influenced corrupt organization data furnishers involved in involuntary servitude, peonage, and debt bondage with unfair and deceptive trade practices in violation of the XXXX National Defense Authorization Act. CRAs, like many organizations with user, terms of use, account, and any other public-facing agreements, are crafted and executed by the unauthorized practice of law by a corporation or trust as a systemic-wide custom. 

As fiduciary, you have not held up to the duty of loyalty, prudence, and disclosure. 

Currently, there is a breach of good faith and fair dealings with your implied agreement for the use of my personal private information, a breach of trust, a breach of fiduciary duty, and a conflict of interest between you as fiduciary and myself as the beneficial owner of the account. The estate nor beneficial owner of the reporting account benefits from your adverse reporting of any detail, other than paid as agreed or paid-in-full in the revenue-generating reports sold to members and subscription holders known as data furnishers. 


12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX  Failure to block/remove specific adverse information such as payment status is a violation of the FCRA Section 605C.
Consumer complaint received 2024-01-29
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. (FL)

I have XXXX missing closed loan accounts not showing in my Equifax credit report, I do see them in my XXXX and XXXX. 

I confirmed with creditors account should be reporting with Equifax and was advised to contact the credit bureau directly. 

I have had issues in the past before I got my social security number, where the credit bureau system automatically create a credit file even without providing a social security number, this is why I am asking the credit bureau to try to locate those accounts manually as it could possibly be in a different credit file under my old address or previous name used. 

Please check attached cover letter and supporting documentation.
Consumer complaint received 2024-05-04
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. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX : {$3400.00}
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

Mohela was sent a check for {$6500.00} from the state of Illinois as an award from on my behalf for the social work shortage that exists in the state of Illinois. Mohela never debited the check to my account. In addition, Mohela has yet to check my public service loan forgiveness application and they are currently charging me monthly payments even though I should be in forbearance for being in school at XXXX XXXX. When I contact MOHELA on their website through their messaging portal, they never respond and have deleted past messages that I sent them from my account. In addition, they do not answer the phone when options are clicked for a customer customer service representative.