davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with 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 60 days 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. 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 8
Consumer complaint received 2024-07-07
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. (GA)

This item was paid and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove from my report. 

XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2024-02-22
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 found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 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 proof of my identity and my Proof of Address.
Consumer complaint received 2024-02-22
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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 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 proof of my identity and my Proof of Address.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 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 proof of my identity and my Proof of Address.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK (CO)

I have been an account holder with FirstBank XXXX  ( XXXX ) for several years. 
Today I received an account change letter. I believe this new change is designed to punch down at poor people, with an outrageous charge directed at people who have less than {$500.00} in liquid cash or {$5000.00} in assets. I believe this is a violation of the terms of the account I originally opened about XXXX  years ago. I also feel like this is targeted discrimination at poor people ; a {$12.00} punishment to someone who has less than {$500.00} is far more painful than a similar charge to someone with higher income. 

I will be closing my account regardless, but this demands regulatory overview. 


-- -- -- -- -- -- - FirstBank is making changes to your XXXX Account. Starting XX/XX/year>2024, you may be subject to a XXXX Account XXXX XXXX. Your accounts affected by this change are : What this means for you : No debit card fee : The {$10.00} FirstBank XXXX XXXX XXXX XXXX has been eliminated. You will no longer pay an annual card fee per cardholder for this account. 
No XXXX XXXX XXXX  Fee if requirements are met : There will be no XXXX XXXX XXXX  Fee when you meet XXXX of the below requirements. The XXXX Account XXXX XXXX will be waived if at least XXXX account party is under the age of XXXX, however, the fee will no longer be waived once all account parties reach the age of XXXX. Other ways to waive the XXXX XXXX  XXXX  Fee include : Receive at least {$500.00} per statement cycle in qualifying direct deposits OR Maintain a minimum daily starting balance of $ XXXX OR Maintain a combined average monthly balance across personal accounts of {$5000.00} A XXXX XXXX XXXX XXXX XXXX Fee if none of the above requirements are met : If you're unable to meet any of the previously mentioned requirements, the account is subject to a XXXX XXXX XXXX XXXX XXXX  Fee.
Consumer complaint received 2023-10-30
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. (CA)

I request the removal of the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for {$10000.00}, from my credit report. This error damages my credit and is defamation to character under FCRA. Please investigate and remove this error promptly.
Consumer complaint received 2022-12-05
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-12
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. (AR)

I am submitting my complain for you to know that I am a victim of identity theft. The XXXX credit Bureaus required to remove these inaccurate information that are not belongs to the owner but yet they haven't to do so. Since it is a requirements by law 605b of the FCRA, I'm sending my letter certified mail to help establish a legal course. If you choose to not remove the following inaccurate items, I will be handling my attorney to start legal actions against you. These fraudulent items I've mention should be delete as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have this issue when it comes to leaving my home, I end up having XXXX XXXX. I have been working on getting better, so one day I attempted to go to the store. It didn't end well as I was rushed to the hospital, which I ended up being held for weeks.XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I was on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no access to my belongings. Once I was released from the hospital is when I found out that my phone and wallet were both missing. Then when I finally got home is when this nightmare began, my chime bank account was slowly bled, almost everyday for weeks, in the sum of {$3000.00} after atm fees and whatever else. I changed my chime and email passwords right away, as they were able to get into my account and transfer money from my savings and everything. I have disputed this with chime, as well as given them my doctors note ( that stated the length of my hospital stay ), but they have still denied me twice, once was my rebuttal.This is unfair, and wrong on so many levels. I'm a single mom of XXXX going through XXXX XXXX XXXX XXXX XXXX. This is not helping. There is literally no one in my life aside from my children. My family is either passed on, on lives across the country, the only documents they show me for denial is my doctors note and the " intake for dispute '' that I never even got to finish. The phone call got cut off. I waited for the representative to call me back. But she didn't, I ended up getting an email that said " your dispute had been filed '', so I thought I was all set. Only to find out that when they sent me those documents, she answered questions for me, or wrote " no member response " .. how was I supposed to respond when I wasn't even asked? XXXX said I was protected by their XXXX liability, especially since XXXX XXXX XXXX XXXX  I will be contacting them again next. Chime, please make this right. I was really enjoying banking with you guys. I dont understand how there can be no error? The footage should make that clear. I never even use an ATM! I don98 % of my shopping online since I can't leave my home. This isn't right at all. You guys need to actually investigate considering the first time it hadn't even been 24 hours before I was denied.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

On XX/XX/2023 Equifax Credit Reporting Agency closed a dispute ( Confirmation number : XXXX ) that I initiated regarding a balance with a creditor that was paid in full. Equifax stated that the creditor confirmed that there was a balance on the account owed and the information was accurate and correct. On the other hand, I called my creditor to find out that the creditor had reported the balance as being a XXXX balance as of XX/XX/2023. The following confirmation # XXXX is assigned to another dispute with Equifax for the same issue on XX/XX/2023. It appears that Equifax have the correct information of the XXXX balance but refuse to update my credit file.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a Bank of America credit card. I pay the balance monthly, but twice now the payment has not gone through on their Bill Pay online system, and I have been charged interest ( {$7.00} ) and late fees ( {$25.00} ). This happened most recently with a payment I scheduled online for XX/XX/year>, in the amount of {$240.00}, confirmation code XXXX. I called Bank of America on XX/XX/year> immediately upon being notified that my account was past due. In both this and the previous instance, the Bank of America representative resolved the issue, removing the late fee and interest charges. When this happened the first time, about a year ago, I thought it was a fluke. Their online payment system is more confusing than any other credit card that I have, and although the website generates a confirmation code, when I have spoken to the representatives they have told me they did not need the code. As my issues have been resolved, I have no need of your intervention, but if this is a pattern with Bank of America I want to add my problem to any list you may be developing.
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (UT)

I purchased a vehicle on XX/XX/2024 through Carvana. I used third party loan processing, through my bank, XXXX. 

The loan cost included the taxes and cost of titling and registration. 

My temp tag expires in 2 days, and Carvana has yet to submit my paperwork to the state of Utah to get my taxes paid and my license plates sent to me. 

They offered a second temp tag- but said that the process will take another 45 days. The temp tag expires in 30 days. Utah only allows a single extension, and taxes must be paid, and plates mounted on the vehicle within 60 days. 

Carvana 's website says they urgently need more information from me, but will not provide what that information is. They simply say that the XXXX rejected my information, however, my local XXXX says they have not heard from Carvana.

Given Carvana 's notable history of lawsuits related to failure to issue registrations on time, I am inclined to believe they have not followed their legal obligations in this matter. 

I am the XXXX XXXX  for a XXXX XXXX, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my job requires the use of my vehicle. 

This is unacceptable. 

I have also submitted a complaint to the AZ Attorney General 's office regarding this manner.
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Wife and I divorced as of XX/XX/XXXX. At that time she was responsible for paying the mortgage as is stated in the Divorce Decree and the Real Estate Side Sale Agreement. She changed the contact information on the mortgage account to her home address ( her sisters ' house ) and her email address, her phone number. 

After XX/XX/XXXX my x-wife was late on three payments, XXXX, XXXX, and XX/XX/XXXX, on the mortgage and the mortgage company failed to notify me by any means because my x-wife, per the divorce decree, was responsible for the payment and had changed the contact information for the account. 

When we sold the house on XX/XX/XXXX and paid off the balance of the home the mortgage company placed the three late payment records on my credit report. Again this was after the home was sold. 

I provided the mortgage company with the divorce decree and real estate side sale agreement documentation and they are refusing to remove the late payments from my credit report. 

Now because of the three late payments on my credit report, I am unable to be be approved for a home loan. I had been approved until those three late payments were added to my credit report.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

Coinbase is featuring a contest that claims no purchase is necessary but that each purchase after opting in will receive a notice of an additional entry up to 10 with an end date of XX/XX/year>. I never received any such notification, but I am being told to wait until after the XXXX, by which time it will be too late to rectify anything. Their support staff are arrogant and unprofessional, and I have had to waste hours repeating the same thing to multiple ignorant people and deal with e-mail support giving answers to Coinbase Wallet instead of the complaint that was sent to them. Furthermore, I received a notice that a complaint filed on my behalf about an unspecified matter will be addressed within 45 business days!
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I have spoken with all three agencies, XXXX, XXXX, and Equifax and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : US DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, wire transfer was set in motion to be transferred from my bank, XXXX XXXX XXXX XXXX  ( XXXX ), into Chase Bank account XXXX which was for a fraudulent company, XXXX. XXXX hours later, XXXX contacted Chase Bank to stop the transfer. ( XXXX pm XXXX - XXXX - XXXX - XXXX - XXXX ) Chase Bank verified it had not yet been deposited into the fraudulent account shortly after stop was sent. XXXX  against XXXX was filed, FTC report XXXX filed, FBI IC3 Complaint against XXXX was filed, Opened case # XXXX with XXXX XXXX XXXX Department. Detective XXXX XXXX, badge # XXXX, XXXX, verified that XXXX is not a legitimate company and this was in fact fraud. XXXX XXXX from both banks communicated over the course of a week, back and forth conversations, and we knew that the transfer had not completed, and on XX/XX/XXXX XXXX received word that Chase Bank allowed the transfer to complete and I would not be receiving the money back. They had been asked to stop the transfer previous to it going through, they were provided many supporting documents to prove that this was fraud, XXXX of it was a police report that verified the fact, and they had still let the scam artists receive the money. Also on XX/XX/XXXX, XXXX submitted another recall to receive the funds back. FTC Report XXXX XXXX against Chase Bank created. FDIC case number XXXX created against Chase Bank. XXXX  complaint against JPMorgan Chase.
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (AL)

Penfed has blocked my checking and credit cards, making it difficult for me to deposit money or pay my credit card bills. I do not have access to a Penfed bank nearby, so I rely on online banking for deposits. Unfortunately, they have limited my deposit options, causing me hardship as I try to make monthly payments on my credit cards. My account is frozen, preventing me from receiving XXXX deposits to pay towards my credit card balance. They also control where deposited funds go, resulting in the closure of XXXX of my credit cards. Though I have made payments on my gold credit card, the balance remains unavailable due to these restrictions. I am unable to manage my finances and pay necessary bills, which I find to be unjust treatment by the bank.