davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$67.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXXXXXX Balance : {$72000.00}, XXXX XXXX XXXX Balance : {$61000.00}, XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (MO)

I am in the middle of a repurchase of the vehicle I financed with Volkswagen Credit from Volkswagen of America. The vehicle is deemed a lemon. I uploaded the documents regarding the repurchase offer. I didn't make the payment for XXXX until XX/XX/XXXX because I'm having a legal dispute regarding the repurchase. To avoid negative impact on my credit I made the payment a XXXX late fee was included well after I made the payment I discover that volkwagen CrediXXXX attached the late fee to a XXXX payment which is not due until today. The reason for them doing this was to try to report a XXXX day late payment to the credit bureaus. Which is fraudulent activity as a lender.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I contacted XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, for a shower glass door. I made the first payment with a credit card ( {$870.00}, half of the agreed amount ), and I received the glass. Right after the door was installed, I received an email from XXXX ( did not notice the difference until later - 'an extra 's ' at the end ) asking for the remaining balance. The email also included my previous conversation with XXXX XXXX. I agreed to make an ACH payment, and I received an email with the following information : Chase Bank Account holder : XXXX XXXX XXXX. 
Routing # XXXX Account # XXXX Two weeks after the payment was made, I received a call from XXXX XXXX saying that their email was hacked and that the payment had not been credited to their account. I called Chase Bank, but I was told that the payment could not be reversed because the reverse period expired.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year>, we filed a CFPB complaint against USAA for closing our accounts without warning. Since XX/XX/year>, we have been trying to retrieve our money from USAA. As of today, they informed us that we can not access our funds because of the CFPB complaint, and they now need another week to review our account.
Consumer complaint received 2024-06-25
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. (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that i have in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-06-14
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: U.S. BANCORP (NY)

I contacted the company to correct the reporting on the account in reference to payment being made late. The company was sent a letter to the XXXX XXXX XXXX XX/XX/24. The amount past due was {$40.00}. I have no history of being late on this account and this is highly unusual for me to be late on any of my accounts my prior payment history attests to this. The credit card company saw fit to report this to the credit bureaus which adversely affected my credit rating and subsequently caused irreparable harm to my ability to obtain new credit or apply for mortgages. I expressed this to the company and they told me that there was nothing they could do. I also disputed this with the credit bureaus and again the credit card company refused to address the error. The statement was to arrive the day after XXXX XXXX XXXX XXXX which was a holiday so the XXXX was the date giving grace for the holiday and which I did not receive the statement.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (TX)

I am writing to bring to your attention a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has caught my attention as I was not previously informed about this alleged debt collection. Furthermore, I have serious doubts about the accuracy and validity of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Thus, I kindly request that you provide me with the required validation information and take appropriate actions to properly address this issue.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I WAS VERY HELPFUL TREATED BY CAPITAL ONE BANK I CALLED THEM ALL DIFFERENT SUPPORT CENTER SERVICES I REACH OUT TO THEM CONCERNING BOTH OF THESES FRAUDULENT ACCOUNTS THAT WAS OPENED UNDER MY NAME OR CREDIT REPORT. THEY HAD NO AUTHORITY TO OPEN THESE FRAUDULENT ACCOUNTS UNDER MY NAME AND THIS FRAUD ADDRESS. I HAVE ALSO TRIED TO EXPLAIN TO CAPITAL ONE AND THAT THESES FRAUDULENT ACCOUNTS ARE NOT MINES EVERYONE I SPOOKED TO WAS NOT HELPING WITH THESES FRAUDULENT ACCOUNTS, THEY GOT XXXX WITH ME. I HAVE ALSO ASK THEM WHY DID THEY RUN MY CREDIT REPORT AGENCIES. ON MY STATEMENTS ON ALL THE CREDIT REPORT AGENCIES. I TOLD CAPITAL ONE BANK THAT THEY FELL TO CONTACT ME ON MY PHONE NUMBER BY EMAIL ETC. I TOLD EVERYONE I BEEN DEALING WITH THAT I REFUSED TO MAKE ANY KIND OF PAYMENTS ON THESE FRAUDULENT ACCOUNTS WHEN YALL FELT TO CONTACT ME THEY TOLD ME ITS GOING ON MY CREDIT REPORT ALL AGENCIES SAYING CHARGES OFF ON ALL OF MY CREDIT REPORTS. I HAVE E+MAILED CAPITAL ONE BANK MY TRUE IDENTITY ON WHO I AM WITH MY CORRECT INFORMATION COPY OF MY TEXAS ID SHOWING MY REAL ADDRESS, I HAVE ALSO SENT A COPY OF MY SS CARD I HAVE ALSO MAILED THEM COPIES OF THE AFFIDAVIT, COPIES OF POLICE REPORT CASE NUMBER, I HAD TO GO FIND THIS ADDRESS THAT WAS UNDER MY NAME, I HAD TO CALLED THE XXXX POLICE DEPARTMENT HAD TO WAIT FOR THEM TO COME AND DO A POLICE REPORT ABOUT THESE FRAUDULENT ACCOUNTS UNDER MY NAME ALL THIS INFORMATION WAS SENT IN, ALSO I Have uploaded same information i uploaded to all credits Credit agency all this information, its not my problem they CAPITAL ONE BANK DID NOT CALLED ME OR TRY TO GET IN CONTACT WITH ME ALL THIS INFORMATION STATEMENT ALL CREDIT REPORT AGENCIES PLEASE CALLED ME TO VERIFY IF I APPLIED FOR ANY THING THEY CAPITAL ONE BANK FAILED TO DO SO AND OPEN THESES FRAUDULENT ACCOUNTS UNDER MY NAME
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (FL)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (MN)

I had opened an account with Sofi Bank in XXXX. Suddenly and without provocation, my account was frozen in the latter part of XXXX with a little over {$6000.00} in my account. After contacting them by both email and phone for nearly 2 years, they finally sent me a generated email that was very general and stated they are investigating my account for suspicious activity thst might have violated their customer policy that I signed. I received no other information for nearly 1 year after that notice, which stated they will be permanently closing my account and seizing all the funds in my account. When I emailed and called them continously the past month fir answers, they XXXX they had no legal responsibility to give me a reason, nor did they provide me with any sort of judicial review or court order allowing them to permanently steal my money.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-17
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: Conn's, Inc. (TX)

As a result of ID theft/data breaches in recent years, I have the following inquiries from XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, that need to be removed from all three CRA 's. I have tried to dispute this date directly with the creditor and got no response after 90 days. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I opened a direct deposit account with Bank of America in XXXX XXXX TX around 2003. I have had that same account until a few years ago when with no explanation it became an XXXX account. I had been repeatedly double charged in overdrafts when my account was Bank of America from the beginning until the end. I am a single mom and sometimes all I could do was break even at the end of the month. The extra overdraft charges ruined my familys life completely. Ever since the account has been XXXX that hasnt been a problem and financially I am in a completely different place. I have my Bank of America account number still and paperwork to show when my account became an XXXX account. I also still have most of my bank statements from Bank of America.
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2024-05-23
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)

This is my several endeavors to tell the 3 credit bureaus 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 XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$180.00} 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 XXXXXX/XX/year>
Consumer complaint received 2024-06-13
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: GATEWAY FIRST BANK (NJ)

I am writing to dispute a late payment entry on my credit report related to my mortgage account with Gateway Mortgage, account number XXXX. This entry, which appears on my report from [ XXXX ] , inaccurately reflects a late payment for the amount of {$1600.00} and is negatively impacting my credit score. 
I believe this entry is incorrect due to the following reasons : 1. Technical Payment Error : In XX/XX/2023 I made a timely payment of {$1600.00} to Gateway Mortgage through their online payment system. Unfortunately, a technical issue caused the payment to be applied to the wrong month, leading to a mistaken late payment entry for the XX/XX/2023 billing cycle. Made on time and that the late payment was recorded in error. 
2. Good Payment History : Prior to this incident, my payment history with Gateway Mortgage has been consistently timely and in good standing. This technical glitch does not accurately reflect my creditworthiness or payment behavior. 
In accordance with the Fair Credit Reporting Act this creditor Gateway Mortgage, ( GTWY 1ST FKA GTWY MRTGE ) has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 

I am including a photo of where I reached out to the mortgage company to get this resolved, you can see that I was trying to resolve the issue with paying online. Please note that this email was sent in XX/XX/2023, and they reported a late payment for XXXX...
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc. (WA)

I created an online account with XXXX last month ( XX/XX/year> ) in order to manage a freeze I had previously placed for credit inquiries. 

XXXX apparently has a new feature in which anyone that creates an online account to manage their credit reporting or freezes AUTOMATICALLY creates a digital checking account in that person 's name, without their consent or even knowledge. 

Subsequently I continue to get semi-daily notifications to my email saying that " my account balance is {$XXXX} '' with prompts to add funds to it, for an account I never knew existed and never wanted. 

There is no ability to close this account or turn off those notifications, and they force you to call in order to manage or close this account. 

Upon calling the lines on several occasions trying to resolve I am placed in a queue with wait times of XXXX or more.
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (MD)

Mariner finance is reporting inaccurate incomplete and unverifiable information to XXXX and XXXX concerning my credit report and without my written nor verbal consent which is a violation of the FCRA consumer law 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 ) furthermore 15 USC 6802/15 USC 6801.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

i am trying to use the ATM in XXXX, but TDBank is impossing a rate-limit of $ XXXX for foreing ATM usage. 

The problem is that they are lying and not saying the truth. they said that my card was faulty and replaced it, then that the machine has limits, etc etc. 

The first days of the month, i can get up to {$1000.00}, then the bank refuses ALL withdrafts, i tried in LOT of different ATM machines from different banks/networks and all displays the error " invalid transaction ''. 

When the month changes, it works again until {$1000.00}, then again " invalid transaction '' in all machines. 

so its clear that there is a montly rate limit imposed by tdbank that they dont want to tell me. they only say that there is a daily {$1200.00} limit and that they are not limiting me.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My due date for my payment was XXXX XXXX XXXX, I called to make a payment around XXXX XXXX XXXX XXXX the automated system said my payment would be considered last because it was after XXXX XXXX. I talk to a customer service representative she avise me that there was nothing she could do because I had a late payment in XXXX. So I asked her about how much late fee charges would be ... since the new law got passed that it shouldn't be no more that {$8.00}, she said {$40.00} for the customer that previous had account, that new customers would be {$8.00}. I told her that was not what I had read about the new law on late fees.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BOA has for the second time processed an out of state levy that is not legally in forceable. 

I have given BOA the police reports for identity theft but they keep letting this XXXX XXXX XXXX my account. 

The first time they got over XXXX and this time they got just {$4100.00}