davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with 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 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 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (GA)

SUMMARY : Over the past 4 months, Ally Bank has failed to recover fifteen ( 15 ) checks issued through Ally 's online Bill Pay service. These bill pay checks were issued to my local church but not received by my intended recipient. The bill pay checks were instead fraudulently stolen and cashed without any endorsement to unintended recipients. Communication with Ally has been extremely limited, cryptic, and conflicting. 

DETAILS : Using Ally 's Bill Pay service, marketed as a " XXXX '' process, I scheduled biweekly payments to my local church as recurring, regular donations throughout XXXX. Many Ally bill pay checks were correctly received. However, at the end of XXXX, the church 's records confirmed they had not received a third of them, fifteen ( 15 ) total missing checks. However, these checks had cleared my account. After much effort, Ally Bank was able to retrieve images of the 15 cleared/missing checks and all 15 had no endorsement on the back. It appears they were fraudulently stolen from the mail and Ally released my funds to unintended recipients. 

I have disputed these for over 4 months now and none of the funds are recovered. 

Check Number / Date / Amount Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$420.00} Check # XXXX XX/XX/XXXX - {$77.00} Check # XXXX XX/XX/XXXX - {$2000.00} Total funds released to fraudulent recipients : {$5800.00} DISPUTE PROCESS : I filed a police report and began disputing these funds with Ally on XX/XX/XXXX, clearly outlining each of the 15 checks, dates, numbers, and amounts over the phone. 

I have contacted Ally Bank twenty ( 20 ) times to get updates on the status of this case over the past four months. Customer service representatives are unable to give a clear status on each of the check disputes, give conflicting information, and there has been no recovery for the 15 checks. Representatives and supervisors only see cryptic notes from the " back office '' and " can not connect me to anyone else. '' Communication has been arduous and a dead end. I have been patient with Ally and am now moving to recover the funds released to fraudulent recipients, taking all actions available.
Consumer complaint received 2024-05-29
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. (PA)

I have been having an issue with an account on my Equifax credit report. I recently view it and after several attemps to have this matter resolved I see there still is innacurate information reporting. There is an account - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting payments late XX/XX/XXXX and XX/XX/XXXX. In accordance to the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states that I have a right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

So me and my wife realize that we were paying and paying our monthly payments for our car and realize that the payment was not reducing so thats when we started asking why and how. We are over past due on what we owed, but they say we still owe way more.
Consumer complaint received 2023-08-28
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)

Hi this is XXXX XXXX XXXX, I am submitting this complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


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 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

I have raised a dispute regarding several charges made to an online casino that unexpectedly closed my account and prevented me from withdrawing my funds as agreed. Despite my efforts, Chime denied my claim. I requested access to the information submitted by the merchant to understand why my claim was rejected and it turns out that the merchant did not respond at all, and Chime did not actively pursue the case as they should have. Had Chime pursued the matter, my claim likely would have been accepted due to the merchant 's lack of response. I have since submitted a rebuttal for this unresolved case, which, according to an agent I spoke with, has not been reviewed or addressed. My primary request is for Chime to conduct a thorough investigation and credit my account accordingly, given the merchant 's failure to respond.
Consumer complaint received 2023-09-18
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. (CA)

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2024-08-30
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. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that i did not initiate along with an account from XXXX XXXX. I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. 

IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I Will also be seeking compensation for the damages caused to me. 

Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

The city of XXXX XXXX XXXX was charging my old apartment that I moved out on XX/XX/XXXX that I have a letter from management. I am not responsible for any bills after that date. I wrote a letter to everyone that I was moving. I told them I felt that a mail moving letter and the mailman said this goes to absolutely everyone that builds you that you dont have to worry about a thing will take care of everything we notify everyone that you have moved on XX/XX/XXXX I told him I would have them a letter by Monday on the XXXX that Friday are you fraudulently went into my bank account without my authorization and took out {$68.00} without my permission. There is no money in that account so I called my bank and told them they said theyre not allowed to do that so that giving me my money back the bank and I called the city of XXXX and told them they said they would give me a refund and a check I said you dont want that the bank will give me my money back so they were charging me for three months when I was not living there they were aware that I was not living there
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX  ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX, I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Hi so theres some apartments on my file that ive never applied for. I only know that cause when i did try to apply for an apartment they denied me because they said i had applied and owed somewhere else which isnt true. i recently moved out and got married all within the last 2-4 years. ive always lived at home.
Consumer complaint received 2023-09-18
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. (CA)

I have contacted Transunion and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.
Consumer complaint received 2023-08-28
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (PA)

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 : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I used a 5/3 bank drive-up ATM to make a deposit into my XXXX checking account. The bank location was XXXX XXXX XXXX XXXX, XXXX OH XXXX. The time was roughly XXXX. I inserted my XXXX debit card, followed the prompts, selected 'deposit ', waited for the cash door to open, inserted {$300.00} cash into the machine, door closed, and then the ATM malfunctioned and froze. I was unable to select any option on the touch screen, press any button, remove my debit card, or remove my deposited cash. The machine changed screens to 'do you need more time ' and I was still unable to make selections or cancel the transaction. We recorded the event on my personal phone, showing not only the screen but the time, location, and malfunctioning ATM. 

We called the 5/3 bank corporate customer service line at roughly XXXX seeking guidance or help and the agent stated we needed to take this matter to my ( other ) bank and have them file a dispute on my behalf. After XXXX or so minutes of sitting in the drive through ATM machine, I became irate and ripped my debit card out of the machine and left the scene. 

Since XX/XX/XXXX, I have contacted XXXX bank 8 times via phone call to both the branch ( XXXX XXXX XXXX ) and corporate office only to be told the same thing as I was told XX/XX/XXXX ; they will not discuss the ATM dispute with me since I am not a bank, XXXX needed to file a dispute on my behalf for company compliance. Most recently, I called XXXX Bank corporate office today at XXXX and was speaking with a female named XXXX, XXXX yes, I confirmed her name and asked her to spell it. She again stated even though I recently opened an account ( because I was told they would be more helpful if I had an active account with them ) she could not assist me and XXXX needed to file the dispute against the ATM machine, or I needed to contact the branch again for resolution. I asked for a written statement of that response and she said she would not comply with my requests. I told her " so, you are refusing to comply with my request for documentation? '' and she said she would not provide that information. 

I have filed a separate complaint against XXXX about the same issue, they refuse to file a dispute on my behalf and have on XXXX separate occasions over the past XXXX weeks provided documentation stating they will not pursue this issue any further because it was an unaffiliated ATM machine and I needed to handle this matter personally with the ATM owner. 

XXXX Bank only wants to discuss this matter with XXXX, and XXXX is refusing to communicate with XXXX Bank on my behalf. 

I have video evidence of the event on my phone, the ATM should have an active camera and data recording, and it should have a positive balance of {$300.00} in the machine. This has been a horrendous experience.