davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The following account was charged off as of ( XXXX, XXXX ) Since then the account has repeatedly been updated as " charged off '' every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. 
I am demanding a deletion of the following account : account # XXXX XXXX XXXX  1. PAYMENT HISTORY IS DIFFERENT ON XXXX CREDIT REPORT COMPARED TO EQUIFAX CREDIT REPORT. THE HISTORY GOES AS LISTED ON XXXX XXXX + CO ( XX/XX/XXXX DAYS LATE MODEL ) BUT ON EQUIFAX XXXX XXXX. THE BALANCE ON THE CHARGED OFF DEBT IS DIFFERENT, XXXX LISTS IT AT {$22000.00} BUT EQUIFAX LISTED THE DEBT AT {$23000.00} XXXX. BOTH XXXX AND EQUIFAX REPORT THAT THE LAST PAYMENT MADE ON THE ACCOUNT WAS IN XX/XX/XXXX BUT THE PAYMENT HISTORY SECTION IS REPORTING A LATE PAYMENT FOR THIS MONTH. THE XXXX PAYMENT MONTH SHOULD BE UPDATED TO CURRENT AND ON TIME.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (MI)

On XX/XX/XXXX I attempted to change my telephone number with Chime via Chime app. I could not. I opened a live chat within the app for assistance. The representative requested documents that I sent within the app. After receiving the information the representative stop responding. I ended the chat then called Customer Service. While on hold I received an alert stating suspicious actions and my account was suspended. I've submitted 3x all requested information, As of this writing ( XX/XX/XXXX ) my account continued to be inaccessible even after submitting proof of ownership. They refuse to close the account and send my money. 

Your assistance in this matter would be greatly appreciated.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I have been fighting against identity theft for the last few years periodically I will find inquiries and new accounts that do not belong to me. This has been an ongoing battle and has been very different stating in my life. Ive also had to go to the instead of getting a police report for dish net work to get them removed off my credit. I have been in contact with the police department over identity theft and this is becoming very exhausting. my identity has been compromised and this has been overwhelming. I The put in a complaint with identity theft.gov in the hoping attempt of this XXXX it Thank you
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America Attention XXXX XXXX XXXX! 

XXXX XXXX XXXX I really appreciate you taking your time to investigate this ongoing issue that you and I have had but your office keep on saying that you are investigating there is nothing to investigate I have sent you all the necessary factual base dispute information showing that your company is reporting false information on a credit report in your office is acting very reckless and willful. I asked you to view the attached files with a side by side credit report with XXXX XXXX XXXX XXXX The account is only showing on XXXX as XXXX and XXXX has long since deleted the false and inaccurate reporting that you are doing. And this proves that you are acting willful and very reckless reporting! There are laws that your company must follow its the rule of law. 

You stated on XX/XX/XXXX the date of late active was obtain on the report. How is that so when the bankruptcy wasnt XXXX until XX/XX/XXXX. Right here shows that your information is false There was no payments made on XX/XX/XXXX so therefore your office is reporting false information about me. Also in your letter thats dated XX/XX/XXXX you indicated that the account was open on XXXX XXXX but however based on the credit report you are reporting that the account was open on XXXX please send me the credit application that was used on XX/XX/XXXX to open the account on XX/XX/XXXX! Based on what you been reporting since XXXX Also this account has been in dispute for 6 months or longer you are in violation of FCRA 623 you know that you have to enter these remarks are required if not it can not report on the credit report. Within 30 days of the first dispute. XXXX XXXX I need you to remove this account from experian immediately or consequences will take place Im warning you the summons attached to file has nothing to do with you but Im showing you Im coming after your company if the false information isnt removed in 10 business days Im not playing! 



Thank you XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (CA)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, The account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Milestone Parrish LLC (IL)

Received letter from debt collector. Did not know for what. They helped me through the steps, after I called reporting to them that this is something I did not owe. At the time I still did not know what it was for. The amount was {$2300.00} I then disputed it to them and mailed it back. 
And then I filed a police report.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (MI)

On XX/XX/XXXX I pulled all three of my consumer report ( XXXX, XXXX and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from Upgrade dated on XXXX XXXX XXXXXXXX I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and XXXX. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, XXXX, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that Upgrade is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX XXXX XXXX ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.
Consumer complaint received 2020-06-08
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. (CA)

I Have tryed for mouths to get credit bureau to remove inaccurate info of my record, I have submitted documentation of my Identity theft, with police reports, and they have failed to remove accounts, addresses, inquiries that are not mine..
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

My chase checking account was closed by chase at XXXX. Chase didn't provide me any reason or information about why my account by closed. They hold all of my money until now XXXX, I have to borrow money to pay my rent and living. I call the chase service number every week, I call them more than 20 times, and everytime they give me the same answer " back office still review your account, after they finished review your account then deicide whether they decide to release your fund. They not gon na tell you when they will finished review ''. And I also visit Chase branch for 4 times, they can't help me anyway. This has made my life very difficult and even made me afraid to open a account in any bank, because once you put your moeny in, you have no right to have your money! 

I feel like chase a bank acting is bullying the consumer, you can't fight with a bank and they don't give you any reason why they don't give you your money back. Such behavior is simply bullying consumers. I need CFPB give me some help please. 

Thank you
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I made a purchase of {$18000.00} worth of cryptocurrencies on coinbase. This purchase was made through my bank account, through 2 fractional purchases. One on XX/XX/XXXX in the amount of {$10000.00} and another on XX/XX/XXXX in the amount of {$8500.00}. I was informed at the time of purchase that I could send my money to my XXXX after 3 days. On XX/XX/XXXX I was informed that I could only withdraw the money after 15 days. And today the XXXX they informed me that I will only be able to make the withdrawal in 2 months. Every day since I try to speak with them. And the hold on my money stills there. They have custody of my money for 2 months and there is nothing I can do about it.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (TX)

My XXXX XXXX XXXX has no XXXX XXXX. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than 7 years old. I mean they just dont care and they break credit laws each and every day.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I was chase private client customer, I was getting free safety deposit box, chase downgraded my account to premium checking back in XXXX XXXX, I was not charged any fees for safety deposit box till now, Chase is saying that they sent me letter back in XX/XX/XXXX about charges, I never received that letter, now they charged me unauthorized fees for locker and when I am telling them that please close locker and refund my fees, they are saying even if you close locker your fees will not be refunded.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On Monday XX/XX/XXXX, I stopped by the XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX. There is a BECU ATM inside of this particular XXXX. 

I had {$300.00} cash in {$50.00} bills, so x6 {$50.00} bills. These bills have signs that state you can quickly and easily deposit a stack up to 20 bills at a time. I attempted to deposit the 6 bills into the ATM ( a fraction of the maximum amount ), and it promptly counted the {$300.00} incorrectly, ( I believe the ATM counted {$150.00} ) so I immediately panicked and cancelled the transaction and prompted it to just return what I had inserted. The ATM spit out x4 {$50.00} bills, NOT the x6 bills I had originally put into the ATM. The ATM ate {$100.00} of my cash and BECU is denying that the ATM did anything wrong. The ATM took all {$300.00} of my cash, gave me back {$200.00}, and nothing matched on the screen for the deposit! The ATM thought {$300.00} was {$150.00}, then gave me back {$200.00}? Make it make sense. The ATM is clearly having problems, and I want my money back. 
I called BECU as soon as I was able ( closed for the XXXX XXXX XXXX XX/XX/XXXX ), on XX/XX/XXXX and spoke to a rather unhelpful representative stating they would open an investigation and pending results, expect a credit to my account in 10-15 days. As a working student, {$100.00} is not a small amount of money, and it was money I definitely needed to pay bills. I heard from XXXX XXXX, Contact Center Supervisor at BECU, that agreed with me that the BECU representative I spoke with was not up to standard and they strive to do better. I accepted this apology and waited for my results. 

I called for an update on XX/XX/XXXX, it having been nearly 2 months of no update whatsoever, and the representative I spoke to claimed that BECU sent me a letter stating my request has been denied because they investigated and the ATM didn't have any discrepancies ( I have to date XX/XX/XXXX not received any letter from BECU regarding this deposit discrepancy and told the representative this. ) BECU claims to have performed an investigation stating that the ATM disbursed the cash and there's no record of it making a mistake. However, if they had actually done this, they could have counted the bills in the machine, watched the video footage of me putting the cash in and then obviously not getting the correct amount back. It should be obvious and clear I am holding 4 bills not 6 and am clearly distressed at the ATM eating my money on a holiday.
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Hello, Backstory : I have purchased my home in XXXX of 2021 in XXXX FL and I have a mortgage on the property. I set the mortgage payments to autopay and I've never had a problem with it. All the payments came out as they were supposed to until XXXX when without me realizing it the autopayment suddenly stopped. I only realized this in XXXX when I had already missed the XXXX, XXXX, and XXXX payments. ( I live outside of the country and I did not receive any correspondence in my primary residence in XXXX. ) What Happened : I finally was able to piece what happened to my mortgage. XXXX who was my mortgage holder sold the mortgage to SPS who is now the mortgage servicing company. SPS for some reason did not bring the autopayment over and I do not recall any letter disclosing this fact. So SPS cancelled my autopayment. APR FROM 4 % to 18 % This past week when I finally realized what was going on I called SPS and they said that the amount to bring the loan to normal was XXXX, when I asked why if the normal mortgage payment is only XXXX per month, they informed me that since I was in default they could change the mortgage APR to 18 %. I went as far as asking if there is no protection period for when a mortgage is sold and they said it was only 90 days ( under my calculation I would be under this protection ) but they denied me. What I did : I payed the over XXXX XXXX dollars they requested to bring the loan back to normal but I will not have to fight to get back what I believe to be an unfair practice of raising my APR 4-5 times what I have under contract.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (AZ)

I currently work for XXXX and they recently changed custodians for the XXXX XXXX XXXX from UMB Bank over to XXXX. I requested my funds be transferred from UMB to XXXX. The funds never arrived to XXXX and they do not see any pending amounts. When I called UMB, they have no record of me ever having an account, they don't see the amount, the request of the transfer and it is all completely missing. I discovered this when I was looking for tax form 5498-SA and UMB bank did not issue it ( as they claim I never held an account here ). Every document shows my account number which UMB claims does not exist. 

I have had the UMB account since XXXX ( have previous years tax documents to show this in form of 5498-SA, 1099-SA and directly on W2 forms. The transfer was requested on XX/XX/XXXX ( documents to show this ). The amount to be transferred was approximately {$9600.00}.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I requested validation of debt pursuant 15 USC 1692g and sent them a letter on XX/XX/XXXX and XX/XX/XXXX last year. They only sent me an account summary and didn't provide each requirement that I'm asking to validate the debt. This is already affecting my scores and I want them removed as soon as possible
Consumer complaint received 2023-02-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (UT)

Someone opened a credit card with Chase Bank in my husbands name, we only found out about it when we went to apply for a car loan and saw we had a balance of {$18000.00} from chase bank. We have never banked with chase and after this never plan too. We contacted the credit agency, and chase bank and got it resolved, the balance wiped from our credit, and chase bank closed the alleged account and have noted it as fraud. Since then we have been getting calls from a so called chase bank saying we owe a balance on our chase credit card of {$18000.00} and they want our social to confirm and make a plan for payments. A total scam and they call me every day XXXX a day. So sick of these scammers. Their phone they call from is XXXX ( XXXX ) XXXX please get these credit card scammers and stop them from taking peoples identities.