davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (VA)

On XX/XX/XXXX I sent a letter to CarMax regarding my account and my credit profile. Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. You sold my car in auction. I defaulted on XX/XX/XXXX. Which means you received insurance money! You took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! 

XX/XX/XXXX CarMax sent a validation of debt letter to me, verifying that I in fact do have a {$0.00} remaining principle with them. 

XX/XX/XXXX I sent out a letter to CarMax demanding my account be deleted and stopped being reported to the credit bureaus because they just verified that I had a {$0.00} remaining principle. 

XX/XX/XXXX I received a letter fro CarMax, stating my " complaint is generally unclear in its reasoning and intent. '' XX/XX/XXXX I mailed another letter being more specific on what my intent and reasoning is.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (MI)

on XX/XX/XXXX, my balance was showing on my phone app and the website using my desktop as {$14000.00}. The amount due on XX/XX/2021 was {$500.00} and something dollars ( I can't remember exactly ). I made a payment that day of {$720.00} so it would bring the total down to {$14000.00}. On XX/XX/XXXX, I look at my account and the balance on my account was {$14000.00} instead of {$14000.00} and some change. In addition instead of showing that I have {$0.00} due, it showed that I have {$62.00}. I called the company on XX/XX/XXXX to be told that " oh no worries that will be fixed within day or two. The system has not updated yet. Yes we know you should not have any amount due. '' I waited until Friday, XX/XX/XXXX and called again. I got a representative who told me that he put an order to fix it and that it should be done by Monday at the most. Monday, XX/XX/XXXX came around and nothing was fixed. I called again and again I wait on hold for over an hour but this time I got a " rude '' representative who put me on hold over 5 times back and forth and then finally came back and said that " my manager is literally working on it right now '' and that it should be updated very soon and to call them again on Friday if it is not updated. When I got upset and said that I am not going to call and that I am going to report the company he started getting very rude with me and arguing with me and told me '' ok, don't call! '' So, I am not playing games here and this is a serious issue. You charging me for money that I am not supposed to be paying and not reflecting the right total amount I paid on my account.
Consumer complaint received 2022-07-12
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. (TX)

The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00}
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

I have a Chase Sapphire preferred credit the total balance was {$12000.00}. Last year in XX/XX/XXXX was very sick i have to go abroad to take care my self because the hospital bill in USA are too expensive. I don't pay my credit for XXXX months because. I call Chase costumer service they tell me my credit is closed. I can not use it anymore. So my balance was {$12000.00}. Since then I pay XX/XX/XXXX XXXX I Pay : {$1500.00} XXXX I pay : {$400.00} XX/XX/XXXX I pay : {$350.00} XX/XX/XXXX I pay : {$400.00} XX/XX/XXXX I pay : XXXX My Total balance was : {$12000.00} So all my payments maid was total : {$2900.00} I see my balance is : {$11000.00} This is mean : Chase take the principaXXXX is only : XXXX And the interest is : {$1900.00} More than 100/ 100. It's why I file this complaint.
Consumer complaint received 2022-07-12
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. (NY)

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00} "
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: DriveTime (CA)

XXXX employer denied me work harbor XXXX XXXX XXXX wrongfully drug test me with out my consent.1 rental property in XXXX never stayed at residence. Also another rental property in XXXX XXXX never rented from them as well. Someone also has a home in my house we're there collecting mortgages out on currently I am in XXXX just got my XXXX XXXX XXXX XXXX XXXX kids just need you guys to see if you can help me.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (UT)

I have been a Chime account holder for over a year with no problems. I have been a huge fan and promoted this company to many. 

However, since my last direct deposit my account was suspended. After seeing it was it was suspented I went through my emails and found two emails from Chime in my spam folder. 

I promptly replied to those emails ( on Monday ). They asked for a copy of my ID front and back, and a utility bill. Just to be safe I sent them a picture of my SS card, a selfie with my ID/note, and in one my email replies I also sent an explanation of a few transactions ( inbound and outbound investment sells/purchases ) they had asked questions about. Those transactions were part of me diversifing investments. I sold some investments and rebought some new investments, pretty straight forward. 

I understand it takes time to review documents, but I have sent them EVERYTHING and more than they requested 7 days ago and currently have {$4000.00} of direct deposits from my employer stuck in the suspended account. 

At this point I am desperate to access my funds so I can pay bills. I have called Chime 10+ times and told I will get a response from the review team within 2 hours which has never happened. 

I don't know where else to go or what else to do, all of my information is accurate and matches my profile when I opened my account. Everything matches my ID, address, be and utility bill. MY FINDS ARE BEING HELD XXXX and I can't get a reply from the " right '' department that doesn't take phone calls. When I do call the reps that answer are nice, but they say they can't do anything. They verify that all of the info/Docs have been recieved and look good but they can't unlock the account only the other department can, and the only way to access them is through email. 

I have sent tons of emails to many departments with no replies Please provide me with access to my money via chime or a check to my address you have on file that matches my ID and utility bill. XXXX Chime... this is my money to pay my bills, you can just take it and not reply. This isn't fair and I don't know who else to turn to.
Consumer complaint received 2022-07-12
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX Late Date XX/XX/21
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (MO)

I have been disputing the fraudulent items on my Credit Report from XX/XX/XXXX to XX/XX/XXXX by sending dispute letters addressed to the Credit Bureaus. But despite all my efforts to correct my Credit file, the Credit Bureaus seemed to enjoy not giving a XXXX about my Dispute and my Credit File. The Credit Bureaus are given ample amount of time by the Federal law to conduct their investigation and remove the items that resulted due to Identity Theft. I am submitting this complaint to remind the Credit Bureaus that they are required to remove the items I am disputing since these resulted due to the crime. They have failed me before and I was tempted to take legal actions against the Credit reporting Agencies but I will be kind enough to give them a couple more chance and correct my File under each Respective Bureaus. I am utterly frustrated to see that despite all my efforts, the Credit Bureaus have become negligent of the FCRA regulation, my appeals, and their utmost duty to report accurate only information on a consumer 's Credit File. Once again, the items I am disputing were the result of the Identity Theft and must be removed immediately in accordance to FCRA regulations : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX  XXXX  XX/XX/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 XX/XX/XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (CA)

This complaint has been submitted several times I've complained about being a victim of identity theft. Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX  I XXXX
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021, XXXX unauthorized transactions of {$29.00} were performed on XXXX. I disputed XXXX transaction of {$29.00} with Chase Bank on XX/XX/2021. However, the bank denied this claim on XX/XX/2021. I was unable to dispute the second transaction of {$29.00} because the bank gave me an error message.
Consumer complaint received 2022-11-04
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: WELLS FARGO & COMPANY (IN)

Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in XXXX  and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never XXXX a payment whatsoever
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (NY)

This complaint has been sent numerous times already that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (NC)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX "
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act 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 2022-07-12
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-07-12
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

All XXXX accounts are not reporting the same with all three credit Bureaus XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX XXXX as paid for less than the full amount Whereas Equifax shows this same account as charged off. XXXX shows the same account as payment after charge off collection. 

***Equifax shows XXXX as no more than 4 months past due. Whereas, XXXX shows legally paid in full for less than full amount. XXXX shows the same account as 90 days past due. 

***Equifax shows XXXX XXXX  charged off. Whereas XXXX shows shows lthe same account as egally paid in full for less than full amount. XXXX shows commerce as payment after charge off as collection. 

***XXXX  shows XXXX XXXX as charged off, where as XXXX shows it as charged off as a bad debt.` In addition, 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1681 section 602 A states I have the right to privacy.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (IL)

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2022-07-12
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Late Dates XXXX