davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (NY)

On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I got a XXXX XXXX XXXX XXXX XXXX I put XXXX dollars on it.. the bi weekly payment is XXXX. The interest on this car comes to XXXXXXXX XXXX as well. Bridgecrest is where the loan comes from. XXXX and Bridgecrest have the same XXXX XXXX XXXX XXXX.After doing some research I found that their practices are illegal. So I sent a few items dated XX/XX/XXXX XXXX affidavit of truth. Stating that I know that thier practices of car loans is illegal. Because they know people won't be able to pay them off with such high interest 2. A cease and desist letter stating that they must give me back my down payment and the money I put on the car or I will sue them after XXXX XXXX. 
3. I sent receipts is payments made plus the {$3500.00} first payments The total payments are {$11000.00} I notarized them as well. 
They sent a letter basically saying that I have to pay the car or give it back. 
I'm trying to see if I have a leg to stand on under consumer law .... 
Can I apply any of these laws?
Consumer complaint received 2024-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX of this year, while on a business trip to XXXX I tried to withdraw {$2000.00} from a Bank of America ATM. After submitting my card, passcode, and request, the ATM flashed a screen that stated my transaction was denied and my account was now locked and that I should call the number on my card for assistance. This made sense to me since I was trying to withdraw a lot of money from many states away from where I live. So I called the number for BofA and confirmed it was me. The bank instructed me to try it again. I did try it again and the same denial happened. At this point I gave up trying to get my money. I tried calling the bank again but was on hold for so long I had to give up to catch my flight. I then logged onto my bank account and noticed that while the first {$2000.00} debit to my account had been reversed, the second {$2000.00} attempt was debited from my account even though I had received no money. I filed a complaint/claim with Bank of America XXXX XX/XX/XXXX, but today, 12 days later there has been no refund and no contact by Bank of America XXXX 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-04-02
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. (MI)

I am writing to file a complaint against XXXX XXXX XXXX for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that XXXX XXXX XXXX immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your company.
Consumer complaint received 2023-01-19
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)

This child support was opened up fraudulently there's no stamp for court use there's no signatures and it's not notarized it's illegal and it says right to a state hearing through judicial but it's only a temporary judge and it says as of XX/XX/XXXX I owe and the other one says XX/XX/XXXX no signatures it shouldn't be on my credit report it's illegal
Consumer complaint received 2022-12-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Some fraudulent charges found and so I have filed with Discover Card company and Discover gave me credit for both authorized charges and unauthorized charges, I called Discover and notified them they are not supposed to give me credit that are accurate charges and do not charge back to merchants that are not fraud those charges are accurate. a month later Discover charged all back to my account including unauthorized charges and charged back to merchants at the same time that are not fraud charges and I specifically told them all online charges are accurate. I told them twice that all online charges or phone charges are accurate those are not fraud. Since they put all charges back to my account and they also charged back to the merchants I have to pay Discover and the merchants another means Discover double charged. They charged me and they took money back from merchants.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (PA)

This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (DE)

Good morning, I have banked with Chime for a few months, and during that time there have been a number of issues, including platform outages. However, this complaint is specific to a check I tried to deposit last week that was rejected. My check aligned with their published terms for remote deposit ( 3rd party check for less than {$2000.00} daily limit less than {$10000.00} monthly limit, account in good standing etc ) yet was still rejected by Chime. It was from my benefits provider as a reimbursement for child care ( WageWorks ). I attempted to deposit the account with clear images on XX/XX/XXXX and received an email from Chime ( that went into my junk ) on XX/XX/XXXX that indicated, " We are not able to clear this check. '' The check was clearly made out to me -- my name has not changed, and neither has my address ( both which match my Chime account ). I signed the back. It was not expired. My account was in good standing. And I've remotely deposited XXXX checks before. In summary, there was no reason I can possibly imagine for denial. Subsequently, I reached out to XXXX, who confirmed there should be no issues with the check. 

That same day XXXX XX/XX/XXXX ) I messaged Chime ( in their app ) for help and/or clarification as customer service was closed. Their customer service inquiry indicated they would get back to me within 24 - 48 hours. That was 5 days ago and it has been radio silence ever since. 

Thankfully, I've been able to make ends meet without the availability of these funds, but I've opened a new bank account and am waiting the hold time to access funds I've moved over. Not only did Chime break their published mobile check deposit terms, but they were completely unresponsive to my inquiry afterward. If others are reading this, beware, this is NOT an institution I would recommend!
Consumer complaint received 2023-01-19
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. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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: TD BANK US HOLDING COMPANY (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XX/XX/XXXX TD AUTO FIN Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX TD AUTO FIN Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

ive been in contact with XXXX XXXX  in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to transunion XXXX, and XXXX and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form XXXX XXXX
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MO)

I tried to pay this account before my due date, but the payment portal they were using got shut down. Then they shut my card off. Then I called them to make the payment and I had to go through all sorts of crazy steps to pay my bill. They called me back, told me I was late, told me to pay my bill early, and assessed a late fee. This was ridiculous, I want my late fee back
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (MO)

A company called Americollect Inc has reported a medical debt for collections to all 3 credit bureaus despite being provided with documentation showing that the {$330.00} charge was paid to the hospital on the date of service ( XX/XX/19 ). I have also attempted to have the credit bureaus correct the knowingly false information that was reported, however they have not been of help in correcting the error. 

I have attached the EOB from the insurance company showing that the {$330.00} is part of the total that was charged to my credit card on XX/XX/19. I have also included a copy of the credit card statement showing the payment to the hospital ( SSM ). Please note that the hospital offered a 15 % discount for paying the balance in full on the date of service ( {$1100.00} - 15 % = {$970.00} ).
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I have contacted both Chexsystem Inc and XXXX XXXX XXXX ( hereinafter " XXXX '' ) regarding a business transaction in the amount of {$25000.00}, reported to the Chexsystem as an XXXX XXXX XXXX dated of Closure XX/XX/XXXX. Routing number XXXX and Account number XXXX. I provided to XXXX XXXX of XXXX and Chexsystem disputing this information by providing Title 12 CFR Section 1026.3 Exempt Transactions. ( a ) ( 1 ) The following transactions are not subject to this part or, if the exemption is limited to specified provisions of this part, are not subject to those provisions : ( a ) XXXX, XXXX, XXXX, or Organizational credit. ( XXXX ) An extension of credit primarily for a business, XXXX or XXXX purpose. XXXX violated Section 5 of the Federal Trade Commission as well as the Fair Credit Act 15 USC Section 45 Prohibits unfair or deceptive acts or practices in or affecting commerce. I pointed out to both that XXXX willfully and deliberately deceived me by appearing to use the last XXXX of the account number XXXX. However, the last XXXX account number is actually XXXX. I notified Chexsystem and XXXX XXXX pointing this deceitful act out to no avail! To add insult to injury, Chexsystem changed the dollar amount from {$25000.00}, to now as of XX/XX/XXXX {$22000.00}. I brought this issue to the Chexsystem and they decided to become complicit in the unfair and deceitful practice and I am now bring this to this agency 's attention for resolution. I am requesting an investigation into the employees working for the Chexsystem misconduct by refusing to delete this inaccurate information. I am requesting this inaccurate information deleted promptly. 
Thank you.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$5600.00}
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

MY NAME IS XXXX XXXX XXXX. I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. 

ON XX/XX/2022 I APPLIED FOR A XXXX American Express CARD AND WAS DENIED. 

PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX 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 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NV)

On XXXX someone was able to access my AMEX online account to take my bank information off and add theirs instead. They had a totally different name and bank information from me as well. The person on the account has a womans name, which I am not. I have never seen or heard of this person or bank ( which I later found out was a XXXX XXXX  account ) before. This person tried to make payments in the amounts of {$1200.00}, {$340.00}, {$300.00} and {$17.00}. Because they did not go through AMEX hit me with 4 returned payment fees. I only found all this out days later when I accessed my account. I reported the fraud to AMEX and was told not to worry about the payments as they did not go through but that they were unable to reverse these fees as my bank needs to do that. This was NOT my bank. I even called this bank and verified that I do not have an account there in case someone was also trying to impersonate me. I asked them for more information on this account and person and I was told they could not give me that information as they had to protect their customer. I have the name and partial account number as shown on my online amex account much to my surprise when I logged in. I have changed my password, received a new card and put MY bank back on there since but as these payments were obviously not me I do not know why AMEX will not reverse these fees totaling {$110.00}. I have called there multiple times and have gotten no resolution as of yet. This has been going on for a month now.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

Today, XX/XX/XXXX, is when I was standing in line at the gym purchasing a smoothie and my chase card got declined. I go to my XXXX XXXX  only to see that chase has suspended this card. I'm assuming this is in response to the claim that I filed 8 days prior for the deposit that locked up the atm. It was XX/XX/XXXX, at XXXX when I deposited {$800.00} and the Atm went red and printed a receipt with a number to call in case my deposit didn't go through. I called and told them about the incident in which they forwarded me to claims. I receive a missing credit the next day and all is well. Fast forward to now, I have {$3100.00} as it stands right now with an upcoming payday on the XXXX, and I have no access to these funds. I need the funds right now, not in a check after an investigation which may take 10+ days. It is not good timing at all, and I really can't afford to be late on payments when I'm finally in a comfortable position. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't do business with an entity that regards my frequent deposits as fraudulent. I have the deposit on video, it shouldn't be this complicated. It makes no sense to have a physical address and not be able to do anything but forward me to phone numbers. Chase was able to update my mailing address, that's about it. I was planning on paying rent a day prior to thanksgiving, now I can't even get a smoothie. This is unacceptable.