davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an adjustment of the following erroneous information on my credit report : XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (GA)

Upon reviewing my XXXX  Credit File, I noticed an unauthorized inquiry from Discover Financial Services with a date of XX/XX/2019. There is a number of XXXX listed so I called and requested assistance with getting the unauthorized inquiry removed and advised that I do not have an account nor have I applied for one. I provided my name and full social and was advised via the number listed with the inquiry that there was not an account for my social which I was aware of as I have never opened an account. The woman also advised that there was no applications on file. I advised her that is further more a reason why the inquiry needed to be removed and she advised that no one could assist me at that number.
Consumer complaint received 2024-11-04
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)

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 XXXXXXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generallf, 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- ( 1 ) 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. And according to 15 USC 1681s-2 they are suppose to 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 2018-05-22
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. (AR)

I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, XXXX, and Equifax via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX  XXXX XXXX XXXX in the amount of {$550.00}
Consumer complaint received 2020-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

Before my lease was expiring on XX/XX/2020, I called XXXX XXXX XXXX inquiring how to return the car due to COVID-19. This was 10 days before the virus peaked in the state of New York. I offered to drive the car to the dealership but was informed that the appropriate department was closed due to the pandemic, there were no options to return the vehicle at the time and I was to keep the car and will be contacted for safe home pickup when the situation allowed to. I was also informed that I was not responsible for the situation and therefore will not be penalized by any means. I tried to make more phone calls throughout the month of XXXX, 2020 but the companies were closed completely due to Covid-19 and the offices were not answering my calls. On XX/XX/2020, the car was picked up after the Chase Auto group contacted me for a home pickup- like I was told they would. 
Shortly after, I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2020 stating for {$3500.00} A late payment has been reported the credit bureau by CHASE Auto Finance, causing severe damage to my credit. 
Their attempt to charge me this bill is a slander to my credit and an actionable law. 
I have made numerous phone calls to the customer service department and auto loan credit department at CHASE auto Finance and XXXX XXXX XXXX XXXX. I have put in numerous requests to speak to managers ; the request was to be answered within 48 hours. Each time, a manager failed to call me back. Account supervisors also asked to call me back after reviewing my case. Until today, I have not been called back by neither XX/XX/2020 XXXX ( ID # Unknown ) nor XX/XX/2020 XXXX ( ID # XXXX ) nor XX/XX/2020 Mo ( ID # XXXX ) nor XX/XX/2020 XXXX ( ID # XXXX ) and more. Almost all of these requests have passed the 48-72 hours request time which the managers/ account specialists needed to review the case and call me back. I provided them with back up phone numbers in case I missed the call but the calls were never even made. 
This has affected my credit majorly, which will cause me more issues in the future. The customer service has been horrible and unwilling to help with this outrageous bill. 
CHASE Auto Finance and XXXX XXXX XXXX XXXX will be held responsible for the damages, as well as punitive damages and misconduct.
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I received a check from my employer on XXXX  XX/XX/XXXX. Deposited it that same day XX/XX/XXXX. Next morning XX/XX/XXXX it looked like it cleared. Except I couldnt use my card. So I went into a branch XX/XX/XXXX. There I was informed that the account had been deemed fradulent and they were closing it. I was told that there was no way to withdraw my money. My only option was to wait until the account was closed ( teller was unable to tell me when this would be ) and wait for any remaining funds to be mailed to me in the form of a cashiers check ( again, teller was unable to tell me how long this would be ). 

The branch manager referred me to the fraud team. I called them immediately XX/XX/XXXX. The fraud team referred me back to the branch manager. For XXXX days I've been going rounds with them, both sides saying they have no information, cant tell me why this is happening, or refer me to someone who can tell me what is going on. All they can tell me that once they make the 'final decision ' on if they are closing my account of not ( no definite time ), they will mail any remaining balance to my home address ( again no definite time ). 

In the meantime, that's literally all my money. That was my paycheck. It was my rent money, and my car payment money. If this doesnt get resolved very quickly my car will be repoed and I am in danger of losing my housing. It was my cat food and groceries. I can't even afford to drive to work at this point. 

And no one will even tell me what is going on. I am so upset and frustrated at the level of incompetence and lack of communication and transparency.
Consumer complaint received 2022-07-14
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. (NY)

In Agreement the Fair Credit Reporting Act XXXX with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ACIMA CREDIT, LLC (TX)

I went to XXXX 's slash XXXX to get a lab top located in XXXX  around XXXX with a sale 's lady named XXXX XXXX told me that the Lab top was {$540.00} when it wasn't it was {$440.00} and they sold it to me the Lab top on display and it wasn't in a box they had to data ear the computer and take the password off or what ever as soon as I got home to try out the new computer it started to free up so I didn't use it anymore I called XXXX about XXXX months ago to send me a box so I can send y'all computer back they told me that I have to take pictures to the computer and send it too them which I did they didn't send me a box talking about they was going to still charge me for it but they send me information stating that if I send the product back too them I wouldn't be charged and as of today they wrote a charge for this computer and now it's on my credit I also asked the can I take back to the store which is XXXX XXXX which they have an XXXX XXXX in their they told me no.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I deposit my employee check and the Wells Fargo bank located in XXXX and XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XXXX ), and the bank put a hold on my check due to a recent returned check but I have not deposit any check that has been returned. As per the bank, the check will be available on XX/XX/XXXX - 9 days. I am the only provider for my house. By the bank holding my money, it has brought me hardship. My card is in line to be repossessed since it was due, I have to pay my car insurance, electricity and water ; my child and I have not have a good meal for 9 days - we have been surviving on spaghetti and I had to asked my aunt for water to drink. One of my bill kicked in on XX/XX/XXXX and they just charged me an overdraft feed for insufficient funds when the money is there, I can see that hey are taking my money. This bank charges people overdraft on top of overdraft which and it is wrong.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, 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. (CA)

This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on TransUnion by a firm called XXXX XXXX and on XX/XX/18 on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted TransUnion I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX XXXX, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I received a text alert from what appeared to be Wells Fargo Bank on XX/XX/XXXX, concerning my account being exposed to fraud ; requesting my validating some account info. My cellphone was hacked in the early morning of XX/XX/XXXX. The perpetrator got access to my bank information/debit card, and was able to illegally withdraw {$1000.00} at an Arizona ATM XXXX followed by {$150.00} XXXX  transfer, along with four high dollar value, instore purchases, using my debit card information, in a 'digital wallet ' format at a XXXX in Arizona, for over {$3000.00} in purchases, on the same day. As well as other multiple transactions at various retailers in both Arizona and California, within a matter of a few hours of confiscating my account information. 

I called Wells Fargo immediately after regaining access to my cellphone, and found out that my account balance went from {$4200.00} to {$0.00}. I filed a fraud claim, that was denied on XXXX. I received two letters from Wells Fargo, dated XXXX ; one stated that the claim was denied, due to none of the transactions, never happened. The second letter stated that the claim was denied, because, either I processed all those transactions in Arizona and California, or I gave someone permission. 

I filed a complaint with Wells Fargo, on how my fraud claim was handled. I'm currently awaiting their response.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America allowed a XXXX yr old minor cash roughly {$4000.00} worth of savings bonds without parental permission or presence. When I went to the bank I was told this should not have happened and a manager, who was n vacation, would contact me the following week. They didn't contact me so I went back to the bank. The manager would not come out of the office. She sent a message back saying that would only apply if the child wasn't old enough to sign their name. She further stated that since my son had an account and an ID they were allowed to cash the bonds without a parent. I've visited other banks and financial institutions who state they should not have cashed these bonds.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This makes the 6th or 7th complaint against XXXX XXXX XXXX XXXX. 
On or about the beginning of XX/XX/2018 I wrote about the inept and horrible customer service via their XXXX #. They transferred me to XXXX, some other place, and kept me on hold for over 3 hours. Each time I was transferred to a different person I would ask for a manager but only to be ignored. And with each transfer, I was asked the same probing privacy questions ( name, address, birthday, last 4 of social, etc. etc. etc. ) After being on hold for this long and disregarded I repeatedly asked for managers ... but it was their own XXXX over my frustration that escalated my call to their " fraud dep '' and where this matter is not being handled now. 
Since this time I have sent my license to them at least 7 times. A few weeks ago, I again contacted their " exec. resolution '' office, someone named XXXX said he had NO PROBLEM seeing my license, which he also saw was in the system at least 4 times. I am of course furious at this time ... he tells me he is going to " escalate '' the call to a manager in the fraud dept. and make sure someone calls back. Of course, as usual, days and days go by with no call from the fraud dept. I was told someone named XXXX was not allowing anyone else to speak to me. After another call to these offices someone said they would send an email to her manager. I am waiting to see if she calls back. In short : 1.  Both of my cards have been locked. One has a balance of XXXX and the other just over {$1000.00}. 
2. They had my license for over a week the first time I sent it and didn't bother to say anything until I kept calling. 
3. They seem to purposely incite anger and frustration so they can make excuses for their own mistakes and terrorism. 
4. They have my social security number, license number, address, card history and customer history. 
5. Letters to their CEO and other executives are ignored and/or " handled '' by the resolutions office to no avail. 

It appears that I myself have to contact law enforcement, the US Marshal 's Service (? ) and report this as a purposeful act to cause harm and emotional distress to an average citizen.
Consumer complaint received 2018-06-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

I have repeatedly had to submit complaints about several separate times of this company calling more than one time per day leaving message. After the frist complaint they said they would stop doing that because that was wrong. It still continued. 4 separate days I had 2 voicemails and I again made a complaint but nothing was done again. I got a call today Monday XX/XX/XXXX and they left a voicemail that did not state the company name but did give a phone number to return their call and the message stated that payments made recently would not clear the deliquieny status of the account and that I should call to see if there are any options left. I called the company and all they said was that they would review the call and do internal training. This company continues to call and leave multiple voicemails on same day and has now left messages about collecting on a deliquent account and has not corrected thier behavior.
Consumer complaint received 2018-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

I have been trying since XXXX to get an amortization schedule from Bridgecrest for my auto loan showing how my payments are allocated on my loan. I kept seeing a very high payoff quote online for my loan, near what I paid for the original loan. I keep getting conflicting information. Today I recieved a transaction history of my payments on my loan which clearly shows that they are not applying my payments correctly to my loan, including 3 payments towards nothing but interest on the loan. I have spoken to them several times about this and the foreign customer service is not understanding my complaint or requests for the payment schedule. I have made several payments well before the due dates to help keep the interest charged to me lower on a daily basis. Roughly around $ 10/day in interest. Please help me with what I believe is illegal practices on part of Bridgecrest. Thank you.
Consumer complaint received 2018-06-19
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

On XX/XX/XXXX - I launched a dispute with XXXX regarding a late payment with Toyota Financial which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XX/XX/XXXX to the XX/XX/XXXX earlier in the year which had not been changed by Toyota and still reflected the due date of the XX/XX/XXXX. I was late in payment for the month of XX/XX/XXXX/XX/XX/XXXX but requested the removal of the late payment via XXXX. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with XXXX providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to Toyota Financial, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with Toyota Financial on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that Toyota Financial is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXX class action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OK)

On XXXX {$200.00} & on XXXX {$200.00} & XXXX {$200.00} were taken from my ssi direct express card at XXXX XXXX on XXXX in XXXX, ok.at atm. On XXXX {$120.00} was also taken off card at atm at XXXX XXXX XXXX. I had my card stolen out wallet in backpack with lil notebook with pin # s & passwords. I filed a police report & dispute claim & they said it was denied & won't refund my money that was stolen