davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

On XX/XX/XXXX I went to key bank on XXXX XXXX XXXX XXXX  in XXXX I was greeted by a teller name XXXX XXXX who told me I can not deposit this check in my account its a XXXXXXXX XXXX XXXX check address to me and the auto body shop which the auto body shop signed and stamped the check and endorsed it to me so she threaten me talking about she will call FDIC I told her go ahead its a legit check. So I left the bank and went to another branch XXXX XXXX and XXXX XXXX  away and deposit the check with no problem on XXXX XXXX half of the check cleared i went back down to the XXXX XXXX branch and tryed to with draw the fund and I was greeted with the same lady XXXX who told me I can not take the money out my account I so then proceeded to call customer service who told me the funds are available for me to withdraw I told her the lady at the branch does not want to give me my funds so I went to another branch once again in new XXXX who gave me the funds with no problem and told me the remaining of the check will not clear til XX/XX/XXXX I said okay. I proceeded a payment to my XXXX  XXXXXXXX XXXX XXXX  with my money that I had left in my account that was available which was XXXX after my withdraw of XXXX. The money was taken out my account on XX/XX/XXXX some how the teller XXXX cancel my XXXX  XXXX payment the money was put bank into my bank account and she flagged my account and its restricted. Now I contacted XXXX XXXX and told them that my account is restricted with the fund in it to pay the auto body shop XXXX XXXX claims her name is XXXX was on the line with me when we called the bank together they told her they dont want to hear what she has to say and hung up on us so XXXX XXXX agent forward me documents supporting the check so I can take to the bank I went to the bank on XXXX XXXX a notarized affidavit that the bank has gave me with all the documents that verify the check from XXXX XXXX that agent XXXX gave me. My account is still restricted and they dont want to give me my funds which are available now and saying it under investigation what are u investigating when XXXX XXXX submitted proof of the check and its showing cashed on XXXX XXXX end and hall are hood the fund in my restricted account.the form I showed her is not irises when I returned it back to the bank
Consumer complaint received 2023-11-02
Product: 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received my unemployment threw Bank of Americas prepaid card which I have so many problems issues and complaints with this card and the customer service its ridiculous. Worse part is they told me that the bank accounts I tried to transfer my money To are not compatible with there transfer service which is ridiculous. Beside the massive fraud that was charged onto my card which they still have not reimbursed me for all of it although they did reimburse me for some of which they refuse to deal with me the first time I reported the fraud instead they said they closed the dispute never investigated and made me verify my account only to have to reopen the dispute. In which case they missed a large majority of the fraudulent charges and i am now. Trying to finish filing the disputes on such but of course now they are forcing me to go verify my identity at a local Bank of America. Although they lied and told me that the forms of identification I could use were incorrect and not sufficient for them to verify my identity when I went to the bank to do so. Besides that they constantly cut off access to my account due to fraud protection leaving me stranded with no access to my money on multiple occasions. On more then one instance where I was even forced to wait two days stranded without shelter food or any way to access my money until the weekend was over and the department was open. Multiple times I was cut off from access to my money when I needed it forcing me to barrow from others sometimes paying up to double what I narrowed back for very small amounts of time. That along with the extra fees and the inability to use the card on most applications to transfer any money out of the app or to another financial institution that was acceptable by there terms although that was never made clear what banks were acceptable And because of another complaint and issue I am trying to resolve with boa and them closing of my account with them over ten years ago. They refused to reconsider there choice of accepting me as a client which would of made the whole situation go away but instead Bank of America and there horrible customer service reps who will throw you away hang up or make the situation even worse for you calling them I am more then just unsatisfied. And I want to finish filling these disputes and to get the rest of my money back
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the late open accounts appearing on my credit report. It has come to my attention that these inaccuracies are negatively affecting my credit score and financial standing. I am formally requesting that you investigate and correct these errors as soon as possible. 

I have attached copies of relevant documents, such as payment receipts and statements, which confirm that I have made all payments on time for the accounts listed above. The discrepancies in my credit report have caused my credit score to decrease, and I have experienced difficulties in obtaining credit, loans, and other financial services as a result. 

I kindly request that you initiate an investigation into these accounts and make the necessary corrections to accurately reflect my payment history. I expect that you will complete this process within the legally required timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the steps taken during your investigation, as well as any changes made to my credit report. I am asking for your assistance to correct the following accounts in three Credit Bureaus : XXXX XXXX XXXX XXXX XXXX  {$5700.00} ; XXXX XXXX XXXX XXXX  : {$1900.00}.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$0.00} ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

On XX/XX/XXXX XXXX contacted me with an adverse alert on my credit report. I receive free daily checks due to XXXX breach of my email address & social security number. A debt collection in the amount of {$260.00} from Sunrise Credit services was posted on my credit report at all three credit agencies. I phoned XXXX who advised me to phone Sunrise. On XX/XX/XXXX I phoned Sunrise, spoke to " XXXX '' and asked what specifically the collection was for? I was told it was from XXXX XXXX XXXX mobile. I told them I have NO ACCOUNT with XXXX XXXX XXXX  and do not live in Kentucky, the fraudulent address Sunrise added to my credit history. I was told I had to dispute it in writing and so I requested the forms. I was told they would be mailed to me within 5-7 days. It is now XX/XX/XXXX ; I have nothing from Sunrise. I filed a dispute with XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX removed the false debt collection & false address from my credit history. XXXX has not. So I have filed an Identity Theft Report with the Federal Trade Commission FTC Report # XXXX on XX/XX/XXXX disputing the Sunrise Credit services collection for XXXX XXXX XXXX XXXX fraudulent charges placed on my credit history report. I am XXXX XXXX XXXX, and have NEVER HAD A LATE PAYMENT, and no collections. All my bills are on autopayment, to prevent any late payments. I receive daily phone calls pestering me to obtain credit cards, even though I have placed a identity theft permanent freeze on my credit report history. I believe all this to be directly responsible to Sunrise Credit services fraudulent posting on my credit history. Why was I not contacted by XXXX XXXX XXXX XXXX  with a bill for the fraudulent account so this could have been discovered long ago? Why did Sunrise Credit Services not contact me regarding a collection notice before this ended up on my credit report. I receive daily emails from the three credit bureau agencies, regarding this, which I find stressful. I did nothing wrong, yet I am being harassed, lectured about paying for bills and services I contracted with ( with I did not! ), and told they do not believe the FTC identity theft report I filed was accurate, because I did not send them a copy of my drivers license and bank account information. This is very frustrating. If it doesn't get solved soon, I will need to hire an attorney to sue Sunrise Credit services and XXXX for the stress caused me.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Twice in one month, I have had fraudulent inquiries on Experian by XXXX. XXXX setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. Experian is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-01
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. (CO)

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Late Payment {$5800.00} XXXX XXXXXXXX XXXX XXXX Late Payment {$10000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$9000.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX LOANS {$25000.00} per XXXX ( supervisor of charge off unit ) who called me threatened to harass me XXXX on ( XXXX ) XXXX today at XXXX, XX/XX/XXXX my landline phone. 

Listed twice on all 3 credit reports illegally charged off XX/XX/XXXX for my identity theft debt I reported to FDIC, CFPB {$14000.00} loan {$69000.00} worth of car loans without keys to any cars. Nj motor vehicle title search salvage title no registration per XX/XX/XXXX. 

XXXX at XXXX XXXX XXXX XXXX ( walk away with keys no car insurance, no Nj state drivers license only {$3000.00} cash down ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Fax : XXXX XX/XX/XXXX, I didnt have a Nj driver license in my possession due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj ( XXXX landlord ) along with XXXX police XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who XXXX me several times in XXXX. At XXXX XXXX XXXX, XXXX, Nj XXXX. ( XXXX ) XXXX ( XXXX ) XXXX Along with XXXX XXXX police XXXX XXXX XXXX who saw her alter and steal my license XXXX XXXX XXXX My date of birth XX/XX/XXXX. ( XXXX ) XXXX I didnt work entire XXXX and I didnt live in Nj the entire year. 

I didnt make {$41000.00} annually cause I was homeless the entire year no car. 

I havent filled IRS state and Federal taxes since XXXX per XXXX records.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I called immediately to let them know of this issue. I was advised that it would be an hour, up to the next business day to resolve. 

Everyday for the next few days after that I was advised that they are working on it, but still ( even after assigning a " case manager '', the issue has not been resolved. 

My account is not only frozen, but also my account now shows negative + {$1000.00}, as they subtracted the entire {$3000.00} amount from my account. 

Just prior to the account freezing, I had to forward money to another outside account, taking my account to {$1.00}. I have bills to pay. 

I was not only able to demonstrate that the person who wrote the check was sitting right next to me ( whom had his own check to himself, to his chase account was frozen for a day ), but also that he was the same person whom has been sending money to my account on a regular basis. I also advised that it was necessary for them to clear this up because this money went directly to bills in both my Chase account and the other account that I regularly forward to.

I have contacted the caseworker assigned to get updates, but have gotten nothing but standard jargon on the number of days Chase is allowed to respond or fix an issue ( to XX/XX/2023 ). A short time ago he reached out advising that it will take even longer ( to XX/XX/2023 ). 

Meanwhile, my bills are still coming in and I am scrambling to get them taken care of due to this issues with my Chase account. 

Please help!
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (AZ)

I purchased my XXXX XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Dealership is XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, CA XXXX ; Stock Number XXXX. The total balance due was {$32000.00} and a Finance Charge of {$5200.00}. I went on Short Term XXXX towards the end of XX/XX/XXXX but still continued to make payments. The financing company is called Bridgecrest and the insurance company is called XXXX. I ran into some problems with my previous employer and my income stopped. I was liquidating investments and incurring massive debt. I reached out to Bridgecrest Customer Service on XX/XX/XXXX about the payments. I received an email on XX/XX/XXXX about calling customer service. However, no one answered my phone calls. Eventually, I went back to work and was able to continue payments. I was fired from my job in XXXX of XXXX and ran into income issues again. I reached out to Bridgecrest again about my income issues on XX/XX/XXXX and received an email on XX/XX/XXXX. I tried to continue making payments- as best as I could but it has become very difficult. I am waiting on my federal refund and informed Bridgecrest about my financial woes. I told customer service that I needed an extension on my payment plan and that I had lost my job. I was informed that the extension could not be allowed by their customer service representative - who sounded very XXXX and XXXX American. It also sounded as if someone else was telling him to say the things he was saying. I was informed that only after about 90 days, would they allow an extension- which sounded a bit strange to me. I am still receiving almost daily phone calls about my current balance due but Ive continued to make payments- with my limited resources. The current balance that is past due is {$900.00}. Ive also noticed that somehow the valuation on my car is now {$14000.00} trade-in-value according to a XXXX report on my car.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

My financial institution sent my payments prior to the due date XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). The checks were presented for payment and I have cancelled checks. 

I wrote to the company 3 times submitting documentation, including a letter from my financial institution THREE times. Each time, I receive a response saying they are workig on it, but receiving a bill dated XX/XX/XXXX showing interest and late fees. 

On XX/XX/XXXX I called AGAIN, and was told the letter was not acceptable because it didn't include an " amount ''. This is untrue, all the documentation was included. Also, they tried to tell me it takes 60 days to resolve -- also untrue -- have been trying to resolve this since XXXX. Once I threatened to file a regulatory complaint, there was some vague comment about some " supervisor '' resolving this. 

I believe this was a blatant attempt to defraud a consumer.