davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HANCOCK WHITNEY BANK (NY)

I am the executor of my mother 's estate. She was living with my brother in XXXX XXXX Louisiana when she passed away on XX/XX/XXXX. Her bank ( Hancock Whitney ) provided me with copies of her checking account statements from XXXX through XXXX, including copies of all checks EXCEPT XXXX XXXXXXXX for {$3600.00}, a check written to the funeral home AFTER my mother passed away. I inquired with the funeral home, but they could not help me. 
XX/XX/XXXX : I sent e-mail to bank contact at Hancock Whitney requesting a copy of the check ( which had been converted to ACH payment ). 
XX/XX/XXXX : bank replied they would send it as soon as they got it. 
XX/XX/XXXX : bank forwarded me documentation between HW & XXXX XXXX, basically saying they could not get a copy of the check. 
XX/XX/XXXX : I e-mailed bank contact at HW to clarify information in documents. I did not receive a response. 
XX/XX/XXXX : I e-mailed contact at XXXX XXXX ( got name from documents ). No response. 
XX/XX/XXXX : e-mailed contact at XXXX XXXX again. No response. 
XX/XX/XXXX : e-mailed contact at HW. She called me immediately and told me that I absolutely should not be contacting them and they could be sued and she almost lost her job. I explained I was trying to investigate possible fraud on my mother 's account. 
I just want an answer. Thank you.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On XX/XX/XXXX, I leased a car XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where the car was serviced before driving off the lot. 

Unfortunately, the car has not performed well because the car requires a new engine after a month and a half of ownership. I am disappointed because after I contacted management in regards to the problems I faced, I was turned away because of assumption of negligence in filling fluids. I purchased an extended warranty but the warranty company wants me to pay for the tear down of the engine to see if they may cover it. I believe I was sold a lemon.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Chime reached out via email asking for proof of identity, or they were going to lock my account. I was surprised because Ive been a customer for four years, but knew I needed to send my license ASAP. However, I have XXXX kids, including a XXXX  and XXXX  so I forgot. When they closed my account, I immediately remembered and sent them the document they asked for with an apologetic email. They replied asking for more documents ( utility bill, social security card, etc ) so I sent those as well. Ive received virtually no correspondence since. My emails go unanswered besides generic replies asking me to submit the documents ( that Ive already submitted a week ago now ) all of my phone calls go to representatives who give the same generic response- We will urgently send this to the appropriate specialists and theyll reach out within 24 hours yet still no word from said specialists. They wont unlock my account or even keep me updated, and like I said, I have XXXX children to care for.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I put 50 % down on a {$21000.00} vehicle. It was my first purchase and was instructed that I only owed {$18000.00} after dealership fees. So far I paid {$20000.00} on my vehicle in total with the down payment. I am told that I still owe over {$32000.00}. I was told that I had a balance on top of a finance charge. I sought out advice from a third party to explain my contract to me and it wasn't until after my car was repossessed that I got a clear understanding of what it is. My car is on it's 3rd repossession. The first repossession, I had to travel 2 hours at 9 months pregnant to retrieve the vehicle. When I retrieved the vehicle my right back wheel arch panel was missing. After the second repossession all of my car 's interior panels were removed, keys deactivated, and damaged caused on the same exact side. Prior to the third repossession a representative told me as long as I made active payments, even if it wasn't the full amount my car wouldn't go into repossession. Four days later I took my infant from the vehicle and as I was walking into the building, a head hunter hooked my vehicle to his pick up stating that my car was on an app that said my car was " marked with a bounty. '' I called credit acceptance immediately and was told if I paid a about {$600.00} that they would stop the repossession. I didn't have it because I was starting a job days later. I don't have the exact dates and times because I didn't keep a record, I didn't know I had to. My car is set to be put on the auction block and I'm not sure who can help. I saved 4 years for that down payment and budgeted accordingly, I can't lose this vehicle.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX shows on my credit report as me being over 90 days late on my bill. However i do not owe them anything. I have a store card but it has a {$0.00} balance. I called the company. They verified that i do not owe them anything. When asked how to get the incorrect information removed from my credit report. They said it was my job to do it.
Consumer complaint received 2024-06-03
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXXXXXX XXXX ACCT # XXXX
Consumer complaint received 2023-12-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

As a consumer I had both a personal and a business checking account with Bank of America and due to identity theft these accounts were closed down without proper validation. These actions greatly affected me financially. Recently I put them on notice regarding this issue and Bank of America stop reporting negative information to third-party companies. As of today I contacted Bank of America trying to open up accounts with the institution and was denied in violation of my consumer rights. Bank of America is discriminating against me based off my false and in accurate information. The harm that is being done to me is defamation to my character and my financial stability. It is unconstitutional for Bank of America to deny my rights as a consumer without providing just compensation for their dishonor.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Chase bank is withholding my money that were deposited from my XXXX XXXX  account and is refusing to return it. XXXXXXXX XXXX failed to acknowledge XXXX fraudulent checks for the total amount of {$190000.00}. The funds were deposited into a Chase bank account. Chase detected the fraudulent checks and is holding the funds in a XXXX account and has yet to return the funds to XXXX XXXX. There has been several attempts by my attorney as well as XXXX XXXX attorney to reach out to chase bank and they are refusing to discuss this matter. Authorities have been working on this matter for 2 months and we have yet to receive any response from chase bank. My checks were deposited into an account by the name of XXXX XXXX on XX/XX/2023.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Citizens bank is advertising a XXXX bonus for opening a deposit checking account ( any checking ) and depositing over XXXX within 60 days of opening for a XXXX dollar bonus. They also advertise up to XXXX dollars for debit card purchases. I opened my account with them on XX/XX/2023. They said they pay 4 months after opening. I should have been paid XXXX XXXX. or at least at the end of month ( XXXX XXXX ) as advertised. I have met all requirements. Instead when I call them to inquire they leave me on hold, hang up on me, and promised me to correct my account with the deposit, but they did not. This is unacceptable and false advertisement.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-13
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. (MA)

I PULLED MY CREDIT REPORT FROM EXPERIAN AND NOTICED TWO XXXX XXXX  ACCOUNTS REPORTING BACK ON MY CREDIT. EXPERIAN REMOVED THEM TWO TIMES. I CALLED AND SPOKE WITH A REPRESENTATIVE AND THEY SAID WE HAD A BLOCK ON THE CREDIT. I REACHED OUT TO THE CREDITORS AND THEY SAID THEY NO LONGER OWNED THE DEBT. BY LAW THE CREDITOR CAN NOT SELL YOUR DEBT TO AN COLLECTION AGENCY THATS AGAINST THE LAW. I NEVER SIGNED ANY PAPER WORK TO RECEIVED CREDIT CARDS FROM XXXX XXXX. THERE HAS BEEN FRAUDULENT ACTIVITY ON MY EXPERIAN REPORT WITH THIS ENTITY FOR YEARS. I HAVE STARTED THE LITIGATION PROCESS TO SUE EXPERIAN AND XXXX XXXX FOR FALSE REPORTING ON CREDIT REPORT. AS A CONSUMER I HAVE THE RIGHT TO TAKE THIS TO COURT. YOU WILL HERE FROM MY LAWYER.
Consumer complaint received 2023-03-13
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. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The experian is 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 below : XXXX XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2023-03-13
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. (OK)

XXXX XXXX and credit agencies unknowingly and were not authorized to trade my information to make a misrepresentation of me and hinder my credit report. 

A charge off is considered a certificate of indebtedness and can NOT be reported as income.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account which is XXXX XXXX # XXXX that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX ) i'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> asked them to remove debt that was paid to XXXX. Provided letter from XXXX stating paid in full and they would transferring debt back to XXXX and requesting deletion of debt by credit reporting agencies.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent account on my credit report. It has been an unacceptably long time since I first reported this fraudulent entry, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX, XXXX XXXX PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. The fraudulent account is not mine, and I have never authorized any of the transactions associated with them. Regrettably, my efforts have yielded no results, and I have received no satisfactory responses from your bureau. However, their lack of response or assistance has further compounded this issue. 
The continued presence of this fraudulent account on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. I demand that you treat this matter with the utmost urgency. Ensure the immediate removal of all fraudulent account from my credit report. Any further delay is inexcusable and exacerbates the harm caused to my financial reputation.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Previously filed complaints with this agency for this ... will be acquiring legal counsel if this attempt does not satisfy ... Most recent previous numbers are XXXX & XXXX ... .Medical collection is still allowed to be on Transunion and XXXX reports... According to new law passed recently, all medical collections are to be removed from credit reports... XXXX XXXX XXXX is a medical/dental bill sent to collections agency XXXX XXXXXXXX XXXX XXXXXXXX because of failed insurance coverage ... .It has been removed from XXXX back in XX/XX/22, yet still remains on Transunion and XXXX after numerous disputes... this is an ongoing issue with Transunion and XXXX... it needs to be removed
Consumer complaint received 2023-03-13
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. (GA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: SANTANDER HOLDINGS USA, INC. (OK)

Chrysler Capital and credit agencies unknowingly and were not authorized to trade my information to make a misrepresentation of me and hinder my credit report. 

A charge off is considered a certificate of indebtedness and can NOT be reported as income.