davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (TX)

Acima. I took out a loan to pay for tires through Acima, I went through my payment process with the salesman and he didnt tell me that paying over double was the hidden deal within the contract. I didnt like that this wasnt explained to me. I ended up selling the car to a dealership and ended up not having the tires anymore. First time I talked to them they said it would Be a resolution, next time asked me to pay a settlement then gave me three different settlement offers. Safe to say I will NEVER deal with Acima & its predatory practices. Or the hidden double price of the product.
Consumer complaint received 2024-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mid-South Adjustment Co., Inc. (AR)

I am in a XXXX XXXX bankruptcy and there are trying to collect and they are violating bankruptcy code by putting this on my credit report and trying to collect!! They need to remove this asap or I will have my attorneys handle the Problem!!
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. I sent them letters on XX/XX/2021 and again on XX/XX/XXXX and have yet to get a response.
Consumer complaint received 2021-07-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (MN)

On XX/XX/XXXX, I closed my credit builder account with Chime Bank, which had a positive balance of {$500.00}. I was told I would receive my cheque within 7 to 10 days. To date and over 30 emails and 17 calls later, they are continuously asking for the same information. I even tried changing my address, and despite sending my personal information to them over seven times they refuse to change my address. I eventually told them to send it to the existing address on file and today XX/XX/XXXX, they continue to refuse to send my funds by telling me my account has a No XXXX sign. I don't even know what that means. I have been locked out of their app since XX/XX/XXXX.
Consumer complaint received 2021-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc. (OH)

We obtained financing for a bathtub. Began making payments. My husband lost his job. We became delinquent in repaying our outstanding debts. We began trying to dig ourselves out of a hole but were negligent in getting back on track with this loan. We were later in the process of trying to refinance our mortgage to lower our interest rate when we discovered that the creditor had placed a XXXX lien on our home so we were not able to refinance. Since then we have attempted to come to an agreement with the creditor. They continually refer us to a third party credit collection agency. However the collection agency is not empowered to negotiate the amount, a repayment schedule or a payoff amount. They have refused to submit our offers to the original creditor unless they fit into a very narrow definition basically a full payment of the loan in one or several installments. The creditor has been charging us 21 % interest on the loan. We are unable to payoff the whole amount at this time and would not be able to cover the interest payments with a monthly payment plan. The creditor will not allow us to come to an agreement with them if we were to arrange to sell the house and would like to make arrangements for a settlement with them. I finally made contact with them but we were told that someone would return our call and contact us to discuss arrangements. No one called back. Instead they escalated the severity of our delinquency on our credit report, changed the status of the loan to in collections and have damaged our credit even more at this point. We are no longer able to obtain financing to purchase a new home. We feel like we are between a rock and a hard place. We actually need to purchase a new home that will accommodate our XXXX. But we can not do so without making arrangements to payoff this debt and improving our credit score. However, negotiations are essentially being refused. We have no leverage and they apparently have no motivation to talk wit us.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

On XXXX XXXX, XXXX  the merchant XXXX issued me some refunds in the amount of {$99.00} {$49.00} {$69.00} {$4.00} {$9.00} {$59.00} {$49.00} {$49.00} {$99.00} {$1.00} {$9.00} {$49.00} = {$550.00} on XX/XX/2023 my checking account was closed and Im trying to contact the bank via email and phone calls and all they tell me is my account is closed nothing about my funds that were refunded to me by the merchant. I need my money and when will I get it. Then on XX/XX/XXXX XXXX the merchant also issued me a refund for the amounts of {$19.00}, {$9.00}, {$1.00}, {$4.00} and on XX/XX/2023 are {$24.00}, {$24.00}, {$39.00}, {$39.00} a total of {$160.00} but my bank account is closed so where is my money at or whats happening to it and they wont provide me with no answers.
Consumer complaint received 2024-03-22
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. (IL)

Could you ensure the removal of incorrect accounts as per FCRA 605B from my credit report? I'd appreciate it if you could review the documents. Some of the listed accounts seem to be inaccurately reported.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 a sent letters regarding inaccurate and unknown items on my credit report. To this day 35 days later i have not received a response. I feel like I am be take advantage of and being ignored by my disputes.
Consumer complaint received 2021-07-07
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. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) and 15 USC 1666 ( b ). Reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I have been having issues with my bank, which is Chase, regarding someone else stealing my identity and writing checks and withdrawing money at a branch in person pretending to be me. The first time happened with a check that was written for XXXX $ ( I have a picture of it ) I did all that is needed to recover that money and I got my money back. So I went to a branch in person to ask them to restrict my account and open a new one, which it happened. I asked the banker if he could tell me if the check of the picture is real, and he said yes. He was able to see that someone got checks in a branch in XXXX, CA. He explained me about impersonation which I might have understood why the check was provided to that person. Everything was okay until a similar situation happened last week with a higher amount. 
I noticed that XXXX $ was withdrawn from my checking account. So, I did the same thing we are told to do : call the bank, report fraud, and I was able to get my money back. I asked the representative on the phone if she could tell me how and where this happened, She was able to check and told me that it was a withdrawal made with a banker in a branch here in XXXX. She gave me the address so I can go ask, and I did it. I went to the branch and asked to speak to the manager who was on lunch at that time. I was really upset because anyone can clearly notice the signature on my ID is completely different from the signature of the withdrawal. I asked for the banker 's name who wrote that paper. They refused to give me the name of the banker for " security purposes. '' I understood that, but what about my security purposes? What kind of banker works there that they do not check the signature in the ID and the one that person signed at that moment? They only told me I have to wait until the fraud department do the investigation. I needed the money at that moment because I had to pay the bills. The branch where my money was given away to others is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
After going through those moments where I had to miss work to try to solve my issue, I decided to close out my account with Chase completely. 
I would like the company to train their people better and get better ways of identity. Please, do something for me so other people do not go through the same XXXX I went through.
Consumer complaint received 2024-03-22
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. (OH)

I recently reviewed my Consumer Reports and noticed that I had several late payments reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Reporting late payments is unlawful/illegal according to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report.
Consumer complaint received 2021-07-07
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: Bread Financial Holdings, Inc. (PA)

My XXXX  credit report shows a charged off amount. It currently shows I owe {$290.00} to ComenityCB/XXXX. I've contacted XXXX, who states I have no balance. I was given to the collections that advised me my account was sent to another agency, but he couldn't tell me who. He transferred me to the number, they are no longer taking calls. He offered to take the payment to remove it from my report. However, would not allow me to mail a check, an would not email me or mail me a statement. Also told me he didn't have the capability to remove it from my credit report. I consolidated my debt with XXXX XXXX  and a check was issued to XXXX for the {$290.00}, with the information showing it was cashed. ( I'll attach a copy ) I've disputed this with XXXX  3 times. 
Can you please help? I really feel I was being taking for a ride. The recovery specialist 's name was XXXX XXXX. His phone is XXXX Ext XXXX. The agency he was transferring me to that doesn't accept calls XXXX, then he tried another one XXXX. XXXX XXXX
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (AL)

I purchased a replacement vehicle through XXXX XXXX in XXXX of XXXX for XXXX. Vehicle had check engine light on and I brought it back twice as I had 30 day warranty. I was told both times that it was a fuse that caused back lights/brake lights to malfunction and cause the check engine light to stay on. Fuse was replaced but check engine light stayed on. Car was not running properly and overheating. I brought the car back within the 30 days and the car stopped overheating for a few weeks and the check engine light never went away staying on since I the day XXXX bought it. The car started overheating and I was forced to take it to different mechanics in XXXX, XXXX, until I took it to a XXXX XXXX dealership and was advised that to repair the car it would cost more than XXXX and I couldnt afford to pay that. Throughout this time I placed numerous calls to XXXX and fell behind immediately on payments due every 2 weeks due to repairs done by non XXXX mechanics. The mechanic that looked at my car twice at the location I purchased it from was not a mechanic he detailed cars that were bought at auctions and sold to consumers like me that due to a divorce destroying my credit. I was told that I had purchased a warranty when I call to surrender the vehicle due to it breaking down and repair costs were over XXXX, but I couldnt use it because I was over the mileage by XXXX miles. I was also told that I financed this warranty that cost over XXXX. I was shocked and called the location I purchased it from to ask the manager about it and he told me that he would get back with me and never did. Before I purchased this vehicle Id purchased a XXXX that unfortunately was totaled due to a car accident and I came back to them due to the first experience purchasing a vehicle from them. 
As of today they continue to report on a monthly basis false information such as balance, term, balance due when the car was sold and they charged off account. The information provided to XXXX XXXX and XXXX  do not match and Ive disputed the inaccuracies with all 3 credit bureau and when I called to get a copy of the agreement I was told that due to XXXX being bought out by Bridgecrest they couldnt find it. I continued to dispute the inaccuracies for 6 yrs and after reviewing the updated information I called Bridgecrest again today to ask why they continue to report incorrect information and advised that I would be contacting the credit agencies to advise on their abusive tactics and that they refuse to provide me any documentation or agreement and their response was verbatim prove it and call was terminated. I dont know what to do and feel that this has gone on for way to long and I should have some sort of right to defend myself and my credit from their abusive in house financing which they say this will never go away.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.