davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CA)

In XX/XX/2018, I paid my car loan off in full. Prior to paying the loan in full, I had been speaking with representatives at Bridgecrest regarding my account status. I initially requested that my late payment me pushed to the back of the loan. They denied my request multiple times stating I was not out of my hardship ( this was obviously untrue because I quickly paid the loan in full ). They then told me as long as I paid my account prior to the end of the month, I would not be considered late. I was told this multiple times and I recorded each phone call. I made my final payment prior to the end of XXXX as agreed, but Bridgecrest marked my account late in XXXX. I attempted to contact a supervisor in XXXX regarding the issue. He said he would listen to the recorded calls that Bridgecrest had on record and get back to me. I told him if he could not find them, I could provide my own personal phone calls. I never received an update. I called Bridgecrest and the supervisor directly for almost a month, received no update, no one even returned my phone calls. So I tried disputing through credit bureau, but Bridgecrest refused to update, XXXX refused to update, and each dispute I asked for where I could send my recorded calls for proof. I am trying again through CFPB. If someone would just listen to the recorded calls either from Bridgecrest or mine, they will here the reps say I always have until the end of the month to make a payment before I am considered late. Bridgecrest saw a customer in need, and denied them the opportunity to apply past due on back of loan, then reported me late after telling me I had until the end of the month. I have seen multiple complaints from other customers about how Bridgecrest has taken advantage of lendees in the exact same fashion. This is an extremely dirty business practice that needs to be addressed.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I am having an issue that I can not seem to have resolved and have been trying to speak with a supervisor at Wells Fargo, but have been leaving messages with no return calls. On XX/XX/18, I contracted XXXX XXXX with XXXX XXXX XXXX to provide floral services for my wedding, which was supposed to be on XX/XX/18. I sent her {$390.00} on XX/XX/18. On XX/XX/18, my then fianc and I had to change the date of our wedding due to a financial emergency. We changed it to XX/XX/2018, but decided we would go on and get married, which we did on XX/XX/2018. I informed XXXX about the change and she agreed with the date change ( I have included all correspondence in regards to this ). Sadly on XX/XX/2018, my husband had a massive XXXX XXXX and passed away. While I was grieving and making funeral arrangements, I had an associate reach out to her in regards to refunding the deposit of {$390.00}, she agreed. My associate contacted her on XX/XX/2018 and she stated that she would see how much the deposit was and contact her back. This was the last we heard from her. I have sent emails and messages, with no response and decided to contact Wells Fargo to retrieve my money. I was told on XX/XX/2018, that I would not be able to dispute it because of the time that has passed. While I am very aware this transaction took place in XXXX, I did not expect my husband to pass away. I called back multiple times since then to try to appeal the decision based on the circumstances and was escalated to a manager, no one has contacted me back. I am very upset with the lack of empathy and poor customer service I have received in regards to this incident. I would not need to dispute this if the merchant would have gotten back with me, nor if my husband had not unexpectedly passed away. I would like some sort of resolution regarding this because up until now, I have not had any issues with Wells Fargo bank.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Had a fire total loss and two payments was told would be deposited into my account by Chase Branch. 
The funds was deposited into my account then removed. 
Since then executive office of Chase informed me complete a intent to repair along with some receipts. 
I did that and the remaining funds have not been released. Then I was told that from Chase Insurance Dept said the Executive Office dont know what they are talking about. Then the claims department on a recorded line said that a inspection was needed by them free of charge showing the intent of work being done and the remaining funds would be release. I told the Chase Claim rep that I have completed 75 percent of the my work on my property already. 

I have just been getting the runarounds and have lost my tenant and will not be able to finish my job and feel I am being discriminated because I am a minority contracted and have submitted my personal information per their request IRS tax information and I have no idea what they are doing with my personal information requested and I have been doing my best to work with Chase.
Consumer complaint received 2018-01-25
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)

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (FL)

On XX/XX/XXXX I received an insurance check for a roof leak. This check was for {$5600.00} and the adjuster report shows predominantly painting and mold prevention. Damage began in XX/XX/2018. I immediately mailed the check to my mortgage company, Arvest and made an appointment with my painter to repair. The mortgage company is on the check along with my name. I also signed a form they wanted and included the adjuster report. Currently they will not answer my e-mails. I've cancelled my painter twice. I have never been even a day late on my mortgage payment. Please help, I need these black spots on my ceiling repaired. Their e-mail is XXXX. Phone is XXXX. I've spoken to them and they told me the check was put in the mail on XX/XX/2018. I do not have a check.
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

On XX/XX/18 I used the services of MoneyGram in XXXX VA to make a money transfer of XXXX Dollars ( Reference Number XXXX ) to my sister in XXXX XXXX, Its been more than 10 days without having able to receive the money or a response of where the money currently is XXXX XXXX
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

I had a XXXX XXXX credit card {$300.00} dollars i paid on it then i had a few money issues then i received calls after calls finally someone offered me a settlement. Then it got handed to XXXX XXXX i took it they never gave me paperwork that this is resolved plus they had 2 different account numbers on my credit report one said satisfied XXXX and another XXXX not settled debt owed so they need to fix it i called but talk to different people over and over again
Consumer complaint received 2019-01-02
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. (IL)

There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XX/XX/XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.
Consumer complaint received 2019-01-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (VA)

I was working with a lady at guaranteed rate of XXXX, va she had my file working on this and it was sort of long time well she pre approved me and then it was some time later she said over the phone i got denied not letter of this was given to me then i get a phone call she left my file undone and someone else took it over later to be told my credit score dropped and i was denied again and got a letter if they would not of took there time on this loan it would of went thru it cost me my forever home. Something to look forward to with my grandchildren so i am upset they took there time.
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AR)

I bought a vehicle from XXXX  XXXX. Ive bought well over 100 vehicles from them. They had a new person that had put the wrong address on my paperwork. The paperwork was not sent to me in a timely manner for me to set up automatic payment. The dealership also had a Covid out break and nobody was there to help. Ive tried to talk to td finance but to no avail. Ive got documentation from the dealership proving the issue had nothing to do with me and out of my control. Ive spent well over 13 hours trying to talk to td finance to only be transferred around and nothing being resolved.
Consumer complaint received 2019-01-02
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. (IL)

There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I deposited a {$10000.00} check into a joint checking account that my step-brother and I hold with Chase Bank. The check was an living trust gift to my step-brother from his XXXX year old biological father. The deposit erroneously generated an over-draft alert on XX/XX/XXXX and USPS letter on XX/XX/XXXX sent to my address in XXXX. I watched the account online daily for the check to clear to have access to funds to pay bills. On XX/XX/XXXX, the check still hadnt cleared and I was denied access to my online account. On XX/XX/XXXX the check had cleared ( available balance ) but still no access to account. I called Chase customer service 3X XX/XX/XXXX ( 30-45 min per call ) and visited a local branch but was told the bank was closing the account with the excuse that they were suspicious of the check and wanted to talk to the maker of the check even though it was available balance online but I had no access to banking services. I arranged for Chase to speak with check maker at XXXX XXXX EST. Chase CS employee would not call maker of check because it would be XXXX PST where maker resides in XXXX despite makers request. So Chase eventually contacted maker at XXXX XXXX  ESTXXXX XXXX PST to learn check was legitimate After this step was completed, Chase CS still maintained that the bank had decided to close the account and it was irreversible. We have been an account holder with Chase for 9 years with no issues. The account receives my brothers direct-deposit Soc Security check on the XXXX of each month. The erroneous over-draft alert was never acknowledged by Chase. Now, Im waiting to receive balances from 2 closed accounts sent to XXXX address while Im in XXXX for the winter. I think its important to note Chase will have the {$10000.00} in funds in their possession for approximately 3-4 weeks while denying me access to online account which will eventually be closed.
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2019-03-31
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: Exeter Finance, LLC. (MO)

On XX/XX/XXXX & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Consumer complaint received 2019-01-02
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. (NJ)

I have tried to contact XXXX XXXX for almost 3 months. Someone opened a credit card in my name with this company and now I have a charge off on my credit. XXXX XXXX is not reachable they do not call back. I have sent emails and called no reply.
Consumer complaint received 2019-01-02
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. (FL)

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )
Consumer complaint received 2019-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CA)

Equifax, XXXX  & XXXX Company : XXXX XXXX Date : XX/XX/2015 AND XX/XX/2015 I got only ONE credit card with XXXX XXXX back in XX/XX/2015, and they closed down one account, however it shows up as TWO accounts closed. I have already PAID the collection within the 3 months the amount showed up back in XX/XX/2015.

I tried to ask them to remove the collection when I paid, but they refused to.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian has reported medical debt on my credit report in violation of its settlement agreement with the NY Attorney General, executed on XX/XX/XXXX, wherein its Experian 's XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX agreed that such debt would not be reported " when the date of the first delinquency is less than one hundred and eighty ( 180 ) days prior to the date that the account is reported to the CRAs. '' XXXX  XXXX XXXX has reported Account number XXXX as of XX/XX/XXXX, which services were allegedly preformed by a dentist less than six months prior.
Consumer complaint received 2019-05-31
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)

In XXXX I put a dispute on my credit report with experian due to some credit cards being on my report that I didn't recognize. It is now XXXX, I have heard nothing back from them. The issue really lies here. I started a new job at the beginning of the month which requires me to use a program that needs identity verification. They use experian to verify client identities. Since I put the fraud alert in, they will not verify my identity which is putting my job at risk. I have tried calling experian but when I put my information in, they revert me to an automated machine that ends the call. I have tried every phone number I could find to call but I can not speak to a person. As a result I have sent 2 letters and filed out 15 electronic forms on their website. Every time I try and log into my account with them, they state that I need to call. Which then leads me to an automated system that disconnects the call. I have gotten 1 email from experian that is basically a copy of my credit report where I can interact with. The report has my FATHERS name and address and a couple of his credit card accounts. We have a very similar name. When I try and dispute his name being on my account it says " you must call in order to dispute this ''. Again, when I call they revert me to an automated system. 

Not only is experian going to cost me my new XXXX a year job that I just got out of college, they are also not letting me dispute serious issues with my credit report. There has been no way for me to get in contact with someone. It has been a month. They are holding my life hostage and they are causing me pain and making me lose money.
Consumer complaint received 2019-05-31
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. (WA)

The Following Credit Inquires are on my Transunion Credit report and I did not Aurthorize them and have spoke to Transunion on this several times and they said they would remove them and have not. 

The Inquires and Dates National Debt Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX 2 Inquiries date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 2023-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Lend You Cash, Inc (TX)

On XX/XX/2023 I was approved for a XXXX XXXX loan from lendyoucashXXXX I signed all necessary paperwork, and gave them all necessary account numbers and card numbers. I was told the loan would be deposited by XXXX! I called multiple times throughout the day to verify we were on the same page. They were very nice until XXXX When the money didnt arrive I tried to call the company and the phone number no longer worked.
Consumer complaint received 2019-03-31
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: The Receivable Management Services LLC (CA)

Recievables has been reported on my credit report which I am unaware of who they are.I worked with XXXX XXXX to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.
Consumer complaint received 2019-05-31
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)

Equifax refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.