davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

in XXXX of XXXX  i made a lease payment to infiniti financial services which was returned unpaid as i used the wrong stored account. infiniti decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XXXX XXXX XXXX   as i get a notice of a 30 day past due from XXXX XXXX from infiniti financial services i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as infiniti financial services not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed. see attachment for vehicle vin #
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (UT)

I opened a Care Credit account after signing up for a {$3500.00} XXXX XXXX XXXX XXXX. The services that I was given were not helping and were not making my condition better, they were making the condition worse. Care Credit charged me {$3500.00}, even after I had canceled my appointments because it was worsening my condition. 

The services that I received were not satisfactory and not what I paid for. The doctor told me that 1 treatment per week would be {$80.00} which would include all machines, because I had 4 visits I offered to pay {$320.00}. I offered to pay for what I used, but the prices he is offering are grossly overcharged. The services I received could be purchased on XXXX, XXXX, or XXXX for much cheaper. Per CFPB XXXX ( c ) ( XXXX ) : " When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. '' I tried to assert my right not to pay for what I was overcharged and I asked the doctor to only charge {$320.00} for the four sessions. Doctor responded with an itemized list of what services were used, which were inflated prices. The doctor did say they would waive {$1500.00} that were used, but I would still owe {$1900.00} of services that were misrepresented and I did not use. 

I am asserting my right not to pay for services that were not satisfactorily resolved. I am withholding payment for the outstanding {$1900.00} that gave rise to this dispute. I am willing to pay the {$320.00} for the treatments and 2 nutrition shakes for {$100.00}, which are the services I received. 

Please email me for any documents needed.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX, and Experian are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Experian have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX be delete immediately from XXXX, XXXX, and Experian account.
Consumer complaint received 2023-10-17
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)

In accordance with the fair credit reporting act account # XXXX, has violated my right. XXXX XXXX XXXXXXXX. 15U.S.C. 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 15U.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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (IL)

I am writing to complain to XACTUS-CP about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently reported a plethora of unauthorized charges to bank of america via the usage of my debit card that begin XXXX reported XX/XX/23 once I noticed the low balance as the charges totaled {$2400.00} via XXXX XXXX. I also reported it via XXXX XXXX as well. I requested bank of america block any future transactions and they cancelled the debit card attached, I had not heard anything else from them, nor did they request any additional information, however I then find out on XX/XX/XXXX  the morning of that they denied my claim, for an unmerited reason, now I have to still pay my rent because that was my rental payment and am now facing eviction. I am a compliance manager and I even reached out to XXXX XXXX to also file a dispute - BOA indicated based off prior statements or activity- and conducted no investigation as any prior authorized transactions weren't disputed or refuted, However I DID NOT authorized the charges in which I remitted a complaint about, only to be told they could not confirm an error. I feel it is completely unethical and unfair and I know they've had tons of complaints and lawsuits of unethical practices, but I refuse to allow this to occur to me and intend on fighting this tooth and nail as I know this is unfair. Their response was they are unable to approve my claim Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract smh
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (TX)

I had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My XXXX account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. XXXX then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from Velocity Recoveries stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with XXXX  and Velocity, and they both do not have answers. XXXX told me the loan should not have been sold, it was then sold. XXXX told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from Velocity telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to Velocity. XXXX refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

My checking account continued to be debited for unauthorized transaction for XXXX XXXX XXXX XXXX My account was linked to a LOC ( Personal Line of Credit ) for Overdraft Protection, so it too was depleted. My total loss between both the checking accounts and LOC was approximately {$4000.00}. I have statements that show list of ALL transaction dates, amounts, and name of online gaming vendor ). 
I have contacted Bank of The West local branch, I have completed a dispute per branch manager advise, but the bank did NOT refund me my money. I even contacted District Manager, but I was totally disregarded. 
Please note that these transactions where made from a secondary checking account, that wasnt used often ; not my primary checking account so I was unaware of what was happening, and unfortunately although the bank does get a daily overdraft report that the Operation Manager receives, is required to review, and is required to contact customer whom are overdrawn, or show suspicious activity I was never contacted.

At the time Covid hit and I was XXXX  and couldnt follow through with trying to get my money back. I am ready to provide all info needed to support my complaints, and hope you can assist me in getting my money back. 

Thank you, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I had a company ( XXXX ) come to my home to perform a service that was not fulfilled. I paid {$100.00} for the services that day and that service was not fulfilled either but I paid. I disputed the cancellation charge for any further services stating that this company broke their agreement when they clearly broke their terms. I won the dispute and Citi Bank Visa refunded my money. The cleaning company then went into my credit card and took another {$250.00}. I have changed my card numbers 3 times, put a block on, a privacy onI have done everything I can to prevent this company from breaking into my account and I keep being assured they wont break in but they do. This last time, very cleverly, they first took {$45.00} when they realized they could get in my credit card again they took an additional {$250.00} more. I feel CitiBank Visa is not protecting me and my money from these people. I can not cancel the card because I would lose {$280.00} in Costco money/ points if I cancel before XXXX. I am on a fixed income and the reason I hired this company was I was having my husbands memorial service at my home and needed their servicehuge mistake! Thank you for your time.
Consumer complaint received 2023-10-17
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. (IL)

Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act ( XXXX ) Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (AR)

On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

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. 

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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I am writing to complain to TOYOTA MOTOR CREDIT CO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing to complain to BANK OF AMERICA about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

I recently got my debit card stolen at a ATM in which someone did a unauthorized transaction. XXXX XXXX {$180.00} plus {$2.00} ATM {$200.00} plus ATM fee {$62.00} AtM Withdraw plus XXXX fee. I reported my card stolen and filed a dispute. I filed dispute I did not let her the same day I thought it was pretty fast no way they could investigate it that fast. So I filed an appeal and a couple days after that I got denied so I asked for an explanation for both reasons why because there's no reason why I shouldn't have got the denied XXXX have disputed and appealed the transactions XXXX times and they steady keep me too following appeal. I have not received my credit I am eligible for because once they deny your appeal the 10 days starts all the way back over I notice XXXX will never get my credit if they keep denying me for no reason. I have asked for documentation for the investigation and they have not sent me any explanation only questions i answered for my disputes. Not only that I talked to an agent and they told me the reason why they are denying claims because they need more time to do the investigation but in the policy it says they have 45 days to 90 days to do the investigation so why are they denying claims just to get more time it is actually setting the customer back on their credit that they are eligible for I have proof of all of this. I have been talking to chime about this problem and all they say they can do is file a rebuttal I have done XXXX times and still no evidence to why I am getting denied I just want my refunds but they refuse to give it to me. They are not following their policies correctly.they also refuse to give documentation of why my claim was denied that is explained on the denial email I keep on receiving they refuse to give me the documentation I don't think they have it because it's been a month and a half and no evidence from that letter they keep denying my disputes with They shouldn't be denying my claim if they don't even have evidence.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I sent a letter out on XX/XX/ to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Consumer complaint received 2023-10-17
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. (FL)

I wrote in and sent in certified letters asking them to dispute each inquiry listed on my report because I did not authorize them and believe them to be fraudulent. I ask to dispute each one and provide me with documentation that shows my signature giving authorization. They keep sending a generic printed letter saying that inquires are a matter of record and they dismiss my claim. Ive had this happen 5 times now. They need to comply with the fair credit reporting act and do their job because these errors on my credit report are hurting me.