davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have attempted to verify requirements of the offer, but representatives were unavailable or required hour or more waits. I was to receive a {$300.00} offer after {$4000.00} dollars were directly deposited to my account.As such, I was purported to receive the bonus 60 days after the {$4000.00} requirement as  met : -  XXXX   XXXX   XXXX    XXXX  ,  XXXX  was directly deposited to the account, via  XXXX  payroll  XXXX   XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund, and, finally, -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited to the account via  XXXX  payroll ; As such, Bank of America h as offered an unfulfilled offer. The payroll was reoccurring, and the tax is, too.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number # XXXX XX/XX/XXXX - Went to purchase a car from the dealership. At the time of purchase, I was trading in a vehicle that held a payoff balance of {$36000.00} with another finance company. The dealer and I contacted the current financial company, Infinite Financial Services to verify that the payoff balance listed on the letter I provided was accurate. The payoff balance at the time was {$36000.00}. The dealership process that information as part of my new loan finance and informed me that they will issue payment to Infiniti once sale id closed. I purchased the vehicle, closed out the sales order, and drove my new vehicle home. Later that evening I check the balance on my account and was given {$36000.00}. 
XX/XX/XXXX - An automatic payment was processed from my bank account to Infiniti for {$450.00} that I could not overturn because I failed to discontinue autopay. However, I noticed that there was also a manual payment for the same amount in process for XX/XX/XXXX which I was able to callback. 

XX/XX/XXXX - I confirmed with my bank and Infiniti FS that the XXXX payment for {$450.00} was reversed. I also received an updated payoff balance letter of {$36000.00}. 

XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX Infiniti to verify the payoff balance and was given {$36000.00}, which was the amount that they paid to Infiniti FS in order to receive the vehicle 's title. 

XX/XX/XXXX - Per Infiniti FS 's portal payment history page, my account balance was {$0.00} and the title had been released to the dealership. 

XX/XX/XXXX - I called Infiniti to discontinue some of my services when I learned that I had a balance due on the account for {$470.00} because the payoff payment was than the payoff amount mentioned on the letter. 

XX/XX/XXXX - I called and asked that the account be closed out and was refused. 

XX/XX/XXXX - I called back requesting the account be closed out and was informed that if I do not make the payment that I would be reported to the credit bureau for delinquent payment. 

My complaint is Infiniti Financial Services is attempting to hold me responsible for an error on their part for provided XXXX XXXX XXXX 's loan servicer with accurate payoff information different from their payoff letter after all payments and transactions were settled, resulting in a short payment from the new loan servicer. And they released the vehicle under the basis that the account balance was paid in full as mentioned in contract and on their automated services. However, they are looking for me to pay the remaining balance for their error.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I tried to get my credit report directly from Experian website and was given this mesaage : " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' I called and had my report sent to me.     Once I received the report, I tried to dispute inaccurate information and again received the same message. I called customer service and was given another number but was still unable to dispute it with that number so I called back and disputed it over the phone and had it removed.     A month later when trying to order another paid report for a job, I got the same error message of, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' The strange thing is, I can log in to experian.com/now and access the free report that 's updated once a month but am unable to request an updated report when changes are made unless I request it by phone.     At what point will I be able to access my own information to avoid this in the future?
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (RI)

My daughter and I are moving on XX/XX/XXXX of XXXX. I opened a XXXX  account so I could try to sell some clothing that I had that I didn't use. I received an email On XX/XX/XXXX stating that one of my items had been purchased and to click on the email to receive the payment. I did it the next day on XX/XX/XXXX. It was the first time I had ever done this, as I was new to the site. They said that I needed to confirm that I was the cardholder and to put my debit card number in and they would put a {$300.00} hold on my account but it would only be a 5 second temporary hold. They stated that it was not a payment but it was just a security measure to help weed out fraudulent activity. As I completed the steps that they asked me to I saw that they took the {$300.00}. After 15 minutes I still didn't get it back I called cash app. They said that I had to wait until the transaction was settled and no longer in pending status. They said that they could see that a temporary hold was put on but to give a call back and they would be able to resolve it for me. When the XXXX came I checked and the charge had been settled as a payment. They never returned the {$300.00}. I called cash app to dispute it. They wanted photo evidence and I did mess up on that part so I called them back and they said unfortunately I would not be able to resubmit anything I had to wait for it to be denied and then resubmit it, turn the 12 photos of evidence that I have into a XXXX  document and then attach it to the new email. I did that and sent all of the proof in and I called them today on XX/XX/year> and they said that it's still denied. I sent them proof that they said that it was not a payment It was just a temporary hold, when I called them they said that they could see that it was a temporary hold. But they are not allowing me to get my money back. I sent them every step of me being scammed and how it looks like a legitimate XXXX site. I reached out and asked for documentation on why they denied my dispute even with the irrefutable evidence. She said that She would send something out to somebody and request that I get the documentation. I'm a single mom, I am low income. In the last year I have had the XXXX surgeries. I was diagnosed with XXXX XXXX and had a full XXXX. I then needed XXXX  XXXX. That money was literally all I had in my account. I have tried explaining my situation to them but they are not listening to me They don't want to help. I need help on this situation please!
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

O n  X/X/17 , Citibank ema iled a letter to me asking to cash an official check indicating, this can be easily resolved by simply depositing the check or requesting a replacement.     O n  X/XX/17 , I deposited the check at  XXXX  ATM, but re ceived a letter from chase saying that that  XXXX  could not accept a check that is over 6 months old and direct me to ask the Citibank to re-issue the check.     On   X/XX/17 ,  I called the person who open the account for me,  XXXX   XXXX , at  XXXX   XXXX   XXXX , CA location.  XXXX   XXXX  told me who could not do anything for me.  One w ould hope that the banks representative that opened your account would be there to help later. Some call it the moment of truth.  XXXX   XXXX , however, was not willing to assist me at all. I explained to  XXXX   XXXX  that I already spoke with Citibanks customer service and I was informed that the cashiers check has not been cashed and a new check needs to be issued at the local branch.     O n  X/XX/17 ,  I visited Citibank office in  XXXX , CA that is closer to my work. I met with  XXXX   XXXX .  XXXX   XXXX  was not able to resolve my issue and said she will update me with the status on the following day, Friday ,  X/XX/17  and will expect to have it resolved by Monday,    X/X/17 . D espite her promise,  XXXX   XXXX  has not called me at all. My calls to that branch would always be forwarded to  XXXX  customer service that in turn would not be able to assist me.     After waiting for over a week for  XXXX   XXXX  response,  on  X/X/17 , I  called  XXXX  customer service at  XXXX  and placed a complaint #   XXXX    XXXX   XXXX   XXXX   XXXX  with  XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX  assured me that an email will be sent immediately to  XXXX , CA branch,  XXXX   XXXX , and the branch  XXXX  and that I will receive a response shortly. To this day, I have not heard back from anyone at that branch.     O n  X/X/17 ,  I went to  XXXX  Bank branch in  XXXX , CA, my current bank. I spoke with the assistant branch  XXXX ,  XXXX   XXXX , about my inability to resolve this issue with Citibank. She encouraged me to get in touch with Citibanks corporate office and to file a complaint with the government.     O n  X/XX/17 ,  I visited  XXXX  location in  XXXX   XXXX , CA. I asked  XXXX   XXXX  to see the branch manager,  XXXX   XXXX , but even though she had no clients in her office, I was told she could not meet with me.     As you can see from above exchange, Citibank and its representatives have been impossible to deal with and have been deceptively promising to call me back with no intention of doing so. Since the Official Check has initiated from my own account and is payable to myself, there is absolutely no reason for Citibank to refuse to help me and treat me in the condescending manner.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

XX/XX/XXXX XXXX unauthorized withdrawals on wife debit card XXXX {$500.00} {$300.00} {$770.00} {$550.00} $ {$620.00} {$520.00} {$620.00} XX/XX/XXXX Bank called XXXX ( wife ). She said she did not do the XXXX withdrawals to bet XXXX XXXX XXXX unauthorized XXXX  processed XX/XX/XXXX XXXX called all day saying he did not do they charges XX/XX/XXXX XXXX got XXXX emails that they were done with investigation and closed the XXXX claim and said they are not reimbursing The XXXX unauthorized transactions occurred on hard XXXX XXXX XXXX out of XXXX  on the same day I have no clue what that App is.
Consumer complaint received 2024-09-10
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. (TX)

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on XXXX report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I re-applied for  a Loan Modification f or the second time in  XXXX   XXXX  and was denied on  XXXX   XXXX ,  XXXX . I appealed that decision and received a letter dated  XXXX   XXXX ,  XXXX  ( see attached ) confirming that denial. Chase continues to assert that no error has been made.     I followed up with a QWR request ( see attached ). A lady from the Executive office called back after 10 days, and I have not heard from her since.     Chase has denied me a loan modification citing that my condo in  XXXX  is not my primary residence and hence that disqualified me from all HAMP programs offered by  XXXX   XXXX . I was also denied because  XXXX   XXXX  does not give forbearance since the condo is a rental condo now. Basically I was denied all and every loan assistance base on high  DTI  but primarily was never considered for loan assistance because my condo is a rental condo. I beg to differ.     I occupied my condo   XXXX - XXXX  . When I did not get any loan assistance, I was compelled to look for a job in another city. The fact that I relocate for a job does not change the status that my home is my principal residence and is still being paid for, maintained by me. Under HAMP guidelines, if I relocated for employment does not change the status of my principal residence. Ever since I relocated for a job and being under prolonged unemployment, I have not been able to purchase another home in another city either. I am a displaced homeowner after the recession o f  XXXX - XXXX .      This is an ongoing issue of continuing negligence on the part of  Chase in processing a HAMP. Chase  refinance my loan at  XXXX  in  XXXX   XXXX . However, I made an additional investment of $  XXXX  with a family loan to gut and renovate the condo. This resulted in the  Condo Valuation  of {$240.00} when Chase refinance the loan in  XXXX   XXXX . The valuation of the property did not go up with market forces from purchase to refinance in just 5 months. Chase abused the inflated valuation of  XXXX , and chose not to do a valuation when I applied for a loan mod in  XXXX   XXXX  because the effect of the recession would have impacted the valuation and if they sent me a valuation then, I would have had an opportunity to point out that the high home equity that now was far above  XXXX  of the mortgage basically included a separate investment to gut and renovate the condo.     Chase deceived me and preferred to use an inflated valuation of  XXXX  instead, and used my Home Equity percentage to deny me a loan modification in  XXXX . I bring this up to demonstrate a continuing pattern of negligence and receipt.     I have been denied access to cheaper credit that was offered via a Federal program.
Consumer complaint received 2023-06-25
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2017-05-15
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. (IN)

I put in a dispute on  XXXX   XXXX ,   XXXX   with Experian credit bureau and tried to delete inaccurate addresses, I was told to call in, in which I did. I spoke with a representative named  XXXX  from team  XXXX . She was very rude, I tried to explain to her that the addresses associated with my credit report are inaccurate and that my name is being tied up to addresses that I have never lived at. She did not want to hear my dispute, after I got off the phone with  XXXX , I received an email that my dispute was finished. I looked at my new report and nothing changed. By law my disputes are to be investigated appropriately. It was not investigated appropriately because I received an updated dispute the same day. This is not legal, just because  XXXX  did not like my disputes or what I had to say does not give her legal action or rights to close out my disputes without properly investigating.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

The magnetic strip was not working on my Targ et Red Card so I  ordered a new card. I never received the new card. Someone intercepted the new card, activated it online and used it to purchase electronics. On  XXXX   XXXX ,  2017  I was notified of the series of fraudulent charges. I immediately disputed these charges. I contacted an attorney who sent in an ID Theft Affidavit, Police Report and supporting documents. We are also working on getting the surveillance tapes from Target. Target denied my ID Theft claim based on the wrong information that the card used to buy these electronics was in my possession. The card used to purchase the fraudulent items was the replacement card that I never received. I have had a very difficult time trying to work this out with Target.     I hope your agency can help communicate the correct facts and get this resolved. I have made the minimum payments on this account, so my credit is not ruined.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Modern Adjustment Bureau (CA)

Collection Company : Modern Adjustment Bureau,   XXXX   XXXX   XXXX  , Ca  XXXX  They are attempting to collect for FULL payment for dates of service : date sub.  | date of. | Provider of Service Billed. Paid by to insur | service. | Amt Ins.    ______________________________________________________________________   XX/XX/XXXX  |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} 03/07/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX    {$2100.00} {$290.00} 01/08/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} Modern Adjustment Bureau is attempting to collect a total amount {$6400.00} rather the the amount of {$290.00} for each procedure stated above.      Yes I admit I cashed the checks from insurance company, and in the past when I had gone to  XXXX  for my lower  XXXX   XXXX  procedures I had signed any insurance check (  s ) I  received signed over directly to  XXXX  ... For this particular procedure I received payment in the    XXXX    calendar year for  XXXX  date of services. At the time of  XXXX , I was NO longer seeking any more treatments. I also want to note that I NEVER received any invoice from the above provider for the due amount of {$870.00}.     I then contacted my insurance to attempt to find out how to address. Even though the above provider was NOT in my network, they did accept previous payments made by my insurance company and did NOT seek full payment for billed amount.     My insurance company has also noted that there are many dates of service where they did NOT pay, due to some accreditation as well as not being in network. But as I stated accepted the payment by the insurance company. There is now through the insurance documentation of this. As they stated to me, this is illegal. I have since contacted the service provider to explain my situation and stated that they would take the amount owed of {$870.00}. I also stated to them the Modern Adjustment Bureau has been making harassing phone calls and are belligerent.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

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

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 



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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.