davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I went to bank of America in XXXX, Virginia branch back in XX/XX/year>. I was told you can talk to the Merrill representative to get higher interest. I made appointment and talked to the representative. Even though, I had a check with me, she told me to get cashers check and come back. I went another day with the cashiers check for XXXX, and I was given a XXXX envelope and, ship the check by going to XXXX store. I did as I was instructed. In the meantime, she was so determined to make me open another bank of America account and credit card, just because you have this large amount of CD you do not have to maintain minimum amount. I did open the account and credit card. 
I wonder why they have not contacted me about my CD maturity, I went to same branch. I was told the CD was never open, because you did not come back to open the CD. Which I was not aware of at all. She said I left you a message on your phone, which again never got. I did not get any email or letter. 
I put the complaint and a representative who investigate my case told me, it was not her obligation to email or write you a letter, she is allowed to call just one time. There for it is my fault that I did not get the message. She knows I went there to open a CD but did not have the time to contact me. After they use my money for more than a year, they can not honor the interest. This is not an ethical practice in my opinion to the big bank like Bank of America. Could you please investigate on my behalf and make aware of other people, especially the minority community who are English their second language. 
Thank you
Consumer complaint received 2023-03-08
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$6600.00} XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

I recently submitted a loan modification application to Caliber Home Loans that was denied the week of XX/XX/XXXX. As a result, I submitted an appeal. 

The basis for my complaint is that every Caliber Home Loan representative that I had spoken with BEFORE and during this process neglected to tell me that I would not qualify for a modification because I had one in XXXX, finalized in XXXX. In fact, one representative told me WHEN to apply and that I needed to wait ONE year which meant that I could apply as of XX/XX/XXXX. No one told me that I would NOT qualify based on those facts which would have been extremely helpful. More importantly, it was my right to know and be properly informed. 

This is not the first time that I have been given the wrong information from a Caliber representative. I have experienced this before and as a result, a manager by the name XXXX, had to personally review my file because I had been misinformed and my file had been improperly handled. At that time, I was initially denied a modification and after XXXX handled the case, I received a modification, and completed the trial payments seamlessly. All of this is a manner of record ( recorded and verifiable ). This time, once I received the denial letter, I contacted the company, requested to speak with a manager because I was tired of the runaround and misinformation. Nevertheless, they did not allow me to do so.

I do not believe Caliber exhausted all the hardship options available and for this reason, I think it is unfair and unprofessional that I'm continuously given incorrect information especially regarding such a serious matter. As a homeowner experiencing a hardship, I deserve to have all my options explored which I don't believe they have been. Additionally, I deserve to receive accurate information so I can be fully aware of the process and where I stand.
Consumer complaint received 2023-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

A Chase representative contacted me about covid relief and did not properly disclose terms. They never disclose the ballon repayment. This is clearly another form predatory leading. They have also violated the National Banking Act. They have failed to respond my QWR nor have they giving the gap accounting. Finally GA community affairs were willing to pay {$50000.00} for assistance but Chase refused to send the work agreement to Georgia Community Affairs
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

I submitted a dispute via XXXX on XX/XX/XXXX after noticing an error on my credit report from XXXX years ago from Affirm where they incorrectly reported a delinquency. My loan payments were all paid on time and then I paid the remainder balance in full in XXXX XXXX XXXX with along with my regularly scheduled payment. You can see this reflected in my credit report. Then they suddenly reported in incorrect XXXX  day delinquency the very NEXT month in XXXX which isn't possible. How can they confirm the payment in XXXX but somehow say a payment is XXXX says late the very next month? That's not possible. Then they say it's XXXX  days late the next month. Again not possible. Loan was paid that XXXX. They finally reported the loan as closed on XX/XX/XXXX. THEY made the mistake of not marking the loan as closed until XXXX, although you can clearly see it was paid in XXXX.
Consumer complaint received 2024-04-19
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: GOLDMAN SACHS BANK USA (MO)

On XX/XX/year>, my XXXX XXXX  was stolen and the thieves were able to access my Apple Card, Apple Savings, and created an XXXX XXXX  account. I lost access to my XXXX XXXX and was unable to retrieve it, ever. I canceled my Apple Card on XX/XX/XXXX once I realized I had experienced fraud. I spoke with XXXX regarding the XXXX XXXX  and Goldman Sachs ( " GS '' ) about the fraud and contested many fraudulent charges. I am legally not responsible for unauthorized charges on my account. GS knows this and acknowledges the same. Thereafter, I paid the balances for all purchases on the the Apple Card Statement made by me - GS acknowledges this and I have proof of payment. My payments were made and complete by XXXX. Yet, GS records reflect a balance on my closed account from the Daily Cash reversals related to the fraud purchases. The Daily Cash that was earned with the fraud purchases is being held on my account in abeyance -- and should be released to pay the balance. I have called NO LESS than 50 times to settle this account and been elevated to 5+ supervisors ( they are above managers ) and NO ONE has the authority to settle the account and no one cares enough to review and resolve the issue. Each supervisor states that he/she will resolve the issue and get back to me within 10 days with a resolution, only one returned the call, and yet there has been no resolution. You never get the same supervisor twice on your compliant. Because of GS, my credit score has plummeted from XXXX to XXXX. I am seriously considering filing a suit against GS for harassment, tortious interference of contract, and intentional infliction of emotional distress. I am a lawyer and look at numbers all day -- and used to use GS for Investment Banking -- an area in which they are competent. I WILL NEVER RECOMMEND GS or work with them again. This is the worst and most incompetent organization with whom I have ever done business -- BEWARE OF GOLDMAN SACHS -- IT IS PATHETIC.
Consumer complaint received 2023-03-10
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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred 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 2022-12-14
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. (NC)

I have repeatly mailed the Reporting agency regarding this inaccurate information. In fact, I have mailed them approximately 12 times through certified mail asking for a REINVESTIGATION. I have requested for proof of the investigation they conducted and the response I received is that the furnisher has verified, and the information is accurate. I've asked for documents containing my signature and any other information that they used to agree with the furnisher that the information they received belongs to me. I have consistently written the Reporting Agency and informed them that the account they are reporting is inaccurate and does not belong to me. I've been told by the Reporting Agency that they have conducted an investigation and that they are not REQUIRED to conduct another investigation. 

XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instruction.
Consumer complaint received 2023-05-26
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have been trying to get a hold of someone in XXXX  for 3 weeks. I was denied opening a checking account because of the information on this report. The bank would not share the information with me. And told I needed to go to XXXX to get the report. 

I requested a copy of my report and have not received one. I have called and can not get a hold of anyone and left a voice message. There is no way to reach a live person or get a follow up about a request for a copy of my consumer report. 

It's difficult to know what the issue is or fix an issue if I don't receive the consumer report to find out what the problem is. 

What are my options?
Consumer complaint received 2021-07-31
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 — Investigation took more than 30 days
Company: LEXISNEXIS (MI)

I sent lexis nexis a dispute letter in XXXX and according to USPS they received it XX/XX/2021. 30 days have elapsed and still no reponse!
Consumer complaint received 2017-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

XXXX XXXX XXXX turned an account over to a collection agency named Caine & Weiner to collect a debt that I do n't owe and that was as a result of identity theft. I have made both XXXX XXXX and Caine & Weiner aware that this debt does not belong to me and was as a result of identity theft but both of them have ignored me. XXXX has had agents threaten me when I have called them to make the aware that this was fraud and told me that I needed to just pay it or that they would have me arrested. I have tried to have communications with this company multiple times but they continue to threaten me and intimidate me. The very same is true with Caine & Weiner there agents are also unethical, when I have called in to their collection agency to allow them to know that the debt they were attempting to collect was fraudulent, they have also threatened to have me arrested if I did not pay the debt that I have explained to them that I did not owe and was as a result of identity theft. I have been yelled at and cursed at by the representatives at Caine & Weiner. Both Caine & Weiner have told me that they plan to continue to defame my character and hold me liable for this fraudulent debt until I pay it.
Consumer complaint received 2023-07-31
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am trying to get a business loan & in doing so noticed fraudulent reports on my account In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I am writing to file a formal complaint against Citibank for arbitrarily blocking access to my bank account. This action has not only restricted my ability to manage my funds but has also prevented me from closing my account, which I sought to do based on this negative experience. 

Timeline of Events : XXXX of XXXX of 2024 : Noticed that access to my account was blocked without prior notification or explanation from Citibank. Attempted to log in multiple times throughout the day with the same result. 
XXXX of XXXX of 2024 : Contacted Citibank customer service to inquire about the reason for the account block. I was told that the issue would be reviewed, but no specific reason was provided during the call. 
XXXX of XXXX of 2024 : Followed up with customer service as I had not received any further communication regarding the status of my account or the reason for the blockage. The issue remained unresolved without a satisfactory explanation. 
Impact on Me : The arbitrary blockage of my account has caused significant inconvenience and distress, as I am unable to access my funds. The lack of transparency and adequate communication from Citibank has compounded my concerns, prompting my decision to close my account. However, the ongoing block prevents me from taking even this action. 

I am seeking immediate resolution to this matter, including full restoration of access to my account and a detailed explanation of why it was blocked. Additionally, I wish to proceed with the closure of my account following the resolution of this issue.
Consumer complaint received 2024-03-21
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. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, Transunion, and XXXX XXXX I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within 24 hours. I will file a SEC complaint. I will be forced to get an audit report done.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NJ)

Complaint against Gemini Trust Company , Llc I have {$1300.00} in my exchange account and I wan na withdraw it to my verified bank account but I'm getting a error.I opened a ticket to customer support they told me we need proof of closure your old bank account. I provided and I also removed it from their app. there is only my current verified bank account. It's been 2 weeks. I can't get answers my e-mails
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.