davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I traded my 2015 XXXX XXXX lease two month early of contract for a new 2019 XXXX XXXX lease. Infiniti of XXXX XXXX the Dealer promised to waived the last two payments on my 2015 lease per the program offered at IFS. I received a bill for the two payments from Infiniti Financial Services for the two payments left on my lease. I contacted both IFS and the dealer to explained that I was promised this would be waived if I trade my two months early of contract. The dealer Infiniti of XXXX XXXX Finance Manager and Infiniti Finance Services personnel both agreed that it was a mistake on their part and that I was NOT responsible for this balance. Two months, nothing was done, I received notices from Infiniti Financial Services demanding payment for the balance. I contacted again, both the dealer and IFS to find out why they still did not process the waiver for the two payments. I was told every time that is being handled by a different personnel or department and not worry about. Three months later, I received a collection notice from a third party collection agency that my account was in default. I contact Infiniti Consumer Complaints and was told someone will handle my account XXXX. Nothing has been done. Every single time, I get transfer to someone new. The General Manager at Infiniti of XXXX XXXX continues to blame Infiniti financial and stating that they are suppose to waive the two payments and that since this was not been done that he will have their accounting department send a check to pay off the balance. Another 30 days go by, nor the dealer or Infiniti Finance Services have done what they promised. Now whenever I contact the dealer Finance manger or General Manager I get a voice mail. Infiniti Finance Services and the Dealer have been giving me the round around for almost 5 months. My account still shows unpaid and now in a third party Collection Agency.
Consumer complaint received 2017-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (FL)

My husband and I have had an XXXX XXXX XXXX XXXX for 9 years and have never had an experience like this. We are 2 hard working honest people and not use to dealing with criminals. Some bad people are using stolen credit cards and purchasing products from our company, and had the products shipped to an address in XXXX XXXX, FL that turns out to be a freight forwarding company. The credit cards used are stolen and the owners are not aware of the use till its to late. Orders for our merchandise are processed by Pay Pal. We collect the name, address, phone number, credit card number, CVV number for each transaction and the information is processed by the card holders bank and approved back to PayPal. They approved the purchases in question ( approximately {$6000.00} ) and Pay Pal sends us an OK to ship the products. We then send order information to our suppliers who ship the products to the purchaser. After a few weeks, the REAL Owner of the credit card files a complaint with Pay Pal saying they did not order the product. WHEN THIS IS DISCOVERED A CHARGE-BACK TO US IS INITIATED BY PAY PAL AND THE MONEY IS TAKEN FROM OUR ACCOUNT. The bottom line, is that the Bad People got the products and we had to pay the bill to our suppliers. The products sent to the freight forward company are forwarded on to another address, most likely off shore where the Bad People are picking up the products. The card holder bank that approved the transaction is holding us responsible for the full amount, even though they approved the card with a fake name on the card, different address than the owner of the card. They should have responsibility in this as well, they approved the purchase. We filed a complaint with the FBI and the XXXX County Sheriff ( File # XXXX ) two weeks ago. Got a return call from them saying that the freight forwarding company is a legitimate company and because of that they ca n't ( or wo n't ) do any more. They recommend if we get any more we email the freight forward company and give them the name and they will close that account.
Consumer complaint received 2022-04-11
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 XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I initialed a wire of XXXX usd from my chase checking to my friends XXXX XXXX on XX/XX/XXXX. It just disappeared. Money is never there. I tried to solve the problem with them. I provided details and tried to recall the money so many times. And theres just nothing. Okay I guess they arent even working on it since they never even told me where the money was and I know they can trace it. My recall request was received on XX/XX/XXXX. The whole thing is going on for 5 months. Its very unusual. Hope you can help with that!
Consumer complaint received 2022-10-25
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)

The inquires below are not tied to any open accounts> I believe they are negative affecting my credit report and it is an unfair representation of my credit worthiness. 
Inquiry XXXX : XXXX XXXX XXXX XXXX on XX/XX/2022 Inquiry XXXX : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX Code 1681a ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
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 — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This past Spring of XXXX I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long medical training. Upon applying for the physician mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a Bank of America credit card ( with a limit of only {$5000.00} ) that I opened in medical school to pay for travel in XXXX related to applying to and interviewing for residency, a mandatory post-graduate training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in May of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the physician mortgage. More egregiously, when I called Bank of America to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of Bank of America has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the physician mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, Bank of America 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I used Coinbase to trade XXXX, my account was hacked and all the money was gone. Hackers started to take money from my Coinbase account during the night while I was sleeping. When I woke up and checked my account, money was gone, so I tried to get hold of Coinbase which has no custormer service available, all you can do is to send a message online and get a ticket number from them. Then I started to search for Coinbase Hacked Accounts, and I was suprised by the number of people who had the accounts hacked, even more surprised when I found that that Coinbase has not assisted or refunded anybody, all that customers can get are bot messages, thats it! At this point, after reading so many cases, I dont even believe that Coinbase will refund the money hacked, I just hope that more and more victims can continue to report their cases so eventually Coinbase can be held reaponsable for many losses, including mine. Coinbase ticket # XXXX
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I received a credit card from Bank of America with a XXXX credit line in my legal name, XXXX XXXX XXXX, without submitting an application. I called Bank of America fraud department and they closed account XXXX before it was activated. Their rep told me they received an application in my name on XX/XX/2020 and she was able to give me the last XXXX digits of my SSN. 

I got a second card from them for a {$14000.00} credit line, XXXX, on XX/XX/XXXX. I called their fraud department again and got it closed also. I got more info this time ; the application came from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, for both cards. 

I found that a hard inquiry was made on the XXXX Credit Bureau. They have noted the fraud and performed a credit freeze for me. I have not filed a police report or with the FTC.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I opened a vehicle loan with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The XXXX XXXX XXXX account remained opened and showing a balance due, so I filed a dispute with XXXX, XXXX and Experian. I also filed a credit reporting dispute directly with XXXX XXXX XXXX to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, XXXX XXXX XXXX deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from XXXX XXXX XXXX, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, XXXX  and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through XXXX XXXX XXXX and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my XXXX XXXX XXXX account. XXXX XXXX XXXX is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.
Consumer complaint received 2021-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XXXX I sent off letters to the credit bureaus regarding inaccurate and unknown items listed on my personal credit report. As of today it has been over 30 days ( 35 days exactly ) and I have not received a response yet. I really feel like I am being taken advantage of and my disputes not taken seriously, basically ignored as if how this effects my score and life is a game. Base on my understanding from my research they have up to 30 days to investigate the items and if not those items should be immediately removed from my credit report. As I mentioned it has been over 30 days. I respectfully demand that these accounts be deleted immediately or I will file for litigation due to the stress and hardships this is causing me. Also my personal information was impacted by Equifax 's data breach and may have landed in the wrong peoples hands. Thank you in advance.
Consumer complaint received 2022-09-28
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)

TransUnion is ruining my reputation and financial well being for my family. Consumer reporting agency assumed the role on my behalf and it is fraud. I will be forced to take TransUnion to court and am prepared to do so. I am a consumer and the harm you're causing my family is causing stress and XXXX-you have 10 days to DELETE the FRAUDULENT accounts.
Consumer complaint received 2023-01-12
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. (PA)

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MN)

We had hail damage in our roof last year. We opened a claim with the insurance company who approved it and released the funds right after the job was done in late XXXX. We tried to get the check deposited but because of the amount, our mortgage company required contract/bid/tax documents, etc from our contractor. We provided everything and after several phone calls back and forth they finally released a part of the funds. The total cost of the project was XXXX XXXX and they sent us a check for XXXX in XXXX. They still have {$6500.00} to release to us, but that is pending inspection. Since early XXXX I've been contacting them weekly ( lately almost every day ) to get the inspection scheduled. They assigned me an inspector, who contacted us on XX/XX/18 and left a message to call him and schedule the inspection. After 3 attempts without being able to get a hold of him, his phone number got disconnected ( XXXX XXXX XXXX ). Then I called again the mortgage company to explain what happened. They said they would assign another inspector. I have not heard anything back from anyone and every time I contact the mortgage company, they say they've escalated and someone will contact me soon. They refuse to give me an email, so I can have written documentation of this mess or to give me the inspector 's phone nr. I am losing my patience with this company that won't give me any answers or my money back. We have our mortgage through XXXX XXXX XXXX and the division that works with the claims is XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

I was contacted by chase mortgage that I did not qualify for mortgage assistance.I am a XXXX widow and on a limited income.I have a credit score of XXXX.My daughter and her family pay me XXXX a month to help me.They have thiere own bills to pay and so do i.They have gone up on my house payment XXXX a month.I get paid on the 3rd wednesday of each month and they charge me a XXXX late fee.I have a fannie mae loan and I thought they were suppose to help me in a situation like this.I cant afford my home by myself.It looks like my mortgage is not even going down.They bought my mortgage from loan depot and I have had nothing but problems.I have lived in my home for 35 years and I lost my husband 8 years ago.I feel like I am being turned down because of my situation.Not sure if I can contact Fannie mae or not.How is a XXXX person on a limited income suppose to survive.They act like I should just get rid of my home so they can get thiere money.Please Help
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC (GA)

The law offices of Jennifer MCCOy illegally went into a savings account of mine and fraudulently took out {$10000.00} for a debt that I do not owe.I am seeking immediate remedy.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid 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: Chime Financial Inc (GA)

On XX/XX/XXXX I received a notification that the number on my chime account had been changed and another stating the card was removed from XXXX XXXX. I immediately checked XXXX XXXX XXXX card still there XXXX logged into account and seen transactions I didnt make. Immediately called chimewhile on the phone with them trying to disable the card I watched over XXXX $ leave my account. I watched them transfer money from savings to spending and couldnt do anything about it. Its now XX/XX/XXXX and I am still waiting on my funds. Spoke with a supervisor on XX/XX/XXXX who stated she labeled the notes as High Priority. Why isnt everyone who has a dispute not treated as high priority? The nightmare goes deeper than that but thats to sum it up.