davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

I got an alert showing a 30-day late payment on my credit report in XXXX of 2022 from Affirm. 

When I first signed up for this account they were not reporting to the credit bureaus and as a matter of fact, that was one of the leading factors behind my using the company to make a purchase. This is my first time ever using Affirm. 

After I got the account they started reporting to the credit bureaus, and they didn't give consumers an option to opt out. I already felt that was a violation because it changed the age of my credit report and my utilization. It also reports as a consumer finance account and that carries a negative indicator on credit reports. Lastly, it's a short-payment account and upon paying off the loan I also took another hit from the account closing. 

On top of that, my truth in lending disclosure shows a different payment date from the one that they claim is the date they based the late payment on which can create confusion. 

I called the company and requested a removal of the late payment. A supervisor told me he would put in the request and I should hear back in 3-5 business days, but almost immediately after I got off the phone I got an emailed response that seemed automated saying they would not remove the reporting. I sent back a lengthy email stating my cause and have not gotten a reply back form the company. I was originally told I would hear back by XX/XX/XXXX.
Consumer complaint received 2022-11-15
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: R & B Corporation of Virginia (VA)

This account is to be remove do you its inaccurate information. This account was already removed from XXXX credit reporting agencies due to its lack of correctness! So this agency is still committing illegal activity against a consumer that do not owe a debt to ( CREDIT CONTROL CORPORATION ) Neither do I have a contract with XXXX XXXX XXXX XXXXXXXX this debt that is not mine.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I applied for the Chase Freedom Unlimited credit card in XX/XX/2022. Prior to XX/XX/XXXX there was a promotional offer for 5 % cash back on gas station purchases, but starting XX/XX/XXXX the Chase website offered me 5 % cash back on grocery store purchases. This convinced me to apply, however, I saw that in some places on their website the offer still said " gas '' while in others it said " grocery ''. I called their customer support line and they assured me that if I applied, I would indeed earn 5 % back on grocery store purchases for the first year. After getting the card, I noticed I wasn't receiving this bonus. After calling them, explaining the situation, and even letting them listen to the recording of my prior phone call where I was told in no uncertain terms I would earn 5 % back on groceries, they sent me a letter 2 weeks later saying " Please accept our sincere apologies for the misinformation regarding the 5 % cash back offer on grocery store .... We are unable to match 5 % Cash Back on grocery store as this offer is not available for your account. '' This is not the information provided to me when I applied for the card, and if I had known it then, I would not have applied. They directly admit to misleading me with misinformation and practicing bait and switch tactics to get me to sign up for their card, yet refuse to make it right after I have called them twice now.
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (VA)

In XXXX I found out that I had a property lien which I wasn't aware of. The attorney handling the closing could only tell me the it was for XXXX Bank. To which I responded, we have a payment agreement so I didn't understand why they would have a property lien. Midland Credit is the collection agency that purchased that debt so I called their " legal '' department. During this conversation, I asked about the property lien, why there was one since I had a payment arrangement and had been making my payments faithfully. They led me to believe that they had in place the property lien and need to cancel my payment plan. I protested the canceling of the payment plan, but they said it was necessary in order to resolve the property lien ( paraphasing ). My response was what if it doesn't go through I needed to go back on my payment plan. I spoke with a manager regarding this. Well it wasn't true at all. They were very deceptive. They did not and does not have a property lien. It was a different entity. I feel very lied to and manipulated with the goal of getting my payment plan canceled by any means necessary. I've placed XXXX phone calls today, the first as I was about the explain what had happened she cut me off asking me if I were XXXX XXXX in a very curt manner. I asked for a manager at that point. Told no manager was in the office. Made to other attempts to discuss what happened and to reinstate my payment plan which the woman manager I spoke with said wouldn't be an issue.
Consumer complaint received 2022-11-15
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. (NE)

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Consumer complaint received 2022-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SD)

I have spoken with the collection company multiple times that this debt does not being to me. It is a result of a work injury, they told me I had no choice but to pay the debt, I have been fighting with work comp. They should pay the debt, since this has happened they have garnished me back Account twice. I am working with the department of labor to get things straigened out with work comp.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

An account closed on XX/XX/2017 for a reported balance of XXXX has been reporting on my credit profit as a payment after charge off/collection settled for less - less than the full balance, which is inaccurate, I have contacted the company and the credit bureaus regarding this inaccurate issue but nothing has been done regarding the issue.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (FL)

Please see the attachments on this complaint by me- I am requesting that your company send me copy of the 1099-C, Cancellation of Debt / CHARGE OFF or write-off that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I XXXX, XXXX Authorized Representative for XXXX XXXX requesting documents and has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, XXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am XXXX XXXX and my wife is XXXX XXXX XXXX XXXX XXXX. We got a loan from Santander Bank in XX/XX/XXXX to buy a new car XXXX XXXX and the interest rate is XXXX XXXX. We asked to decreased the interest rate the last month ( XX/XX/XXXX ) because we permanently have received offers from another banks the offer to us interests rate that are between XXXX and XXXX XXXX annual. Santander Bank never answered our claim and we are paying a high interest rate ( XXXX XXXX ), and we would like to get the interest rate offers other banks. For us do not have sense to pay higher interest rates knowing that the interest rates are below average of Santander Bank. Please do something about it.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

ON XX/XX/2022, I used bill pay at BMO Harris Bank and scheduled a payment to be sent.The payee did not accept on line payments so a check was mailed by the bank and the bank debited my account 3 days later. 6 weeks later I found that the payee never received the check, but my account had been debited by the amount. 
XXXX XXXX, I have asked the bank why the account was debited when the check had not been submitted. ( There was no information on the website explaining this practice. ) Response from the bank was that is the way digital pay is done. 
I asked the bank when the bank reverses the debit to my account. They do not ever reverse the debit unless I file paperwork to show the check was not cashed and request that the amount be added back to my account. I also asked if I closed my account without knowing the check had not been cashed, would there be an audit to identify that transaction and credit my account. Answer : no. I asked who would get that money in that case. No answer. 
I think this happened once before, but I can not check it since the bank does not keep records older than 7 years. 
To insure that this does not happen again, I will not use digital bill pay for payees not accepting on line payments. 
I think this practice should be reviewed and hopefully be changed in some way. I do not believe that the bank should debit my account when a check has not been cashed.
Consumer complaint received 2022-08-05
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. (MO)

In accordance with the Fair Credit Reporting act the following accounts are in dispute : XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX  Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX, US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MA)

This debt is not mine and I received a letter from what I think is a legitimate debt collection agency. 

The company that sent the debt to collections is not a real company and the debt is not real. 

If you look on XXXX  reviews, over XXXX people have submitted reviews that this is fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This " company '' is fraudulently attempting to scam people by telling them they owe a debt that they do not owe. 
I have never heard of this company, it's not on my credit report ( yet ) and I do not have a previous bill from them. I checked online and they claim to run diagnostic imaging. I have not had any diagnostic imaging in over 2 years and my insurance company has not received a claim. 

They claim this debt is from less than 30 days ago and according to the letter to me the service was rendered XXXX days before it was sent to collections.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again.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 XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According
Consumer complaint received 2022-11-12
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (TN)

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 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/2022 I closed my BofA account, paid my outstanding credit card bills in full and consequently called ( this is the only option BofA provides for cancelling/closing credit cards!! ) to cancel/close my credit cards ( mine and my wife 's ). 
After this date I received added charges on these cards for which the bank wants me to pay. I do not accept these charges as they happened after cancelling/closing the account. 
- I contacted the bank by telephone to no avail. There was " nothing '' the operator could do other than suggest I pay the bills - I have sent XXXX!! registered letters to the BofA address as advertised on their website and both returned with the message " return to sender not deliverable as addressed unable to forward '' - There are no other options to contact the BofA about this issue. BofA refuses to respond in writing or any other recorded conversation. 
- I currently do no longer live in the XXXX and can not visit an agency There is a gross disrespect for the customer and an intended neglect of the issue by the BofA. The BofA tries to force the customer to pay by making proper written communications impossible to resolve the issue. A court action is an option no easily available to most and to costly against a giant like BofA. I would hope that the CFPB can address this with the BofA
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I had a payroll check deposited into my checking account with usaa. My account was then put on hold for the funds but ended up being closed and was told I had to wait 60 days for them just to close the account all the way and send a check afterwards for the funds. There wasnt any fraud committed nor did any check bounce on my account. Im not getting the proper help with this issue through usaa the representatives have been rude and non insightful pertaining this issue. I have spoke to both departments I was told 10 days at first now XXXX and I am currently stuck in XXXX XXXX TX
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in a letter to Transunion about false and frivolous reporting. They wrote a letter back denying all of my demands. They stated that the XXXX inquiries are not even on the report. 

There are a lot of addresses that have no affiliation to me. I attached a copy of their report and they still deny my demands. 

I also stated that I was a victim of Identity Theft.
Consumer complaint received 2023-09-23
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. (PA)

I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from XXXX XXXX holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter
Consumer complaint received 2022-08-05
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. (NY)

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.