davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/2019, XXXX/XXXX Inquired on XX/XX/2019,. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (GA)

Obviously a scam, you'll never get your money back once they have it! I opened a savings account only with Affirm on XX/XX/XXXX. I've been trying to close my account since XXXX since interest rates elsewhere are more than 7 times higher. They will not let me transfer the balance in my account out unless it's to the account used to fund their account. Who would keep an outside savings account open after moving the funds to a new account? All attempts are a completerunaround and wear you out tillyou give up. After failing multiple times since XXXX by chat, or phone, filed email complainton XXXX XXXX XXXX responded saying they'd resolve in 3-5 days and " they are forwarding to the appropriate department '' What is that exactly? Hearing nothing for 13 days, I responded to emailonly to have XXXX respond therequest canonly be handled by phone. Most calls require you to enter numerous security codes sent to your phone and shuffle you between departments and personnel until you give up or they drop you. For example, on XX/XX/XXXX, called them entered my relevant phone, address, name, TWO security codes at different points then they hung up on me. Called back, same XXXX eventually got XXXX in the " Account Closure '' department I guess, she was " unable to close the account until the Savings department sent my funds '', enter XXXX in the Savings Dep't. Again verify my name, phone, address, hold 10 minutes, advises " she can't help and must escalate to higher department ''. I asked repeatedly what that " higher department '' was only to be told " customer satisfaction '' and later that she was " looking for a manager '', another 20 minutes on hold. XXXX passes me to XXXX claiming to be a manager who after I explain again, tells me she can't give me my funds, I need to do it myself via their website. I explain AGAIN, how their website won't allow it telling me to call ... after warning me that she will hang up if I raise my voice, no cursing or threats, just loud, back on hold another 24 minutes. She returned to tell me she can't help me and took me on-line where I had to demonstrate that their system won't allow me to withdraw my funds. Again tells me she will " escalate to the proper department '' and when i pressed for timing again heard " 3-5 days ''
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (TX)

I called on XX/XX/2023 to close the account. I received a email from avant that the account was closed. Then i receive a notification from the app that i was charged the late fee and I need to pay the account. I called and advised avant that I closed the account..today I received a bill it was not a final bill. And they are reporting false info to the credit Bureau as if the account is opened. I closed it and is waiting my final bill to pay it. I refuse to pay a late fee on a account that I closed.
Consumer complaint received 2022-08-21
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Credit Card Company, I am writing to you today regarding my credit card account # XXXX which I had while I was going through a change in my career. The purpose of my correspondence is to see if you would be willing to make a goodwill '' adjustment on the reporting of this account to the three credit agencies. I take full responsibility for the payment and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 
As soon as I became aware of the balance paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I would like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated. 
Best Regards,
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

I hired a husband/wife by the name of XXXX XXXX and XXXX XXXX to perform renovation work on my home. To start the renovation work they requested XXXX to purchase materials and in return I requested their credentials and XXXX license. During the city permit request process, I realized the XXXX license number provided by the couple belonged to a dead person. I notified the couple and requested return of the XXXX I paid them through the ZELLE APP available through XXXXXXXX XXXX account. They disappeared with my money and I proceeded to open a police report which is actively being investigated by a detective with the XXXX XXXX XXXX police department as A FELONY CHARGE. I also notified chase bank and ZELLE of this theft by deceipt criminal act by XXXX XXXX and XXXX XXXX. I was also able to confirm that the XXXX payments I made went into a verified bank account which belongs to XXXX XXXX. 
A verified account means ZELLE and XXXXXXXX XXXX have vetted and authenticated XXXX XXXX. 

XXXX ) So why is ZELLE and XXXXXXXX XXXX not looking at the balance sheet? 

XXXX ) Why is ZELLE and XXXXXXXX XXXX allowing XXXX XXXX and XXXX XXXX to steal from customers by condoning these criminal acts being performed through a verified account? 

XXXX ) ZELLE policy is not available on the XXXXXXXX XXXX app, why is XXXX endorsing and advertising a service that they did not get themselves? 

XXXX XXXX and XXXX XXXX are thugs and utilizing verified bank account for their malfeasance which means the bank is condoning their criminal acts. This criminal act by XXXX XXXX and XXXX XXXX did not take place in a foreign land, it happened here in the United States and I am sure this is not the first time XXXX XXXX and XXXX XXXX have utilized a dead person 's XXXX license information to steal from people. Their account should be flagged for fraudulent activity. 

ZELLE and XXXXXXXX XXXX  are no different from the the XXXX XXXX XXXX XXXX because they are all liable, lack accountability, and XXXX fraudulent acts.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2021-02-23
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. (MA)

XXXX  - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information
Consumer complaint received 2022-08-21
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. (AZ)

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I was XXXX  and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.
Consumer complaint received 2021-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

We refinanced our mortgage in XXXX and our lender changed from XXXX to a company called PHH Mortgage. Our first payment through this new company was on XX/XX/2021. A few days before the due date I went to go set up my new account and input all my ACH info for direct debit like I normally do for any other bill I pay online and like I previously did for my mortgage and it came up with an error popup that I could not make a payment online and had to call their phone number. I called their phone number listed and the customer service rep explained they would allow me a one-time free " courtesy '' payment over the phone this one time, however in the future it would be {$17.00} every time I want to pay over the phone in the future. They said there was no free way for me to pay my mortgage unless I wanted to put it in the mail and hope they received it, but they advised me the mail is very delayed and there was no guarantee they would receive it in time, and that to pay online I needed to sign a form they would mail to me, insisting I needed to sign it very quickly. I received the paperwork and it is a Note Amendment to my mortgage! It says in section 2 that they can charge me up to {$19.00} per payment online, it makes no such statement that this is for me to be able to pay my mortgage for free. When I called to confirm they restated the charges to pay over the form and insisted if i wanted to pay online I must sign the Note Amendment. When I asked how much it would cost for me to pay online without the Note Amendment they said that wasn't possible, nor could they tell me what the fee would be once I do sign the Note Amendment because apparently the fees are different state to state and they said there was " no way '' they could tell me what those fees would be. There is no way for me to sign up for autopay or do single payments besides to sign this Note Amendment that states I can be charged up to {$19.00} which I find excessive. They claim they are a debt collection company but their company name is PHH Mortgage and they were offered to us by our mortgage broker - if I had known they were a debt collection company and could charge us exorbitant fees just for the privilege of paying our own mortgage we would have NEVER agreed to a mortgage with this company.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (TN)

i have been asking the company for years to put my frequency date at the XXXX and the XXXX, now that my loan is almost paid off and I have lost my job this last month calls for XXXX payments. this probably not the first time that they have stuct to me like this. I called them last week and aske for a loan modification, they tyold me yestewrday that it was denied because they could not give those dates. i asked for other dates and asked for another loan modification. i tyalked to about XXXX or XXXX different people, XXXX in escalaion. i talked to excutive in escalation. they can not give anan answer on the modification until Tuesday, all the time XXXX to messe my XXXX i ask to talk to corporate, it is obvous they want more money up.they do not want to do anything about tere mistakes but hold me accountable. if and when i do XXXX  a new or used vehicle i will not use these guys and futher more I do not recommend them. at the end of my loan they start to act like this,
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint XXXX To Whom It May Concern : I am writing to dispute the validity of the collection account associated with my name and Social Security Number XXXX While I acknowledge that I have made payment to your agency to close out the account and that the reporting of the paid account was accurate, your company has still engaged in unlawful practices in violation of the Illinois Collection Agency Act ( IL CAA ) and the licensing requirements of the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

The core issue in question here is not the accuracy of the reporting itself but rather your company 's legal right to collect the debt in Illinois. As an aggressive advocate for my rights, I must insist that you promptly address the following concerns : 1. Licensing Violation : Your company was not duly licensed by the IDFPR when you attempted to collect on the alleged debt. Your failure to secure the necessary licensing constitutes a violation of the IL CAA, which mandates that all collection agencies operating in Illinois be appropriately licensed. This violation nullifies your legal right to collect the debt and voids any associated reporting. 

2. Illegitimate Reporting : Considering the licensing violation, any credit reporting associated with this account, even if accurate, must be considered illegitimate. As a result, I demand that your company immediately remove any adverse information related to this account from my credit report. 

3. Legal Consequences : I would like to remind you that your company 's violations of the IL CAA, specifically 225 ILCS 425/2, 425/8, and 425/9, expose you to potential legal liability. Although I have paid the account, this does not absolve your company of its unlawful actions. I reserve the right to pursue legal action, including but not limited to seeking monetary damages and injunctive relief, as a result of your company 's violations. 

4. Documentation : I require written confirmation from your company acknowledging your compliance with the above requests and a comprehensive accounting of any actions taken in response to this dispute. 


Please be advised that if you fail to comply with my requests and continue to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), the IL CAA, and other applicable laws, I will not hesitate to take further legal action. 

I expect a prompt response and resolution of this matter. All correspondence should be sent to the address listed above.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OK)

I was never contacted by the debt collector and only knew about the debt from checking my credit. I have still not received a letter or a phone call from the company verifying the debt other than me calling to try to resolve it. I have not received a letter or phone call letting me know I could dispute it. Even when calling the company to see what the debt was they never offered me a way to dispute the debt.
Consumer complaint received 2023-09-17
Product: Credit reporting 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. (NY)

I have been trying to update my phone number on my file and this system is not allowing me to update my phone number my phone number is XXXX it is no longer XXXX Please assist me in correcting this matter the problem is not so much getting the credit score as it is getting a fair credit score it took about four months to get the credit bureau to update my credit file properly when they updated my credit file they removed almost all of the negative reporting information on my file which now shows a lot of positive credit information where's I only have 4 negative reported items on my file I have about 9 positive items maybe even 11 positive items on my credit file but they are giving they have reduced my score instead of increased it so when I asked them why they reduced my credit score the only thing they could tell me is that they use a FICO 8 model to calculate my score when I said to them that this seems to be unfair that even though I have so much good credit history and activity why my score went down my score never went above XXXX even though from XXXX XXXX I paid all of my debt and I have been keeping my credit payment history in good standings with the only credit that I have two of the four credit report reports from two lenders are not quite accurate but they are actual reports on my file two are still in dispute which I am apparently going to have to take those companies to court nonetheless the credit score has only gone down from XXXX to XXXX after removing all of the negative stuff from my file and reporting it properly then instead of my score going up it remained low it only went up XXXX points whereas when they dropped it they dropped it as I said from XXXX XXXX to XXXX which is approximately XXXX points why it dropped so much but it only increased so little I am bothered with and it is costing me the ability to get credit from creditors When I asked to speak to the department that programs this FICO eight 's credit score model in order to find out why they have reduced my score so much and have increases so little all they kept telling me is that my score is calculated by the FICO 8 model which they still could not explain to me or would not explain to me what this FICO 8 model is I am very angry because I feel that this is discriminatory practice I know of people who I've spoken with one specifically came out of XXXX with a very negative credit report and within six months his credit score was increased and he was able to get a car loan and not to sound discriminatory but this person was a XXXX person a young XXXX guy that I know
Consumer complaint received 2021-09-19
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. (NE)

I disputed this account here and it was paid and closed yet they changed the close date and since this in an inaccurate information that is grounds for deletion. Credit agencies are not supposed to be moving my close date as that is incorrect information and trying to keep this inaccuracy on my credit report for a longer period of time.
Consumer complaint received 2023-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I applied for a personal loan, as I'm on long term XXXX. The loan was approved for {$1900.00} and my credit report and number was pulled. I signed the contract after requesting XXXX of the available limit. After signing the contract I was notified that my loan was denied.