davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (FL)

XX/XX/2021 Purchase made for {$280.00} using XXXX ( merchant ) app was having a problem completing the large purchase with Affirm. I was receiving notifications that the purchase wasn't completed and the item was still at risk of being purchased by another buyer. After a few attempts, I decided to charge my CC for the full amount instead of the loan since it wasn't allowing affirm to complete. So I paid in full {$280.00} on XX/XX/XXXX with my CC. 
XX/XX/2021 I woke up the following morning to check the transaction and see if there was any tracking information posted yet. And XXXX ( merchant ) had disabled the listing which confirmed I purchased, as it appears they also disabled the Seller 's account and all of their listings, but didn't notify me or issue a refund. So, I contacted XXXX about this listing and expressed my concerns. 
XX/XX/2021 XXXX replies that the seller is having shipping issues to allow more time but refuses to respond to my concerns that the Sellers listings and account are disabled. This is because XXXX doesn't have any customer service or business accountability its a robotic method and community generated support team. 
XX/XX/2021 I received notification from Affirm that a loan was now issued days later- for {$280.00} for the purchase which I already paid for. I contacted XXXX again, no resolve, no real acknowledgement of the problems. I also immediately contacted affirm and uploaded documentation that I was double charged and advised them that the listing also seems to have been a scam where I am also without the item purchased as well. Affirm provided a generic response and closed my dispute pointing fingers at the merchant ( XXXX ) Now I am stuck in the middle of 2 poorly performing companies with nearly {$600.00} lost. 
XX/XX/XXXX, the listing for the Item has disappeared completely that I purchased, And remains on my app as purchased. Adding that I still have record of the purchase, and now I am double charged and no refund or investigation from the Merchant XXXX, or from Affirm even with 3 disputes and several emails plus uploaded documentation. No one seems to care or address the fact, that I was scammed. 
XX/XX/XXXX, sent another email to XXXX with no resolve. I am now out almost {$600.00} and will definitely be filing legal complaints in the courts to recoup if both companies don't work together to sort this out.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Experian, XXXX, XXXX continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. 

( 3 ) Inconsistent reporting by Experian, XXXX, XXXX.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against XXXX XXXX XXXX  XXXX ( XXXX  ), and the response from XXXX  dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that XXXX XXXX XXXX will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage XXXX that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a XXXX representative to explain the reason for the new charge. It is on record that the XXXX representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from XXXX XXXX XXXX has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the XXXX XXXX XXXX  ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by XXXX  are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by XXXX XXXX XXXX, relevant pages of my Credit Report from XXXX, XXXX, and Equifax showing XXXX entry of payments as reported by XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2016 I made my first payment to XXXX XXXX owner of XXXX XXXX XXXX. I paid him {$6500.00}. XXXX started work on my house on XX/XX/2016. I reluctantly made a second payment of {$9800.00} on XX/XX/2016 on my BOA credit card.. I felt uneasy because the second payment was supposed to be made after completion of the drywall which was only 75 % done. That payment was supposed to be after drywall was complete. On XX/XX/2016 was the last time XXXX or anyone from XXXX XXXX XXXX  was at my house. He never came back to finish the job I already paid him for. I called, text and emailed many times with no reply. 
On XX/XX/XXXX I called and disputed the charge. I explained to Bank of America that I needed to dispute the {$9800.00} right away. I explained to them there was also a charge for {$6500.00} that I wanted to partially dispute because he never finished the work from the first down payment I gave to XXXX XXXX XXXX. 
On my XXXX statement I received a partial credit for {$3200.00}. I still don't know where that number came from. I guess the person from BOA I spoke to misunderstood me. 
To be clear I am disputing the full {$9800.00}. I am also disputing {$2300.00} from the {$6500.00}. I sent BOA and estimate ( like they asked ) from another licensed contractor XXXX XXXX showing how much work was completed from my first deposit of {$6500.00}. They estimated that about {$4200.00} worth of work was completed total by XXXX XXXX and XXXX XXXX XXXX. 
BOA just kept giving me the run around. I sent them many emails and texts between myself and XXXX XXXX. 
They still refused to credit me. Since then I have not received a letter or anything saying I still owe that money. Not until I went to refinance recently did I realize it is on my credit report. This is why I'm making this complaint so long after the fact. I still have copies of emails, text and contract from XXXX XXXX owner of XXXX XXXX XXXX discussing this matter. XXXX since then has claimed bankruptcy so I am unable to go after him personally. Please help me clear this up. This guy XXXX is a crook. He took that last payment of {$9800.00} knowing he was never coming back! 
I appreciate your time and help on this matter. You can call me anytime for more information at XXXX XXXX XXXX. Or email me at XXXX. 

Sincerely XXXX XXXX
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union reported 3 criminal records on me. ALL 3 ARE BOGUS. 

1-they reported a routine civil traffic violation as a XXXX XXXX  FL criminal complaint and settlement. Totally bogus. 
2-they reported a XXXX XXXX XXXX XXXX XXXXn XXXX XXXX  FL . I lived in XXXX  until XXXX and NEVER have had a XXXX XXXX complaint. 
3-they reported ANOTHER bad check incident in XXXX XXXX  FL in XXXX ( or XXXX... hard to tell ). I lived in XXXX  until XXXX and have NEVER had a XXXX XXXX complaint or charge. 

This has affected my immediate urgency to get a rental home. 

Shockingly bad behavior from a crucial company in this process. 

I have an occupation that would have revoked my license if I had such complaints. None of the above happened.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After opening an account at Capital One I requested equal access for my disability. I was told the disabled had to wait 20 days by XXXX, XXXX and XXXX managers at Capital One. All 3 persons hung up on me saying the bank would decide my disability and the bank would decide the accommodation under the ADA. They refused to take any information about my disability for an appropriate accommodation.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a State of Michigan unemployment debit card issued through Bank of America. I was placed on partial layoff because of the pandemic in XX/XX/XXXX and my unemployment benefits were deposited into this account. On XXXX I discovered that my account was depleted of over {$13000.00} with all the fraudulent purchases being made on XXXX XXXX. These purchases were not made using my XXXX account XXXX ), which has no previous history on XXXX XXXX. My card was never lost during this period and was always within my possession. 

I notified Bank of America immediately upon discovering this on XXXX. A claim was filed and I was informed that an investigation would be conducted. I sent a follow-up letter mailed to Bank of America Claims Division on XXXX. I also immediately filed a fraud report with XXXX Police Department on XXXX. 

On XX/XX/XXXX I received in the mail a response from Bank of America dated XXXX, which indicates that they permanently credited my account with {$490.00} for fraudulent usage and have closed my case. I have never used my card online, have never used it at an ATM and have never given it to anyone else to use. The total amount charged through fraudulent purchases on XXXX XXXX was {$13000.00}. 

I regularly checked my banking statements at the end of each month to see where my balance was using their website ( XXXX ). At the end of XX/XX/XXXX, I had at least {$13.00}, XXXX in my account. There was no fraudulent usage at that time. On XXXX, while attempting to a make a purchase of approximately {$68.00} at XXXX XXXX XXXX, my card was not completing the transaction. Upon arriving home and checking my account, I discovered the expansive list of fraudulent purchases using my card information to make hundreds of purchases on XXXX XXXX. The fraud purchases with XXXX XXXX begin on XXXX. 

I do not understand how Bank of America determined that fraud was committed on my account, but only credited me with less than 5 % of what I lost. My case with Bank of America has been marked as resolved with this permanent resolution of {$490.00}. I do not believe that a full investigation was completed fairly and I am requesting assistance in this matter. Using the Consumer Financial Protection Bureaus consumer education page, it says you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. I notified the bank within 10 days, well within the required time period. 

This money was given to me because of the layoffs occurring during the pandemic. I was holding on to it to pay off bills at the end of the year. Currently, I am unable to make these payments. Therefore, I am hoping that the Consumer Financial Protection Bureau can reopen my claim with Bank of America and give me a fair resolution.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (NY)

On XX/XX/XXXX a negative mark was removed from my account. Now Im XXXX its reinserted back on my credit report for XXXX. I do not owe this debt and it was previously removed. Also it was sold to another collection agency. Please have this deleted.
Consumer complaint received 2021-10-07
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. (MA)

My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I requested a method of verification through experian because they would not allow me to submit another dispute claiming that they verified that the accounts I wanted to dispute have been verified! Instead of sending the method of verification they sent a broad statement and opened another dispute that resulted in the same finding, that the accounts have been verified. I contacted the reporting agency and they verified that that dont report any information to the credit bureaus or third party vendors!
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC (GA)

After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " Lending point LLC ", Im demanding it be blocked and immediately removed from my file. There's no agreement with this company, Lending Point LLC, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 1 ) Lending Point LLC. 

Attached is the FTC provided various times to Lending Point. They are not willing to investigate the issue and deny with no reason. They continue to refer me to XXXX XXXX XXXX, a company they sold the loan off to before the end of this investigation and XXXX XXXX has already removed this fraud loan off of my credit.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020
Consumer complaint received 2021-10-07
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)

The last dispute I submitted was in XX/XX/XXXX in regard to their reporting of my XXXX XXXX account. The account has been reflecting a 30 day late payment which is being reported incorrectly. I received a letter from XXXX XXXX that I mailed to Experian that reflects they reported the 30 day late payment in error. This letter was generated on XX/XX/XXXX in which they also stated they mailed to the bureaus in regard to the error as well. But yet after their attempt and a year later they are still showing false information. If this attempt does not work with the CFPB I will take it a step further to get this inaccurate information removed as this is intentional false reporting and I am sure that there are laws against this type of activity. If they do not believe that the letter is factual there is a contact number on the letter which makes me believe they didn't even bother to investigate my dispute. XXXX XXXX even refunded the amount of the late pay due to the error. I am also uploading a copy of the letter that I receive from XXXX XXXX.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (TN)

First Financial Asset Mgmt Inc owes me Monterey relief for the damages and violations against me XXXX XXXX The Natural Person & Consumer .FFAM INC sent me a letter stating I owed a debt. In this letter was numerous violations that FFAM INC IS AWARE ABOUT! I have attached an affidavit of truth
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a person not a credit repair agency I called XXXX today at XXXX XXXX central standard at the and talked to a ignorant representative XXXX I asked it fa ha supervisor or boss she has me on hold for over 2 hours and is playin on the phone they be playing games and lyingh messing peoples lives up. I hate dem XXXX and needs my XXXX fixed bcuz this aint even right and dats how people cant be getin XXXX dez XXXX  gone made me not get my furnitute fo my kids and dez sum dum.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc (TN)

UNITED RESOURCE SYSTEMS ACCT : XXXX Total : {$1500.00} Someone stole my identity, got arrested in Mississippi, and received healthcare from at least XXXX XXXX XXXX  XXXX XXXX. 

My identity was stolen please help. 

I know there are probably more bills that are fraudulently in my name this is all I have currently.
Consumer complaint received 2021-08-30
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. (ND)

I received a message from Equifax that a Hard inquiry had been added to my credit report. Knowing that I had not applied for anything since XXXX  of XXXX, I went on to investigate. The Inquiry is from XXXX XXXX XXXX- Personal Loans and it states the inquiry is from XX/XX/XXXX. 

I immediately disputed with Equifax and have still been unable to open the PDF that was sent to me with their decision. I called and they stated that I would need to log on to your web site and file a report in order to get the hard inquiry removed. I have also added a freeze to my accounts so hopefully this can not happen again. 

I also tried 4x to contact XXXX XXXX XXXX, 2 times I was left on hold, the other 2 times I was transferred to a manager, no names given, and left messages only to not receive any communication back. 

I would like to get this removed from credit report as this is something I didn't apply for and would be very interested on how they got my information!