davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (OK)

Im tryin to move! I cant move due to an apartment Ive becer lived in being on my credit report. I live in XXXX. The report is from XXXX. Ive disputed it! I have a twin sister name spelt similar, social is almost the same just one number different. Somehow our report was basically one. Ive talked to numerous amount of people tryin to get this resolved. Even disputed it only for them to tell me its mine now Im having to dispute it all over again! Im supposed to be moving in 3 weeks but wont be able to due to this being on mine. I need something done about this ASAP or Im a have to go about this another way! The lady from where they sent the report was flat out rude! Telling me she basically cant talk to me because its not my name on the apartment! Well if my name isnt on it why isnt it being removed off my report!! Makes no sense what so ever.
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my account because of Fraud, they said I deposited some amount of {$2000.00} and {$3000.00}, please I never I deposited any money Before I received my debit card, I was given a temporary card to make deposit and withdraw I misplaced the temporary card maybe it from there the money was deposited into my account. I will never have anything to do with fraud.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (SC)

I am a single homeowner, solely responsible for my mortgage. I unexpectantly became unemployed due to no fault of my own. I requested a forbearance and received it. After the forebearance period I started making payments again. In desperation I had to take jobs that were not suitable for me. I lost my job again, then I started having symptoms of COVID and I have not been able to look for new employment. My mortgage servicer started the foreclosure process. They gave me false hope that they wanted to help me. 
Their solution is a scam that takes advantage of a persons hardship. 
I have been paying for my mortgage since XXXX. I used money I made from the home I owned since XXXX to help pay a down payment on this loan. So in reality everything Ive paid as a homeowner is tied to this home and loan. 
The servicers or XXXX XXXX solution is to modify the loan to a 40 year loan. 
That is nothing but a scam that will never allow a person with a mortgage get on their feet an actually one day own their home. 
Its unethical and needs to be regulated and scrutinized. XXXX XXXX was set up by Congress. There should be oversight into this type of homeownership scams? How can this be allowed? Why is there no help for a person in my situation? I do not want to lose my home but a 40 year mortgage is ridiculous. Id be XXXX before I could pay it back. 
The money that goes toward housing counselors is a joke.its wasted money that would be better spent with a Ethics committee overseeing the housing industry and services XXXX XXXX  and PNC are using unscrupulous immoral practices to hang desperate homeowners. 
Where is congress? Where is help? Where is hope? 
Its all a scam! This needs to be made public,. 
No one deserves to be taken advantage of in this way.
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (TX)

I was under impression that XXXX loan would be repaid at XXXX and now it says payoff today XXXX and apr of 430 % how is this legal and dont give you the lender or third party of who loaned the amount
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

portfolio Recovery as of yesterday reports monthly on my XXXX report that I owe them XXXX now they send me mail, bills and letters stating I owe from a XXXX XXXX Credit Card. portfolio Recovery is also playing on my XXXX  also as XXXX   XXXX XXXX. I have told them over and over I never had a XXXX Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX  report. The other who credit reporting agencies have deleted portfolio Recovery. XXXX will not prove or give me a chance after one time of disputing so therefore portfolio Recovery has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.
Consumer complaint received 2020-05-08
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. (PA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings.

XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$3700.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney John F. LeFevre, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Consumer complaint received 2021-05-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have information that i disputed. Months ago, that is still their. Experian told me that they deleted it but it is still showing. I should only have XXXX address on file not XXXX old address.
Consumer complaint received 2021-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings (CA)

I have an eviction showing on my corelogic report from 6 years ago. It's been paid for XXXX, and me and my XXXX  are going through a really difficult time trying to get an apartment to live in. We are homeless, and this reporting of this information is impeding the wellness of me and my XXXX  The company that reported it ( XXXX XXXX, and XXXX XXXX ) refuse to remove it.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NJ)

XX/XX/XXXX I purchased headphones from XXXX, I returned them the next day to A whole foods location. Angered by their mandatory3-week refund tracking bar ( ridiculous ) I waited until the item was returned and received by the seller. I then canceled my XXXX account. 

From then it's been a complete nightmare, I've called XXXX over 30 times I file with ally. Every supervisor at XXXX tells me their system is literally incapable of refunding a closed account. It'll show initially that they're still waiting for the item, when they check the tracking manually it was returned on XX/XX/XXXX. 

I have spent hours upon hours on this. Ally is already committing fraud by not refunding obvious situations, see my previous complaint were hey thought I was on both coasts at the same time. 

I've spoken to the highest person I can at XXXX, and they tell me specifically you need to do a charge back with your bank. Our multi-billion dollar system apparently is not capable of even manually refunding a returned item. This is obviously fraud I have told them that, they don't care they don't listen I've done everything I can Ally knows I'm not getting my refund, ally knows I returned the item, Ally has seen all the documentation and proof that I returned it and has been given all the information to contact XXXX and specifically tell reps to use the tracking number ( because I have to tell them how to do their jobs It was for XXXX headphones for {$160.00} bought on my XXXX account XXXX, my Ally is locked l linked to my XXXX. I can provide any other paperwork you need
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SYNERGY ONE LENDING, INC. (ID)

I have been working with XXXX XXXX from XXXX XXXX XXXX on a reverse mortgage and his contact in is XXXX XXXX since XX/XX/2020. I completed the credit course in XXXX and had an appraisel on the house XX/XX/2020. The appraiser is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. He submitted the appraisal XX/XX/2020 and have been asked a number of times to submit some additional comparison home which he has refused to do. Mr XXXX and myself have given him some houses but he did not use them. AS of now I have not gotten my reverse mortgage and time is running out.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (AZ)

On XX/XX/2021 I initiated an order via Affirm with the merchant XXXX. The payment was processed and was received on XX/XX/2021. 

On XX/XX/2021 I initiated a return with the merchant and made a return with the prepaid label the merchant provided ( attached below ) on XX/XX/2021. After speaking with the merchant over the next few days, I was informed on XX/XX/2021 by the merchant that the carrier confirmed they lost my return package that was insured by the merchant. The merchant subsequently decided to deny my refund request for unknown reason, as I have no control over the carrier losing the return. 

I spoke with Affirm over the span of the next few weeks regarding the carelessness of the merchant and how they were basically stealing my money as I provided proof that I no longer had the order in my possession as I returned it, effectively forcing me to pay for a product/service that was not as described, as in this case the phone was damaged which is why I initiated the return. 

Below you will find Affirms practices as a payment facilitator for their partner bank, XXXX XXXX Bank, did not meet the standards expected of a financial institution. Affirmed refused to initiate an investigation on their end, even though the merchant committed fraud by not returning my money for a product I returned. I would like Affirm investigated and XXXX services like these are becoming a huge problem. 

At this point, affirm is still forcing me to pay for this installment loan, even though I returned the products after not receiving the product I had ordered.
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-09
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. (TN)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NC)

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments under the XXXX XXXX XXXX. The account is listed below : XXXX XXXX XXXX XXXX : {$5800.00}
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I received a ppp loan on XX/XX/XXXX of this year for my business working with the XXXX  XXXX. I had bank with chime for many years and had no problems with them. But on the morning of XX/XX/XXXX of this year I got a email saying my account was being suspended. I called and they said they need my ID, LLC or something with the business name, a bill in my name and why these funds was given to me and if these funds was from my employer a note from them. I sent them something with the company name, a bill and my ID with a explanation why I got the funds and two days later my account was closed. I spoke for months with different rude people from chime and XXXX 's and was given no help until around XXXX after a investigation was done by XXXX 's in XXXX and they gave me a ticket number two different representatives told me a check of XXXX would be mailed out. They told me that after 30 days of the account being closed it should've been sent out and call back on the XXXX of XXXX if it hasn't. When it hadn't been I called back and they wouldn't direct my calls back to that department and told me that no one ever told me a check would be mailed out. I continued to call and last month someone told me that they need the things they originally asked for and if done they'd mail a check for my funds of XXXX and I should receive it in a couple of days. I asked the representatives again if I sent him my LLC, a explanation of why I received the funds and my ID with a bill a check would be sent and he said yes. So yesterday XX/XX/XXXX I sent them my LLC, a piece of mail with my business name and my ID, ss, a bill and some documents from the lender. This has been a horrible experience. I'm at risk of losing everything. My home, struggling with my bills and my business. It's caused so much stress and it seems like chime doesn't care what this has done to my life, my family and many others that this has happened to. I'm hoping with all the information sent to chime support will be enough to resolve this matter. I even spoke with XXXX XXXX with no help also. Both XXXX and XXXX 's blamed chime.