davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CT)

On XX/XX/XXXX I place an order with XXXX XXXX through affirm ok so affirm approved me for the amount I put a down payment of {$230.00} I taught everything was ok so I waited couple hours to se if process by the merchant but on affirm website says approved but items still processing by the merchant ok so the next day XX/XX/XXXX I check still same thing so I called XXXX XXXX to make sure if they received my order they check by my name and order nothing pop up on their end I said thats weird because on affirm side it says waiting for merchant to process ok I called affirm back to let them know that XXXX XXXX didnt receive the order so they tell they have to investigate it should take 5-7 days ok so waited the following week I check still say the same thing waiting for merchant to process so I call affirm again talk to supervisor now the telling they to expedite the investigation they let me know 5-7 business day ok that goes by called still no progress at this point Im getting frustrated they have my down deposit by then they should be done with the investigation and void the loan I told obviously they didnt receive the order it never processed and they never ask affirm for payment again they telling the same thing to wait and they going to contact XXXX  XXXX ok so today is XX/XX/XXXX I called again to check on the progress the supervisor telling again the same thing no progress they holding my money idk it doesnt take long to called XXXX XXXX and verified now I have a loan with no merchandise they refuse to void and refunded me all they have to do is called XXXX XXXX to check and they let them know they didnt have order under my name
Consumer complaint received 2023-07-24
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: Colony Brands, Inc. (AZ)

XXXX XXXX XXXXXXXX This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment -- Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX bankruptcy Amount Past Due No Info High Balance {$93.00} Terms -- Account Type Charge account XXXX XXXX XXXXXXXX This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX bankruptcy Amount Past Due No Info High Balance {$100.00} Terms -- Account Type Charge account This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment -- Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX  bankruptcy Amount Past Due No Info High Balance {$98.00} Terms -- Account Type Charge account
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc. (NH)

On XX/XX/2018 I purchased a XXXX vacuum and financed through XXXX XXXX XXXX XXXX XXXX -parent company Scott Fetzer Financial Group Our agreement was that my first payment would be XX/XX/2018 with a 10 calendar days late payment Im made my first payment on XX/XX/2018 using my 10 day grace period On XX/XX/2018 I hard a hard inquire on my credit report because we are correctly financing with a bank and it came back that I had a LATE PAYMENT on XX/XX/2018 the day I signed Parker work for the vacuum, when I called the company ( XXXX ) they said that this was false and that they they did not run my credit-the report said otherwise-and that my account was in good standing with them
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Today, I tried to log into BOA online to check my account. It would not let me in. When I tried to get username and password help, BOA sent emails to accounts belonging to other people. When I called BOA, they said they were aware of the " glitch '' and not sure why it was not yet fixed. Why is BOA allowed to have a " glitch '' that sends my information to someone other than me without my knowledge or consent?
Consumer complaint received 2023-07-24
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: BARCLAYS BANK DELAWARE (NC)

On XXXX? XX/XX/XXXX I made a charge of {$7900.00} on my XXXX XXXX card. 
This card is handled by Barclays Bank Delaware. The charge was made to XXXX XXXX. I understand that the company has been convicted of fraud. XXXX XXXX and XXXX along with me have made calls to challenge the charge. Barclays says they can not go back that far to indentify the charge. Frankly they kept transfering us to many different people. No one helped. My mailing address change from XXXX XXXX XXXX  XXXX XXXX, NC XXXX to XXXX XXXX XXXX XXXX, NC XXXX in XXXX because we moved.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I filed a dispute with Chime on XX/XX/2023 regarding an unauthorized transaction. Chime responded on the same day, stating that no error occurred. The institution completed their investigation and did not take a full 24 hours to address my concerns and accommodate me regarding this unauthorized transaction.
Consumer complaint received 2019-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Retail Services a Division of Wells Fargo Bank N.A with an address of XXXX XXXX XXXX XXXX NC XXXX is trying to report me as being late to the credit bureaus when in fact they entered into an agreement with XXXX XXXX XXXX out of California on my behalf. I hired XXXX to help me with my debt because of a loss of employment and health reasons. I was unable to make my payment, but entered into an agreement with CCC to negotiate with all my creditors. Wells Fargo was one of them. I was late with my payments and in XXXX I signed off on an agreement with CCC and they contacted Wells Fargo Retail Services on my behalf. Wells Fargo accepted an agreed amount of XXXX per month to receive as a payment. All past due amounts, fees and high interest rates were supposed to stop and cease at the very moment they accepted payment. But yet Wells Fargo is trying to report me as being past due to all the credit bureaus and that is not the case. They are saying i am past due XXXX and that is not the case. This is simply a case where this company agreed to a specific amount and are now trying to get more outside the scope of the XXXX agreement. This is nothing more than a Fraudulent attempt to reneg on their agreement with CCC. They are willfully trying to extort more money from me and trying to harm my credit because I am refusing to pay anymore than the amount that was agreed upon. My account is supposed to be reported to the credit bureaus as paid on time based on the terms and conditions of the XXXX agreement. I now may have to remove them completely from the XXXX program, default on the loan and leave them with nothing since they want to be greedy about this. Why continue to pay them an agreed upon amount each month for them to report as late or past due. This company has been found guilty of fraud int he past, they have agreed to pay multi-millions in fines because they opened up fraudulent accounts and now they want to pull this on me? Unacceptable.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft and explained to TransUnion that I did not authorize any inquiries on my credit. The representative for TransUnion was very unhelpful and I was transferred to the supervisor. They still did not take care of the negative inquiries reported on my credit report. I need these accounts deleted off my credit file. It is hindering my livelihood and I was not the one to authorize them. XXXX  and XXXX  deleted it with no problems, but TransUnion is the only company not cooperating. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2019-05-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/2019, I sent a PRINCIPAL ONLY payment to my lender of {$500.00}. ( The payment literally said PRINCIPAL PAYMENT. ) They only applied {$410.00} towards my principal. 

On XX/XX/XXXX, they issued a check for an over payment of escrow of {$330.00}. 

On XX/XX/XXXX, they applied {$19.00} to my principal. 

Why was my entire {$500.00} NOT applied to my principal as directed? This company did NOT have my authorization to do anything else with these funds.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

I have purchased Equifax Complete Premier Plan, and I have been unable to access my daily credit reports with receiving the same error code for months. The code is XXXX XXXX   : XXXX XXXX : XXXX. XXXX XXXX : XXXX I have called maybe 20 times to try to resolve the issues mainly being hung up on by the Equifax representative. No one is able to access my credit report, and it is affecting me, adversary, as I am trying to move. 

I spoke with the last rep at XXXX told me that my file was mismatched. He then transferred me to XXXX, which in turn transferred me back to a department that was closed. 

I am paying for a membership fee unable to have access to the product.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

XX/XX/2023. I miss placed my card after paying for some thing at a restaurant I realized I left my card so I went back in and they handed me my card after going back to the restaurant which was XXXX XXXX and XXXX Michigan few days later XX/XX/XXXX my card was stolen. I filed a police report gave my financial institution which is PNC bank a copy of everything that they possibly needed. I did everything on my end. I disputed the charges they gave me a new card but they keep denying the claim it has been multiple charges it has been charges made in areas that I dont live in I live in XXXX XXXX it was a charge made in XXXX for {$700.00}. I dispute the transaction quickly. They have denied my claim at least three times. My account is overdrawn. I am one month late behind on paying my mortgage. Ive had multiple people to try and help me and XXXX me money in my account for me to be able to pay a bill they took the money because my account is completely overdrawn because they reversed, the claims with the charges I did not make it was another charge for XXXX for a hotel. I did not stay at. I filled out the paperwork and sent everything to them as well as the police report. They denied every single claim and now at this point, they are threatening to close my account due to it being overdrawn, I dont want to go into foreclosure I just want my money put back in my account I did not make the charges. Ive stressed this to them. Multiple times I spoke with bank managers I spoken with everyone I possibly can. Everyone keeps telling me it can take up to 90 days, I dont know what else to do if my purse phone everything was stolen I dont even have my car. My car has been broken and unable to get fixed due to lack of funds. I did not make that trip to XXXX all the credits that they issued me they reversed, which put my account in the negative. For XX/XX/XXXX it was a charge made in XXXX Ohio. For XXXX I dont live in XXXX Ohio . My bank at this point is allowing whoever stole my card to get away with it at this point I just want my money back and I just rather close the account and go to another bank but I just need my money back immediately. I do not want to go through a foreclosure. Its almost the first of the month which means I will be two months behind on my mortgage. The bank said to me the reason why they denied the claim is because I used my card that day. It dont make sense. Its my debit card. Of course I used my card that day up until it was stolen so it just dont make sense the reason for them denying me my money I received a XXXX I received money. I went to the ATM and withdrew {$200.00} I had a friend to XXXX me some cash and because of that they denied the claim it doesnt make sense and I feel like my own bank is scamming me by not refunding me my money after it was stolen and a police report has been filed and now theyre trying to close my account after they denied my claims.
Consumer complaint received 2019-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Riverwalk Financial Corporation (CA)

I attended XXXX of XXXX through XX/XX/XXXX- the closure in XX/XX/XXXX. I was half way through a 3-year program. Now, I signed a contract to pay my loans had a received an education from there, well as you know the school was shutdown. Since they didn't keep their end of the deal I am not responsible for repayment, in fact I believe I deserve a reimbursement. The Federal loan was " forgiven '', rightly so, but XXXX XXXX XXXX wont leave me alone, claiming I owe them {$4800.00} in private loans. I'm not asking for a reimbursement, although it's owed to me considered time lost, all I want is to improve my credit score and to get rid of this loan which I don't think I owe, and to stop the harassment. 

Thank you.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I have bill pay set up and utilize it often. I was shocked to see Wells Fargo bypass my instructions et pay payee earlier than I scheduled for payment to be sent. They were rude oppositional and hostile when I approached them. Each customer support person was dismissive especially XXXXXXXX XXXX XXXX They continued to gaslight the situation and were defensive et rude. They make too many errors et this unfair especially since they are unauthorized. They also changed my pin without informing me. I have yet to receive a pin as well. What is with this banks service. It seems like they promote a culture of disrespect et being disingenuous. This XXXX must stop. This unauthorized meddling in my account must stop. One other thing I was promised for all these errors they would send me a bouquet of flowers ou some plants with planter
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I reported fraud to my account with unauthorized wires and transfers and USAA claims that I told someone a number to authorize such transactions when I did not. It makes no sense that I would wire money to a random stranger 's account to overdraft my own account. Now USAA has demanded that I pay for the money fraudulently wired to the criminals.
Consumer complaint received 2019-01-08
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. (LA)

On XX/XX/XXXX, letters were mailed to Experian in order to get incorrect personal information removed from my credit report. 
In providing PROOF of identity, I provided my original birth certificate, social security card, police report for stolen wallet with all personal information inside, a utility bill for current address, as well as statement. 
I informed that my name is XXXX XXXX XXXX and has always been, XXXX XXXX XXXX. 
However, my report shows 16 different variations of my name, along with adding another last name, there are multiple misspellings.

There are also 20 addresses listed.

There is no way possible that I could have lived at 20 different locations In 7 years, with some being in different cities. 
There are even social security variations, as seen, using my daughter 's social security number, of which was stolen with wallet. 


It is my right as a US citizen to have this INACCURATE information removed from my report immediately, especially after providing the requested proof as stated on the company 's website. 

I have also provided proof, where this company has sent me two separate reports with two different spellings of my name. 
It has become apparent that this company IS NOT completing proper investigations. 

My letter was mailed from Louisiana XX/XX/XXXX, And a letter was sent in response to me,XX/XX/XXXX. 
How can one complete a proper investigation in such little time?
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2023-07-24
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2023-07-24
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. (CA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2019-05-20
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. (OH)

XXXX  shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/XXXX the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MS)

I made a purchase on XX/XX/2023 a product " I thought was made in America '', an American made product, and after I investigated the matter further, I discovered the product was made and being shipped from " XXXX XXXX '' ( Doesn't say that on the website when ordering ( deception advertisement ). So I immediately cancelled the order by email, but the merchant has chosen not to cancel the order even though it was " cancelled within " 24 '' hours '' of it being ordered ( see screenshot of merchant email ). I have a right under American Consumer laws to cancel a order if it is canceled within 24 hours before shipping. I Have sent several emails to that affect to no avail. They have sent a tracking number saying the order has been shipped even though I requested the order be cancelled over 12 days ago. ( see screenshots ). I filed a dispute with XXXX credit ( case # XXXX XXXX XXXX 12 days ago asking the order to be cancelled and refund my money to my paypal credit account to no avail, they sent me a tracking number this morning, but I still do not want the order. I cancelled the order over 12 days ago. Paypal credit refuses to close the case and refund my money which is my right as an American Consumer, according to the FTC, CFPB and FRCA.