davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I logged into my account to check my balance to make sure all of my money was there because I had discovered my debit card was missing. When I logged in I found out that somebody had not only stolen my debit card but used it for multiple atm transactions. I had my card on the XXXXXXXX XXXX XXXX  and someone must have stole it that day or the XXXX. The atm transactions started the XXXX XXXX XXXXXXXX all the way until the XXXXXXXX XXXX XXXXXXXX I immediately called and canceled my card and disputed the transactions as soon as I noticed. On the XXXX XXXX XXXXXX/XX/XXXX withdrawals for XXXX dollars and XXXX for XXXX were made. On the XXXXXXXX XXXX XXXXXXXX my account shows that XXXX withdrawals for XXXX, XXXX withdrawals for XXXX, and XXXX withdrawals of XXXX. On the XXXXXXXX XXXX XXXXXXXX it shows a withdrawal of XXXX was made.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} XXXX XXXX  XXXX Balance {$0.00}.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-06
Product: Credit 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: CITIBANK, N.A. (OR)

This issue was in response to a charge dispute opened on XX/XX/23 with XXXX {$140.00}. I was initially charged twice for the transaction. I provided the required evidence to Citi but I was told the information was insufficient to resolve the case in my favor. So the dispute was closed in favor of XXXX on XX/XX/23. However, citi bank did not reach out to me to ask for additional information to support my case before making a decision. 

I reached out to re-open my dispute and I was told to send an email to XXXX with my case XXXX and with additional paperwork. I did that on XX/XX/23. I did NOT receive a response so I reached out to Citi multiple times to which I get the same response i.e " WAIT 5-7 BUSINESS DAYS AND SOMEONE WILL BE IN TOUCH ''. Today is XX/XX/23 and again I was told to wait 5-7 Business days.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

XXXX cancelled a purchase due to the available quantity changing before finalizing purchase. 
Affirm  says that they funded the purchase. Affirm, XXXX, and I had a conference call where Affirm asked XXXX for proof that the sale was cancelled at the point of sale. 
XXXX provided the proof requested, and required, by Affirm. 
Affirm continues to demand that I pay them for the money they say that they sent to XXXX. 
Affirm is requiring me to get a refund from XXXX, but since the purchase only exists within the Affirm system, I have no merchandise to return or refund. 
Affirm provided me with XXXX links to the single XXXX purchase which when clicked, lead to error messages in the XXXX system. 
Affirm refuses to accept the proof of the purchase cancellation at the point of sale that Affirm requested from XXXX, directly. 
I have no options. 
Affirm refuses to cancel the loan.

Affirm constantly calls me and disconnects the calls, immediately.

Affirm is sending me emails threatening my credit score. 
I gave them the proof that they had XXXX send me. Affirm told XXXX what to email me. Affirm is now, harassing me. 
I do not need a refund, as I am not paying Affirm for their mistake. 
I made no purchase and have no merchandise to return to XXXX for a refund. 
Affirm is attempting to bully me with harassment, and threats. 
These are the XXXX links that Affirm keeps sending me in their scripted customer service chat : https : XXXX https : XXXX Please try either of these links provided by Affirm? They lead to error messages because XXXX has no record of a completed purchase. 
Affirm has XXXX links to a single purchase that was cancelled at the point of sale that do not correspond to anything within the XXXX system. 
I attached screenshots of the proof requested of XXXX by Affirm in our conference call on XX/XX/2023. 
I attached screenshots of the email from Affirm acknowledging the receipt of the forwarded email from XXXX XX/XX/2023. 
Affirm told XXXX what to send me as proof of the sale being cancelled. 
Affirm acknowledged the receipt of the proof. 
Affirm has links XXXX links to the single purchase that never happened and they do not correspond to anything within XXXXXXXX XXXX system. 
Affirm has an order number that also does not exist within XXXXXXXX XXXX system. 
I attached a screenshot of what you will see when clicking on Affirm 's provided links to XXXXXXXX XXXX website regarding the " purchase ''.

Affirm won't even click on their own links. They just keep sending them. They won't even click on their own " proof '' when harassing me.

Affirm operates on a script.

I have no options.

I am not paying Affirm for this false loan. 
I make on time payments for my other XXXX purchases thru Affirm, and have already paid off another loan. 
I'm not giving Affirm money for nothing. 
They're bullying me, harassing me, and their own " proof '' doesn't exist within XXXXXXXX XXXX  system. 
The loan is false. There was no purchase.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an 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 purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
XXXX XXXX violated these rights by reporting the account to be late and closing the account without my knowledge. XXXX XXXX is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them one of their own settlement terms. See Attached email Copy.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been a victim of identity theft. I have processed the correct paperwork according to the FCRA and the credit agencies are not attaching the paperwork to the disputes and removing the accounts per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-31
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. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CT)

My WELLS FARGO ACTIVE CASH VISA CARD ... XXXX Has a scheduled automatic payment. 

The amount is described : " $ XXXX $ XXXX '' The disclaimer states : " *An amount within this range will be sent as your automatic payment. Any additional payments applied on or before your due date will reduce the automatic payment amount. '' This payment description is vague, ambiguous, unclear, incorrect, and does not guarantee that the last statement balance will be paid. 

By contrast, my other credit card, shows a DIFFERENT description for the automatic payment. 

WELLS FARGO AUTOGRAPH VISA CARD ... XXXX The amount is described : " Last statement balance* '' The disclaimer states : " *You have selected the Last Statement Balance option. The automatic payment amount will be shown on your next statement. This amount will be reduced by all payments posted before your automatic payment is processed on your due date. If these payments meet or exceed the automatic payment amount, no automatic payment will be sent. '' Wells Fargo claims that both of these accounts are set to automatically pay the " last statement balance. '' Nonetheless, the payment amount displayed to me for card XXXX shows a range of {$0.00} {$35.00} and does not state " last statement balance ''. This range of payment does not provide confidence or guarantee that it will in fact pay the full statement balance. 

Wells Fargo could not fix this problem. Wells Fargo stated their internal systems show the {$0.00} {$35.00} payment range is displayed as " last statement balance '' in their system. 

The Wells Fargo online portal for credit card automat payments is misleading, inconsistent, and deceptive regarding my card ending XXXX. 

My case ID for this interaction is XXXX. 

I was promised a case manager would respond within 10 business days.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (TX)

I had a collection flagged by XXXX XXXX XXXX from a hospital bill that would be on record until XX/XX/XXXX. I disputed the collection with the collection agency directly due to that medical bill being paid by my insurance and me having no recollection of it outside of that. The collection was then removed and gone from all 3 of the credit bureaus by XX/XX/XXXX. The collection has reappeared by Central Portfolio Control as of XX/XX/XXXX, without me being aware, and is now on record until XX/XX/XXXX. I checked back on my Account with XXXX XXXX XXXX and had came across a settlement offer for the same collection that is being reported by Central Portfolio Control and when I try to look up my account with them I can not find it. I don't understand how this collection is being flagged by one account and reaged while being offered a settlement by XXXX XXXX after I had disputed the collection. This sequence of events feels uncommunicative, indirect, and aggressive.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

I appreciate your prompt response to my Consumer Financial Protection Bureau inquiry # XXXX concerning accounts # XXXX, XXXX, and XXXX. 

Please be advised, as per the new law passed by the Consumer Financial Protection Bureau ( CFPB ), medical debt is no longer reportable on consumer credit reports. As such, the accounts in question connected with medical debts should not have been reported on my credit report to start with. 

I am currently gathering more clarification and evidence regarding your agency 's violations of this law and will be taking necessary legal action accordingly. I will be seeking damages for the undue strain and impact this has potentially caused on my financial and personal well-being. 

Furthermore, the request for additional identification documents seems redundant given that I have already submitted an affidavit asserting that I am a victim of identity theft. Please treat this with the seriousness it deserves. 

I am hopeful that this issue will be resolved amicably and without any further legal proceedings. I am available for further dialogue and am contactable on the phone number saved under my account. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The following credit card accounts should not be reflecting on my current credit report due to natural disaster XXXX in XXXX. During the Pandemic it was a difficult time and I struggled with illness, a death in the family due to XXXX, and financial hardship making it difficult to maintain my bills resulting in multiple late payments As you will see I have been in good standing with all of my credit until XXXX hit. Take note of the following credit card accounts reflecting late payments during the Pandemic : 1. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 2. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 3. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance $ XXXX OPEN 4. XXXX XXXX  XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XX/XX/XXXX 5. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 6. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 7. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX Balance {$0.00} - OPEN 8. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 9. XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 10. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX - Closed XX/XX/XXXX 11. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XXXX XXXX 12. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance XXXX - Closed XXXX XXXX 13. XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX Closed XXXX. XXXX 14. XXXX XXXX OPENED DATE : XXXX. XXXX, XXXX Account # XXXX Balance XXXX - Closed XXXX XXXX
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached release form and remove the account XXXX XXXX XXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX I received my inheritance money and used it to pay off all of my credit card debts in full. I did not accept any debt forgiveness or discounted payoffs for these accounts. I paid the full amounts including interest completely off. Where is the incentive to be a responsible adult and pay my debts off in full if my credit reports are still showing late payments for accounts that have been paid in full and closed for several months now? The accounts mentioned are as follows : XXXX XXXX XXXX  : {$2400.00} XXXX XXXX  : {$1500.00} XXXX XXXX XXXX  : {$1400.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX XXXX  : {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX : {$480.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) Please update these comments to either paid as agreed closed or paid closed never late. Since I did pay all of the past due amounts in full, my responsible actions should be rewarded and reflected on my credit report giving me the second chance I worked so very hard for.