davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (KY)

XXXX {$130.00} XXXX {$380.00} XXXX {$120.00} Filed claim-11/3/22 with XXXX Filed claim with bank XXXX  XX/XX/XXXX and requested new debit card Filed claim with Affirm XX/XX/XXXX and provided documents from XXXX and XXXX to Affirm. 
I was in Affirm word close both loans and that I would not be responsible for loans. I was told I may continue to receive alerts but was told to ignore them. 
I checked my credit score in. XX/XX/XXXX and Affirm reported these loans to Credit bureau as delinquent.
Consumer complaint received 2023-04-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. Please update this account ASAP.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stenger & Stenger, P.C (GA)

Im trying to close on my home. A title searched showed a lien on my property that I have no idea who these people are. 

It is recorded in XXXX XXXX XXXX XXXX in XXXX GA per Case Number XXXX on XX/XX/XXXX. 

The judgement was in favor of XXXX XXXX at XXXX. 

I called and they transferred me to Stegner and Stenger Law office located at XXXX XXXX XXXX XXXX XXXX MI XXXX at XXXX. 

I spoke to XXXX XXXX on XX/XX/XXXX. She was very rude and confrontational. After explaining I was not this person. She insisted that I must provide the last four digits of my social security number otherwise she couldnt give me any information. 

Under coersion I provided the last four digits of my social security number and the only information she provided was an email address. 

She did not need any part of my social security number to provide an email address. 

To tell me I need to send an email to have it removed is crazy. They should have removed it automatically since its the wrong person
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Southwest Recovery Services, Inc. (TN)

o whom it may concern I have sent a letter to XXXX, XXXX and XXXX regarding this collection agency Southwestern Recovery services who has placed an amount of XXXX on my credit report. I have emailed this company that I did not signed a lease at XXXX XXXX XXXX  which, I have provided a copy of. As you can see on the signature page of page 9 of the document I have sent, both the signature is the same show to be not my hand writing, which I have provided a copy of my signature on my id. On XX/XX/2015 I was at work Im not sure if the owner who is XXXX signed or XXXX XXXX XXXX signed the papers with my signature. Also, as you can see on the lease XXXX XXXX provided to me. XXXX XXXX does not own the property it is XXXXXXXX XXXX XXXX XXXXXXXX so. I not quite sure where they come in saying he even owes a balance to them. There no contract on file between XXXX XXXX XXXX XXXX, or Me XXXX XXXX. I need them to produce a contract with my signature to say this balance is even mine which I have ask them to do and they have not done. It hard trying to keep my credit straight. I dont need amounts that I dont owe, and I am not responsible for to be added and bring my credit score down. I want this matter investigated and Southwestern delete off my report they did not even put it on XXXX XXXX XXXX report just mine to XXXX me off. He even told them to send him a copy of the breakdown or what is owed for and the contract he signed with classic property of how he owes the XXXX and he will send a payment, from what my brother told me they never sent anything to him. Also, Im trying to get my work schedule with XXXXXXXX XXXX XXXX XXXX  to show I was at work you do have my permission to call the hr dept of XXXX XXXX as part of you investigation there number is XXXX corporate office. Like I stated I want this collection agency delete off. Thank you XXXX XXXX This caused me to file a bankruptcy and balance is not owed
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 2023-03-14
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: EQUIFAX, INC. (UT)

Received a notification of completion of dispute investigation from equifax. Dispute results do not state an actual result. The result states : >>> We have reviewed the current address. The results are : - >>> We have reviewed the identification information. The results are :-
Consumer complaint received 2023-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (IL)

In XXXX or XXXX I applied for a unsecured loan from GUARANTEED RATE INC . I received final confirmation of loan approval on XX/XX/XXXX. I purchased a home on XX/XX/XXXX. I was induced into signing a mortgage document they said would secure their loan. My loan was unsecured, not to mention that FHA insured the loan in case of default. Around XXXX of XXXX I read a publication from the Federal Reserve called Modern Money Mechanics. In it, it details how banks create money. It also states that banks do not make loans. It accepts promissory notes in exchange for bank credits. They breached the contract by failing to provide lawful consideration. I reached out to them by mail XX/XX/XXXX. I asked them to submit evidence that the contract was valid. They neglected to so. I informed them I would suspend payments until they did so. They then sold the Mortgage to XXXXXXXX XXXX who initiated Foreclosure proceedings. GUARANTEED RATE was compensated by FHA when the account went into default. It deposited {$140000.00} into a borrowers account as an asset ( basically to fund the check to the seller ) and matching liability to XXXX XXXX. GUARANTEED RATE did not sign the agreement which makes it unenforceable by law. I asked for the {$140.00}, XXXX that they were liable to me for. They never responded.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC (NY)

Morgan stanley Etrade financial sent a letter after I made a complaint and closed my account. The stated reason was because of a XXXX balance. My balance is currently XXXX cents. If Etrade closed my account they should have sent me a check of any funds in the account. Etrade is refusing to give me my funds. Customer service representative asking me if I was willing to let the money go. I cant believe I was asked this. I asked for a supervisor and told person I was recording him. Representative got angry and put me on long holds to avoid being recorded. Supervisor never responded. These are all bad practices that should not be ignored. I am not sure how a bank can decide when to close an account. If a bank closes an account just send any funds to the account holder and be done with it. I asked why my account was being closed and representative would not provide information. Please forward this to both Morgan Stanley and Etrade.
Consumer complaint received 2023-09-01
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023 I was notified by CapitalOne that my account had insufficient funds for a debit card transaction. I had never used the debit card for this account, so I was suspicious and logged in to the account to check the status. It appeared that someone had managed to drain nearly {$1000.00} from the account through fraudulent transactions. I believe this to be the result of CapitalOne 's negligence for 2 reasons : 1 ) The debit card associated with this account was in my possession, never used and never taken outside the house. The only way the card information could have been stolen is a security breach on their end. 2 ) I have never used this card, and then suddenly multiple large transactions are placed on the opposite side of the country from where I live. These charged never should have been approved. 

I shared this information with CapitalOne immediately and they opened an investigation. While the investigation was ongoing they credited a provisional credit for part of the dispute amount ( {$320.00} of {$920.00} ). On XX/XX/2023 I received an email from CapitalOne stating that they have closed the investigation, apparently in my favor, as they state : " Good news! We finished investigating your dispute ( s ). Any temporary credits we deposited in your account are now permanent, and your dispute has been resolved. '' However, they still have not returned the additional {$600.00} that I had deposited with them.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 2023-08-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constantino Law Office, P.C. (UT)

XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from constantino and his XXXX. 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX  and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I sent in final payment for my mortgage on XX/XX/XXXX. 

Your payment in the amount of {$15000.00} was received and applied to your loan on XX/XX/2022 for the following property : Loan # : XXXX XXXX XXXX XXXX XXXX It was misapplied, so they had to correct it. Even though I paid in full, they then said I owe {$180.00} to close it out, though it should have been only {$.00} per day that it was late. So I sent in payment for {$190.00} to just close it out and they returned my check because it wasn't certified or wired in. 

A few days later I received a letter that I owe for Insurance lapse from XX/XX/XXXX XX/XX/2022 in the amount of {$2800.00} for the two months lapse. My insurance for an entire year is around {$2700.00}. So now I owe this and despite basically not having a mortage at all or less than {$200.00} based on their error, I now over XXXX XXXXXXXX. I dispute this and try to resolve it and get hit with a late charge and another {$30.00} recording fee and they say I owe {$3100.00}, which I am sending out today as this has cause me a lot of grief and lost sleep over all these charges on a loan that should have been paid off on XX/XX/XXXX and I just don't see how I pay for insurance on a period that has already passed. 

I saw this article in your news room : https : 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 I believe that I have been a victim of over inflated 3rd party charges and hoping you can resolve this. It seems unfair to get hit with this charge after my loan should have been paid off and for a period that passed and at such an inflated rate.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

I have two mortgage accounts with this company and previously submitted a complaint on one account and am having the same issue with this second account. I purchased this property XX/XX/XXXX, and the mortgage was sold to Select Portfolio Servicing, Inc ( SPS ) in XX/XX/XXXX. In XX/XX/XXXX a structural engineer determined that the building located on the property ( there are XXXX lots for the building which is why XXXX mortgage accounts were required ) was structurally unsafe and required demolition. Following relocation of the building tenants in XX/XX/XXXX, the building was demolished in XX/XX/XXXX and the lot has remained empty with no structures. I notified SPS in XX/XX/XXXX that I was not renewing the hazard insurance or flood insurance policy on the property due to the fact that there is no longer any building or other structure on the empty lot. I electronically sent documentation XX/XX/XXXX with the Certification of Completion of demolition by the city for further proof that there is no longer any building. I continued to receive notice that SPS would purchase hazard insurance so I called the company again in early XXXX, and I was told that they had received my information and would make a note that there is no longer a building on the lot. In late XX/XX/XXXX I again received a notice of intent to purchase insurance, so I sent a certified letter that again included documentation proving there is no building on the lot. Today I received a letter dated XX/XX/XXXX stating that hazard insurance has been purchased and my escrow account will be charged the amount of the insurance. I feel the company is committing fraud by purchasing a hazard insurance policy on a building that does not exist and requiring me to cover the cost of that purchase. Given the multiple times that I have communicated to them that there is no building on the lot, they can not claim that this is a simple error or that they were not aware of the lack of a structure.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

While on XXXX XXXX for 124 days with the XXXX XXXX XXXX, ( XX/XX/2022 through XX/XX/2022 ) I applied for and was approved the American Express Platinum card. Under the Military Lending Act the annual fee of {$690.00} should have been waived. American Express charged the fee at the time of credit acquisition and has refused to removed it. American Express continually relies on a claim that they made a check of the MLA database at the time of credit acquisition and that I was ineligible for MLA relief. However, American Express refuses to provide the individual search report which is generated by the MLA search database if such a check was conducted. Additionally, I have my military orders clearly showing that at the time this account was opened, I was on Active Duty for greater than 30 days. All of my other credit accounts have provided me relief under the MLA except for American Express. American Express now states they will not longer respond to my MLA complaint. If American Express refuses to respond to this complaint and continues to refuse to correct their violative act, my next step will be to file a small claims action against American Express in my local jurisdiction ; serve the Defendant 's registered agent in North Carolina ; and obtain any such MLA database search report, should one even exist, through the Discovery process. One way or another, this will cost American Express more than the annual fee they have illegally charged me. I urge American Express to resolve this matter now by crediting my account the {$690.00} fee and avoid future costly litigation.
Consumer complaint received 2023-03-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-04-24
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. (MI)

My name is 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-14
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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. (AR)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.
Consumer complaint received 2023-04-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian has listed a personal home improvement loan as a mortgage on my credit report. I have never disputed the loan, but Experian 's incorrect listing has resulted in another lender denying me a mortgage loan. Experian refuses to list the loan ( from XXXX ) as a personal home improvement loan, even though I provided Experian with data showing the listed mortgage liens filed on my real property which show no listing from XXXX. I have sent Experian a statement ( less than XXXX words ) to add to my report, but they have refused to do so.