davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (NC)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it may concern, Please be advised this is my SECOND WRITTEN REQUEST : The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, Delete all non-account holding inquiries over XXXX  days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

I notice unauthorized accounts on my credit reports in XX/XX/year>, indicating misuse of my social security number for personal gain. The Accounts are : XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) XXXX. Affirm- Account number ( XXXX ) I disputed these accounts with both XXXX and Affirm ( the data furnisher ) to no avail. To cover all bases, I sent a letter of validation to Affirm certified mail asking them to validate the accounts in question with no response. Because I knew that XXXX would come back with XXXX stating that the Accounts was verified. And I know that they weren't. I requested that Experian block this information in my credit report due to identity theft and they refused. According to FCRA Section 605b, it is ILLEGAL to report information on my credit report without my permission. So PLEASE remove these accounts! The FCRA, under 15 U.S.C. 1681, mandates that consumer reporting agencies ( CRAs ) implement reasonable procedures to meet the commercial needs for consumer credit information in a manner that is fair and equitable to the consumer, with respect to confidentiality, accuracy, and relevance. They are also in violation of FCRA 15 U.S.C. 1681b permissible purpose. I never gave neither XXXX nor Affirm written instructions to furnish any information on my consumer report. So please do your due diligence. I have attached my ID, a bill for proof of Residence over XXXX  years, and FTC report.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (AZ)

Hunter Warfield - XXXX XXXX I reached out and asked for signed documentation and proof of this debt and it was never provided. 

Im unaware of this debt. I did not have an opportunity to dispute this debt. I did not receive proper notification. If in fact, you believe you gave me proper notification then please provide the certified mail with a receipt with my signature on there. Stating that I received it. I need this removed.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

XX/XX/XXXX requested validation of a debt that showed up on my credit report with a Collection agency Calvary SPV. I have never received validation of the debt. On XXXX XXXX the court entered Judgement in favor of plaintiff against me for XXXX although I never received validation of the debt. The attorney for Calvary did a bank levy for the debt and took the money out of my account without notification. I filed a dispute with the courts and received my money back because they garnished my XXXX money which is not allowed by law. When asking the Attorney in the break out room when told by the Judge to talk and negotiate the situation, I told the attorney representing Calvary I don't know who this debt collector is, I don't owe them any money and where did they sent the original debt to and the address he gave was not my address. There is an Attorney that is representing Calvary SPV at present time that is continuing to collect on a debt that has not been validated And now again on XX/XX/XXXX I received another notice for wage execution. This has got to stop. I feel like I am being harassed at this point. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

I purchased the lease buy out on XX/XX/XXXX. They say that they have shipped the title but it never arrived. They have the right address but it got returned. They have no tracking details on it. They then said that it was resent on XX/XX/XXXX which hasn't arrived yet with no tracking. Now they are saying they can't do anything. They refuse to provide lien release letter so that we can duplicate and we have already paid sales tax at the time of leasing. We have given the Option to them to send us by XXXX on our money. We need to have title to drive the car and without it we can get in trouble.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (AL)

I have received a notice from my bank ( XXXX ) placing a hold on my account. They claim that they received a levy legal order from IN UNited Collection Bureau Inc for an amount of XXXX dollars.. My debtor address is given in the notice as XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX IN XXXX. The legal order was received according to XXXX XXXX. 

Since I have never lived at that apartment or have not lived in XXXX for the last 6 years, I have no idea what this notice is. There is no Credit charge on my account. I called up the Apartment and they told me to treat it as a fraudulent address as well saying that some person named XXXX lives there ( who I have no clue about ). This is clearly an identity theft issue. 

My bank says that if they do not receive a release order by XXXX XXXX, they will be forced to pay XXXX dollars to this account. Please help.
Consumer complaint received 2024-09-04
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX # XXXX SELF / LEAD # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XACTUS-CP/NATIONS LEND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  LEND XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had bought a TV from Walmart and the 3rd party company XXXX with my Capital One Bank Card. The thing is that I want to return the merchandise do to being the wrong TV. I contacted Walmart and Capital One to open dispute and return the item. Capital One told me to wait for XXXX XXXXs to contact me within 48 hours and that they was a case XXXX XXXX. That they were going to fix the issue. I have been emailing the 3rd because they never called or send me the label for the return. Now Capital One tells me that the case is close and all I am asking is for a refund and return TV. XXXX XXXX  told me that the case was close as well, they never called or emailed me back. Need to know if something can be done.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

When I first took this loan, the interest rate were not explained to me otherwise I would've never took the loan to begin with when I decided that I wanted to close the loan. It was ready too late. Also, I was told that after XXXX months period of me paying the loan on time I will be eligible For secure loan, which never happened when I ask the company to send me all the receipt of the payment that I made through the loan I was never able to get them online is not available at this point is very difficult for me to even paying this loan and I don't know what to do because every month I pay a little bit, however the interest is keep getting higher and higher. This company is a scam.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX RE : XXXX XXXX XXXX Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, XXXX XXXX XXXX did the same damage to my score to have my credit score drop many more points. 

My XXXX card had a credit limit of {$3000.00}, to which I only had a balance of {$130.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When XXXX made the decision to lower my credit limit from {$3000.00} to {$200.00}, XXXX created the exact negative impact on my credit report that XXXX claim to be against. Before XXXX action against my excellent payment history with XXXX, I was at 5 % usage to my credit limit. Now that XXXX XXXX XXXX has lowered my credit limit, Im at a usage of over 60 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. XXXX XXXX XXXX actions have falsified my credit report to say that I am using over 60 % of his available credit when in fact I was only using 5 % of his available credit limit. 

With the facts being stated above, I am asking XXXX to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the XXXX is in the business to intentionally damage the credit scores of the XXXX card holders or any individual that make payments to them for their clients. 

Thank you,
Consumer complaint received 2023-10-12
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. (GA)

I contacted Experian and advised them that multiple inquiries on my credit report are there due to fraud and I was advised that the inquiries would be removed. Upon checking my dispute results the status say remains. I need these hard inquiries for which I did not do, removed from my report asap.
Consumer complaint received 2024-06-10
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: Chime Financial Inc (PA)

The information is still reporting to transunion and not fixed. Chime said they updated the report in XXXX. But it is still reporting a balance of XXXX and open. And it should be XXXX and closed. I have filed 4 disputes in a row. And XXXX told me each time. You guys response was " the account verified as accurate ''. You guys are reporting misinformation. Chime told me that they can't update the account " credit report '' because it is closed. Well XXXX thinks its open and carrying a balance. Will you guys please fix my account the closed with a XXXX balance.
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MI)

National Credit Systems called out to me multiple times. I asked for them to verify their license number and agent refused. stated that where will be no change to my credit because I didn't pay rent. I checked online and National Credit Systems IS NOT licensed to collect in XXXX at all. 
XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Mailing Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX letter will be sent in mail this week, This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( XXXX ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (TX)

There are 49 transactions that were unauthorized in the amount of {$14000.00}. My XXXX was stolen in late XXXX and unauthorized access was used to get into my Crypto.com account. They purchased {$14000.00} in the span of two weeks and transferred it to an external wallet. 

I have been in contact with XXXX  XXXX XXXX for the last two months trying to get this dispute solved but am having issues because of my previous history with this merchant. 

I have reached out through both email and by phone to Crypto.com with no luck. 

I filed a police report for the stolen XXXX and have attached it below.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (FL)

XX/XX/2024 I spent {$3000.00} on a purchase at XXXX. The payment was declined by SOFI, but the transaction went pending and the funds were taken out of my account. The transaction sat pending for 6+ business days, before finally dropping off, yet the {$3000.00} that was deducted was NOT returned to my balance.

I have contacted SoFi customer support over 20 times to find out what is going on with this transaction, and they continue to claim the funds were never taken out of my account and that the transaction was void. They advised to contact the merchant, who replied " Thank you for your patience. I'll try my best to resolve this issue. From what I can see, your transaction expired before your funds fully reached us. In this case, your bank put your funds on hold, which means they will return the funds to you. It may take 1 to 10 business days, and the time depends on your bank, not on us. '' The transaction was pending for 6 days, and funds were deducted. Then it just fell off and never posted, but the funds were not returned to my balance. SoFi support agents can not see the transaction and refuse to even acknowledge that it exists. 

I am nearly positive I did not receive my {$3000.00} back.
Consumer complaint received 2024-06-10
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: WELLS FARGO & COMPANY (IL)

On XX/XX/2024 at XXXX, I received a text message ( attached ) asking if I made a purchase at XXXX XXXX for {$4900.00}. I rarely use this card and it had a XXXX balance when I got the fraud alert from Wells Fargo. I was outside walking my dog when I got the fraud alert at my home address which is 24 miles from XXXX XXXX ( later discovered the charge was made at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX ). The credit card was in my possession when I received the text message from Wells Fargo. I immediately replied back N in which I was prompted to call the Wells Fargo fraud protection phone number. I immediately called and talked to a fraud customer service representative and made a claim. The card ending in XXXX was cancelled and a new card assigned. Wells Fargo representative stated that I am not responsible for these charges. 

On XX/XX/2024, after receiving a replacement credit card for account ending in XXXX, I checked my online banking application and there was a balance of {$4000.00} on the newly assigned card. This is additionally confusing and incorrect to have a {$4000.00} balance in which it was originally the fraudulent charge of {$4900.00}. Keep in mind, I did not make this purchase in either amounts. The card has been at a XXXX balance for over one year. I spoke with XXXX in fraud protection and he stated that my claim was denied. He could not give me a reason. He told me to call the Wells Fargo claims phone number ( XXXX ) XXXX on Monday XX/XX/2024. 

On Monday, XX/XX/2024, I spoke with three different agents in the Wells Fargo claims center asking for updates and an explanation of denied claim. No one could give me an answer, so I asked to be elevated to a manager handling credit fraud claims. His name is XXXX. He told me that the claim is being reopened, but stated that it will take two to three weeks for this claim to be remedied, potentially affecting my credit. He could not supply any proof of my signature, any receipts for the fraudulent purchase made, and refused to give me any updates on claim status. Wells Fargo refuses to give me any documentation. On XX/XX/2024, I contacted the store where fraudulent purchases were made at XXXX XXXX ( XXXX ) XXXX, and the store manager refused to give me any information about the fraudulent purchase.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I have XXXX accounts with Affirm. I make monthly payments. XXXX payment is {$33.00} per month and due on the XXXX of each month. XXXX payment is {$18.00} due on the XXXX of each month. I made a payment of {$33.00} on the XXXX of XX/XX/year> through my XXXX XXXX  on line process. I can prove this with my bank statement and call center agents have verified that the payment was on the wrong account but they say they can't move it to the correct account. Affirm keeps harrassing me with Texts and emails to make the XXXX payment. I refuse to make a double payment on principal. I can't get anywhere with them and a supervisor hung up on me today after asking my name. They won't give me the owners name or address. I have had accounts with them for years and they obviously don't care if they lose me as a customer. My Bank said that they would reverse the payment and then I could call a payment in but that didn't happen. You are my last resort.If they ruin my credit I'm going to find a lawyer.
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

On XX/XX/2020, cash app account was hacked and took different amounts {$1200.00} and the second transfer of {$1400.00} from my bank account and sent to different account without my authorization. The amount was sent to a fake bitcoin account. I tried refund the amount and even dispute the transaction but stated that i need to file a police report for further investigation. I filed a police report about the fraud and unauthorized transaction.
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (MA)

Our loan was sold XX/XX/year> since then our new company has harassing us calling and sending statements stating we are late. I have the mortgage set up with XXXX to pay on the first of every month but it takes at least 11 days for the payment to be pulled from our bank. It shows every month that it has been processed on the same day that it was set up to pay XX/XX/year> and today we received a statement treating us to pay. They told me last time that I would have to call them every month that our loan has been paid I told that is not going to happen. This ridiculous I called again today and XXXX the representative answered just spoke over me and said it is my bank that is true I have called them and they said it is the mortgage company. Please help!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WY)

I had a loan with XXXXXXXX XXXX XXXX  and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all 3 credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to 100percent accuracy on acounts reporting to my credit file and XXXX XXXX XXXX violating my rights.please investigate and delete this account from my credit report XXXXXXXX XXXX account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (MN)

Paypal allowed 4 charges to be added to my Paypal XXXX unauthorized by me. When I attempted to dispute the charges I received this notification : Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX Disputed amount : {$52.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX XXXX XXXX : {$61.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX XXXX status : Closed The case was closed in the sellers favor as the seller provided a valid proof of delivery. 
Case details Case ID : XXXX Disputed amount : {$73.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX