davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MD)

In XX/XX/XXXX I received automatic email from AFFIRM that a virtual card was activated in my name. 
I called AFFIRM and spoke to representative that night informing them of the suspicious activity and that an virtual card was activated The representative opened fraudulent activity case for me On XX/XX/XXXX I contacted AFFIRM that morning about more loans being opened in my name and about the fraudulent activity that was occurring and the representative said a case is opened and will put in notes I called and will get an email from fraudulent team In AFFIRM message center I uploaded all three loans that were opened in my name and the suspicious declines of attempts of purchases with pictures I explained the situation and gave them all information I saw as suspicious I received an email stating I was responsible for these loans I called AFFIRM again. 
Asking how am I responsible when I explained the situation the new representative then closed out the card that loans were being opened in my name and reopened the fraudulent activity case with notes added also informed me this virtual card was being used on a phone which I told the representative that I only have XXXX phone The representative also asked me if I know or live with anyone that would have opened these loans I told the representative I live by myself and that no. 
The representative informed me that I will receive an email The same day I received an email from AFFIRM saying case already resolved I then contacted AFFIRM again and demanded to speak to someone in charge who I spoke to the supervisor who then I explained the whole situation and they reopened the case and added in everything I said and asked same questions about proof I have about this loan was not me the opened in which I responded all Photos and everything was uploaded in AFFIRM message center The email AFFirm also sent me I had responded to as well with my concerns never received a email back When calling and asking about it they say fraudulent team dont speak on the phone just email and that I have to respond to the email to get an reply which I sent three emails about it to them and never received an response back Now these loans are becoming delinquent and AFFIRM is not assisting me with this Manner of fraudulent activity AFFIRM policy for fraudulent activity is you wont be responsible or have pay for it they are supposed to take care of this never seen a credit card agency do this
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

National Credit Systems claims they are a third party collecting a debt on behalf of XXXX XXXX therefore they are liable for any terms and agreements. NATIONAL CREDIT SYSTEMS is attempting to collect the full amount of an alleged debt they purchased for pennies on the dollar. I have asked for documentation showing I was notified by XXXX XXXX that this alleged debt had been sold. I also did not receive information as to who it was sold to and for how much. In order for NATIONAL CREDIT SYSTEMS to report to another third party they should have provided me with that necessary documentation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may n treat a payment on a credit card 365 account under an open end consumer credit plan as late for 3554 and purpose.
Consumer complaint received 2023-08-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX ) ( LOAN # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (AZ)

I was a member of XXXX XXXX in XXXX, Arizona for about 3 years. After 1 year, I renewed my contract for 2 years for {$59.00} a month. The XXXX XXXX Trainer resigned before my 2 years were up. XXXX XXXX failed to replaced with another Trainer and the other Trainer available was more than XXXX miles from my home which XXXX XXXX states on the contract of a reason to cancelled if the next available Trainer was more than XXXX miles away from home. Then XXXX XXXX proceeded to take me to collections because XXXX I refused to keep paying for them not providing the services I was paying for.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I negotiated a charged off account with HOME DEPOT with Citibank reps for the amount XXXX to be paid by XX/XX/year> and I paid this on XX/XX/year>. On the letter from Citi it states this account would be reported on my credit as " Settled ''. As of today they reported this as a payment was made and they did not change the status to " SETTLED ''. This is clearly a breach of contract as I am in receipt of the letter from Citi and my bank statement and confirmation number from the companies rep that I paid on XXXX. I have included a copy of the settlement letter, copy of bank payment proof and copy of todays credit bureau showing this account only as a payment was made. Confirmation of the payment is : XXXX XXXX XXXX XXXX Citi Rep.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (PA)

On Thursday XX/XX/XXXX at around XXXX I walked into the TD bank located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I made a wire transfer to recipient XXXX of {$11000.00}. The bank associate who helped me was not familiar with the process and had to be helped by the bank XXXX XXXX XXXX On XX/XX/XXXX I notice on my online checking account another wire transfer for the same amount to the same individual being debited from my account. On XX/XX/XXXX I call XXXX XXXX and they tell me that this second wire was made by accident. She tells me that they have issued a recall on this wire and that they will give me a temporary credit for the amount they accidentally wired. In the meanwhile, in an email between the recipient, myself, XXXX, and XXXX XXXX XXXX XXXX XXXX we ask the seller to accept the recall. The recipient says if he receives the accidental wire, that he will return it. 

On XX/XX/XXXX the recipient affirms that he has not received the second accidental wire. On XX/XX/XXXX XXXX in an email says she asks the wire department to send another recall. 

Today is XX/XX/XXXX and I still have not received a temporary credit.
Consumer complaint received 2024-04-12
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 written instructions.
Consumer complaint received 2024-02-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP ()

I get a CD at U.S. Bank XX/XX/XXXX. At XX/XX/XXXX, I called U.S. Bank to cash my CD into my checking account. The customer service said no problem but 1 % will be deduct due to early withdrawal and I suppose to get my XXXX into my checking account within 5 business days as they mentioned. So I checked my balance at XX/XX/XXXX, it shows XXXX in my checking account perfectly. However, at XX/XX/XXXX, when I looked my balance again XXXX disappeared. So I made multiple phone calls in the next following days and all the responses are the same, tell me to wait and the money will be available tomorrow. Until now 7 business days has passed, and I still don't know why my money disappeared, and when it will be available again. Not a single reason being provided to me, which makes me frustrated. More importantly, I need the money as soon as possible to pay tax! Please help me!
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/24, I wrote a dispute letter to Experian to have a XXXX XXXX XXXX XXXX account removed from my credit report. When I received the results, the account was not even mentioned. This means that there was no investigation done and the account remains on my credit report. I do not understand why the account is still on my credit report as the account does not belong to me. Experian is breaking the Fair Credit Reporting Act and the account must be removed.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (TX)

The account youre attempting to collect on has been disputed. The accounts balance has increased in the months since appearing on my credit reports although the account is closed and in collections and is non interest bearing. This is factually incorrect and evidence thereof can be found in my monthly credit report depicting the balance increase. I have the right to accurate reporting as provided by the FDCPA.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bridgecrest Acceptance Corporation (NY)

The Fair Credit Report Act 15 USC 1681 section 602 ( a ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer XXXX, XXXX and XXXX consumer reporting agencies will report my information. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Bridgecrest is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and other : in accordance with the written instructions of the consumer to whom it relates. Bridgecrest the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX Bridgecrest whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. Bridgecrest never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again with out my permission which is against the law. 15 U.S 1681s2 ( A ) ( 1 ) states 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. 15 U.S. Code 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-02-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I have disputed through XXXX XXXX, XXXX. It comes back accurate for this account through PORTFOLIO RECOV ASSOC. Account # XXXX Amount {$1900.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CT)

I have a TD bank double up credit card. Until sometime back their auto pay setup feature was not working and therefore I setup a reminder to receive a text 2 days before the payment is due. 
I am always diligent in making payments.ontime and have been doing so for this card and all other cards on my account. 

For this transaction cycle XXXX to XX/XX/2024. 

This time I had large purchase on this card. However I did not receive a text notification reminding me of the due date and the balance due on the account as expected XX/XX/2024. As I have been receiving in the past. 

When I checked next day, bank had charged late fee and interest on the payment. Later I observe that they setup the auto payment feature and asked you to e sign an agreement before text services are enabled. 
I believe they disabled text service on purpose and charged interest and late payment fee and find it unscrupulous practice. 

I will try and reach out to them but just posting it here as they have been very unfriendly in the past in admitting error on their part. I will close this account after clearing the balance this time and never deal with them.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-11
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: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs, which administers the Apple Card for XXXX, was contacted through the XXXX XXXX feature. I provided communications from the merchant, also known as the app developer, regarding a second telephone number that has been non-functional for three months. However, Goldman Sachs, through their messages, refused to acknowledge the dispute or to contact XXXX on our behalf, which is a direct violation of the Federal Fair Credit Billing Act and the New York State False and Deceptive Trade Practices Act. I am supplying screenshots of all communications, as well as screenshots referencing the two charges. Although these charges are only {$12.00} each, they may be part of a larger, ongoing scheme to defraud Apple Card users concerning apps in the XXXX XXXX. It seems the XXXX XXXX is riddled with bad actors, indicating an ongoing and systematic scheme to defraud XXXX users. 

Please note that the XXXX ID is XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Amex ran a very misleading marketing offer on the XXXX XXXX XXXX XXXX where they ran a 0 % APR offer. I was approved for the credit card but not for the offer and this was not made clear to me so they went ahead and charged me interest on the balance, all the while I was under the impression that it was 0 % XXXX.
Consumer complaint received 2024-02-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (PA)

On XX/XX/XXXX a collection appeared on my credit report. It said it was originally openedon XX/XX/XXXX. I have not received any notice of this debt from the rental company, or the debt collection company. I was never attempted to be contacted, never received a letter written ir electronically about this debt. It just appeared on my credit report stating that i owe {$7200.00}.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-12
Product: Credit reporting 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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

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