davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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 (PA)

please delete this auto loans now I fixed is several times but still in my report this is a violation because this accounts is not accurate reporting please see the listed account below and delete it now XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$5700.00}
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (CA)

I received a Debit card in the mail from Cash App to scan a QR code and activate my account, however I do not have a cash app account nor have I request cash a app card through any means. This account was opened without my permission and is fraudulent activity.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NY)

I was making a mobile transfer through the XXXX chime app on Thursday XX/XX/year> around XXXX in the amount of {$1600.00} input the recipients name which produced multiple results and selected the handle of the receiver. Immediately the funds were deducted but there was a lag in the receivers system and he did not get the funds immediately. I called Chime within XXXX secs of completing the transfer and the call was placed on extended hold. I spoke with XXXX reps and was advised the funds went into the account of an incorrect recipient. Someone I do not know. XXXX rep was able to confirm the transfer brought the recipients balance up to XXXX but could not disclose any other Information abt the person. They initially refused to even process a dispute and stated pay anyone transfers are ineligible for disputes which directly refutes what their website says. They told me the deposit posted immediately and all I could do was ask the recipient to return the funds. A person I don't know and have never had any communication with. After begging to be allowed to refute the transaction which I did not authorize to this individual I was finally aided in completing the dispute request at XXXX which advised it could take up to 10 days to issue an provisional credit however I received an email at XXXX that the dispute was denied and closed.
Consumer complaint received 2024-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington approved for me to skip my. XX/XX/year> payment. I will pay {$810.00} for 3 months to catch these payments up. Then Carrington sent me a letter stating. They haven't received my XXXX or XXXX payment. When we had made this agreement. I even have a payment arrangement set up for XX/XX/year>.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P&B Capital Group, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (PA)

My account with AFFIRM INC was never late! I have had exceptional payment history with AFFIRM INC and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX  2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


AFFIRM INC Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-26
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. (SC)

My XXXX Credit card expired with XXXX XXXX and I re-applied on XX/XX/2023 and was denied. I received a letter on XX/XX/XXXX stating that my application contained unsatisfactory information or unverifed information and to contact Trans Union. I called Trans Union on XX/XX/XXXX and spoke to XXXX and she told me the only negative on my report was an XXXX as XXXX XXXX. Everything else was good. She told me to contact XXXX XXXX and tell them that the XXXX was removed. I spoke with XXXX and he told me to re-apply now and that everything should be apporved. I applied again and was denied. I called back on the XXXX number and was connected to XXXX who could not help me and suggested that I apply at the store. I told her no, I was not going to be embarrassed at the store. She was of no help. I take great pride in keeping my credit great. At this point I want this resolved.
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

The company has not sent proof of the debt being mine. I also have no knowledge of this account. 

Southwest Credit Systems opened XX/XX/year> Ive tried calling but no one answers or trys to help me get this off my credit report. This account has been listed in my identity theft case.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (IL)

My martial settlement agreement stated that I had six months to assume my mortgage from the date that I was issued my divorce decree on XX/XX/XXXX. I immediately called Chase to start the assumption process on XX/XX/XXXX. I spoke with underwriter XXXX XXXX at Chase XXXX XXXX on XX/XX/XXXX and was told I need a second co signer to increase my income to pass the XXXX and housing ratio requirements. I resubmitted the application again with a second co signer. I repeatedly informed the underwriters that my ex 's attorney was demanding a pre approval letter and a closing date otherwise she was going to hold me in contempt of court and demand I list my home for sale. The underwriters at Chase failed to inform me why they could not provide me with a pre approval letter, options of what I can do, or guidelines of the overall assumption process to provide the court. Underwriter XXXX XXXX informed me my assumption was denied on XX/XX/XXXX because my second co signer could not be approved because he is my XXXX father. Now I am currently being held in contempt of court because Chase exceeded the six month court ordered deadline to assume my mortgage. My ex 's attorney is asking for me to be sentenced to prison for XXXX months, to pay all of his legal fees and to list my home for sale.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00} DEPARTMENT OF CHILD XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aqua Finance, Inc. (IN)

We had a roof replaced and the balance owed was XXXX. The initial company that gave us the loan was XXXX XXXX the account is in my husband 's name XXXX XXXX and mine. XXXX XXXX was bought out by XXXX XXXX. We paid by ACH debit. During COVID, we were unable to work and we got behind by 2 months. They called and a verbal agreement was made that the 2 months would be added at the end. My payments were XXXX per month. I noticed that the loan seemed to never end so I called and asked for a complete payment history and a copy of the original loan. XXXX sent the documents XX/XX/XXXX which I have scanned and put on a XXXX XXXX. I received a call in XX/XX/XXXX saying my payment was due. I explained I had an ACH debit. The young lady put me on hold came back to say the loan matured in XXXX and I still owed XXXX I told her that was impossible. She said the loans usually go 10 years which is how long we had been paying. I called an attorney and sent the documents to her. She looked at the papers and said some fees and things were not clear or explained and she said that I needed to contact you. She felt that they were being dishonest. The attorney gave me your info. I just saw they debited money from my account last week I did not give permission since the loan had matured.
Consumer complaint received 2023-06-26
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. (LA)

on XX/XX/ I phoned credit bureau to clarify an issue in my credit report first representative hung up on me right away representative # 2 insisted I just needed to just explain the adverse information was for one item not many and politely hung up credit bureau very unprofessional my creditor needs an accurate report from the credit bureau me informing the creditor is insufficient but at the same time why is my creditor giving me decreased credit limit and higher APR when the XXXX information was there when it approved me for the credit
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (FL)

They called and said it was regarding my medical problems when I answered the phone they then stated it's collections iam.XXXX  with XXXX XXXX so I believed it This was on XX/XX/2024 at XXXX XXXX they called from a fax line XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

the company spring capital bought my debt from original company and i do not have a contract with spring oaks capital llc they dont not have my written consent to report on my consumer report they did not send a copy of 1099c that the company filled so that i can file with irs on my behalf also the selling and purchasing of my debt is a violation of my privacy this company is in violation of 15usc1692 ( g ) 15usc6802 15usc1681 ( b ) 18usc1028 ( a ) spring oaks capital llc XXXX. XXXX  XXXX, XXXX va,XXXX  acc # ending in XXXX
Consumer complaint received 2024-06-21
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: AMERICAN EXPRESS COMPANY (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-25
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. (MI)

On XX/XX/2024 I submitted a complaint against XXXX XXXX XXXX XXXXXXXX stating that I am not liable for this debt with XXXXXXXX  I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of XXXX to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXXXXXXXXXX they did not provide me with the original contract as I requested.
Consumer complaint received 2024-08-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Genesis Credit Management is trying to say I owe {$17000.00} to XXXX XXXX. This is extremely incorrect. They are also unethically charging interest throughout the year which is adversely affecting my credit score. 

They also need to know I will not be paying any unethical company that indulges in unethical practices any money for any reason.
Consumer complaint received 2023-03-21
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. (LA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I had XXXX unauthorized charges that I had disputed with chime as soon I recognized the charges I let them know and got a new card sent out after a day they denied it then I told them thats not fair because I didnt make them unauthorized charges on my account and still refused to give me my money back and in chime policy they have Visa 's XXXX Liability Policy protects cardholders from unauthorized charges made with their Visa credit or debit card, whether online or offline, if the card is lost, stolen, or fraudulently used this is unfair that chime is going against there own policy. The transactions total : {$1500.00} and was made on XX/XX/year> XXXX me transaction for {$100.00} another for {$400.00} and the last one for XXXX i didnt not authorize them charges they say do a rebuttal but lie and denies it. Then they say Im eligible for provisional credit but never give it me.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXXXXXX Equifax and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. Credit acceptance has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that XXXX XXXX XXXX Equifax XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I noticed my balance was higher than what the amortization schedule showed. When I went into my account, I also noticed that the payment schedule is not following the amortization schedule from my contract. When I called in, I was told " it's because interest accrues ''. I tried explaining that I understand that, but the funds are not being allocated according to the contract I signed. I also tried to adjust my due date, and they said I needed to call 2 days in advance. I tried to, and they were closed for the holiday on the XXXX, and didn't send a notice that they would be closed.
Consumer complaint received 2023-03-09
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. (IL)

I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with sofi bank. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MI)

My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. Aidvantage now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from XXXX XXXX XXXX where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from Aidvantage to XXXX but my balance with Aidvantage never went down. I called XXXX and Aidvantage numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to Aidvantage I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or Aidvantage as to what they are doing with any of my accounts. Aidvantage has not subtracted the amount that XXXX has discharged and they have taken more from Aidvantage. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
Consumer complaint received 2024-05-25
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. (SC)

*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (LA)

Cashapp locked my account for suspicious activity and is refuse to give me my XXXX XXXX They are claiming that its for my protection but wont allow me to confirm my identity. They are doing this is XXXX of thousands of people. My account is fully verified. With my id, and phone number. 
They are denying access to my hard earned money. And are refusing to allow me to cash out my balance while not offering a solution or resolution to this matter