davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NC)

I used Affirm to pay for two orders that I placed on a online store because I had used Affirm a few times before. I didn't have any issues like the ones I'm running into with my two current orders.

I was not able to reach them through the chat option through their app and when trying to get their number to call the app kept crashing or would not load the page that I had to go through XXXX just to get the number to call. 

The first person I spoke with didn't understand what the problem was. All she wanted to do was tell me how it worked how much my total payment was how many payments you know I had and how you know how bi-weekly and all the information I already know. 

Despite spending the majority of the conversation with her explaining the same thing over and over again and either she just could not understand or she did not want to give me an answer. 

And then I asked you get transferred to someone else you would understand because I should not be marked for a late payments that was not late when it was paid on the day it was due. 

Then the next person I was transferred to said that she was a supervisor and her name was XXXX and I had the same exact issue with XXXX like I had done with the girl before. each time when they appeared that they may be understood what I was saying and what the issue was they just put me on hold and after being on hold for a few minutes would come back and give me the same spill of how the system worked or payments how much they already made the payment in full to them and and not addressing the issue. 

Looking back at my bank records and looking back at the payments The time it takes for a payment you process is part of the schedule so even though you are given a date for the payment to be due it's actually due the day before because apparently now you have to take into account the processing time. So even if you have a timestamp from your bank showing that you made a payment on this day it will not appear on the app because it won't finish processing until the following day
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (IL)

I recently noticed the following collection account on my TRANSUNION AND XXXX XXXX credit report : XXXX XXXX XXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
Consumer complaint received 2023-02-15
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERALTRADECOMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. Bankruptcy : XXXX XXXX # : XXXX ; Bankruptcy XXXX XXXXXXXX Reference # : XXXX ; XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the credit reporting AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NM)

I was contacted last week by a collections agency saying I owed {$650.00} for an unpaid energy utility debt from 2021. 

They could not give me much information, except for the service dates and account balance and the company who filed this collections notice. 
I contacted XXXX XXXX XXXX, the filer of the notice. They explained that I was not in their system. I contacted my old energy provider at the time of this service date, and XXXX had no record of me either. 

After calling the collections company 3x, they finally gave me the service address, and I recognized it from a scammer who had used that address to setup a comcast account. I filed a report for this through this same process that I am now. 

I then googled who provides energy for that area of Texas, and called the company using the address I was given. Sure enough, they had a record. The rep called with me into XXXX XXXX XXXX, and disputed the amount. They want a police report and a ftc fraud report as well. 

The service dates are from XX/XX/2021 to XX/XX/2021 and the amount is for XXXX.
Consumer complaint received 2018-09-08
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. (NC)

In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with XXXX XXXX was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get XXXX XXXX to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.
Consumer complaint received 2023-12-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

Hi, My company gave me a {$300.00} Amex gift cards as a bonus and I'm unable to use it anywhere ( including XXXX and XXXX ). It just says : " Transaction declined. '' This seems to be a common occurrence with Amex. I'm happy to give you my gift card number. 

I called the number customer service number on the card which was of no help. The auto response said to try another vendor and then it hung up on me which I tried to reach an operator. 

Thank you, XXXX
Consumer complaint received 2023-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (VA)

XXXX XXXX back to back calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; left messages with each call Calls are often from the same person who tries to disguise their voice by faking a XXXX XXXX  or will become more terse in subsequent messages.
Consumer complaint received 2018-09-08
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: Experian Information Solutions Inc. (AP)

I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX/XXXX ( ( TWICE ) XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( clone company ) ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through intermediaries named XXXX and XXXX XXXX in the total amount of XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (IL)

Afterpay declined the transaction and when asked about it, this is what they said " In order to shop in-store using the Afterpay Card, upon set-up, customers may be required to undergo eligibility checks.

Afterpay takes a number of factors into consideration when deciding on whether we can offer you the Afterpay Card. These factors include how long youve been a customer for, your repayment and credit history, as well as ID verification status. 

As we have not been able to successfully complete these checks, you are unable to shop in-store. '' Very vague and not helpful.
Consumer complaint received 2023-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (TX)

On Monday XX/XX/XXXX, I called Wells Fargo Home Mortgage and informed them that I was working on getting the funds for my XXXX mortgage payment. My home preservation specialist XXXX XXXX said I need to get the funds in my bank account today, because the payment would be presented today. The funds were deposited into my checking account at XXXX XXXX. This in fact covered my payment. 
On Tuesday XX/XX/XXXX, I saw the payment was posted. At around XXXX, I received an alert that the mortgage payment was reversed. I called the bank and was told that it was not the bank that reversed the payment, but it was WF Home Mortgage that reversed the payment. I reached out to the mortgage company and was told that the representative contacted the cash department with WF Home Mortgage. She was informed that the payment was insufficient, and the mortgage company reversed the payment. I then called the bank and received a customer advocacy specialist XXXX that confirmed the bank posted the transaction and the mortgage company reversed the payment. This reversal will cause me to break my trial modification plan. The mortgage representative said that someone on their side looked into my account to verify funds and saw I was hit an OVERDRAFT FEE, not a NONSUFFICIENT FUNDS FEE and decided to have my payment reversed. This is unethical, because I have not authorized anyone from the mortgage company to look into my Wells Fargo Bank account. I would like this looked into and I will be filling a complaint because these practices are unethical and dangerous.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-09-08
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: JPMORGAN CHASE & CO. (NC)

In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with Chase Bank was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get Chase bank to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

I'm writing in response to a notice I received regarding an alleged debt related to XXXX. Under the FDCPA, I'm requesting a validation of this debt. 

I dispute the validity of this debt for the following reasons : -I have not received sufficient information to verify that this debt is legitimately owed by me.

-There has been no clear accounting of the amount claimed to be owed.

-I have not been provided with any agreement that bears my signature, indicating my agreement to pay the alleged debt.

-In accordance with the FDCPA, I request that you provide the following information : -A detailed and itemized statement regarding the alleged debt.

-Proof of your authority to collect this debt.

-Any agreement that you claim exists which obligates me to pay this debt.

-Verification of the date of the original delinquency.

Please note that this is not a refusal to pay, but a statement that your claim is disputed and validation is requested. During the validation period, any collection activities and reporting to credit bureaus should be ceased as mandated by the FDCPA.

If your office fails to respond to this request within 30 days from the date of receipt, this request will be deemed as an acknowledgment of the invalidity of the claim, and I expect the immediate removal of this matter from all credit reporting agencies.

Thank you for your attention to this matter. I expect your response in writing within the statutory time frame. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

XX/XX/XXXX is the most recent of multiple times speaking with PayPal this week. 

PayPal told me earlier this week to continue having funds sent to my account to unlock my account automatically. Today when I called two reps answered and said this is an attempt to collect a debt. The previous employees intentionally gave misinformation.
The employee was XXXX, employee number XXXX
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

Every year my mortgage company, Newrez, is sent proof that I have flood insurance, and every year they pretend they didn't get it and charge me for forced flood insurance. And then, if I don't catch it, I just continue to be charged. When I called to talk to someone about it, their employee told me that it happens all the time and the only way I can make sure it doesn't happen is to physically sit on the phone with someone while they check the email or fax and enter it into the computer. This is so frustrating, and I do not understand how they are able to continuously charge me for something that I did not ask for, and do not need. This seems like a shady way for them to steal money on the chance that people don't realize they're being charged. Something needs to be done about this. I've never had this issue with any other mortgage company.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TN)

I am not liable for this debt with XXXX Bridgecrest Acceptance Corpora. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2023-12-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs XXXX closed my CD account without any notice to me and sent the account balance in check format to the wrong address. They have refused to send out a new check to my current address until the previous check expires in 90 days.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am reaching out regarding my credit report, which contains inaccuracies that require your attention. Specifically, I dispute this account : XXXX XXXX XXXX. 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am puzzled as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (SC)

Unauthorized hard inquiries from: 

Santander consumer
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WI)

I have a very large student debt and I find it quite frustrating that the Capitalized Interest is not displayed as a total of interested that has accumulated in my account. Only the Interest Subsidy is shown which is not a fair representation of how much interest has actually accumulated and has grown my original amount to be paid by 30 % which is over {$70000.00} added onto my original loan.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Screening Reports Inc. (WI)

On XX/XX/2018 Scrng Reports made a hard inquiry on my XXXX credit report without my authorization. On XX/XX/2018 XXXX  confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what Scrng Reports is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information