davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

Date : XX/XX/XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA, XXXX United States Subject : Unresolved Disputed Charged Off Loan ( Affirm ) Dear Affirm, I am writing to urgently address an unresolved issue regarding a charged-off loan on my account ( Loan ID : XXXX ) with Affirm, initiated on XX/XX/XXXX. This letter is regarding the purchase made through Affirm at the XXXX XXXX and the subsequent developments including the merchant-issued credit adjustment on XX/XX/XXXX, my requests for deferral due to COVID-19 financial hardship starting from XX/XX/XXXX, and the eventual charge-off of the loan by Affirm on XX/XX/XXXX. 

As a loyal user of the Affirm platform, I am deeply troubled by the negative impact this situation has had on my financial status and access to Affirm 's services. The core of this issue lies in the failure to process a credit adjustment of over {$270.00} issued by XXXX XXXX. Despite this adjustment, my loan fell into default and was subsequently charged off on XX/XX/XXXX, with a remaining balance of {$290.00}. This balance should have been offset by XXXX XXXX 's credit adjustment. Furthermore, my repeated requests for a payment deferral due to financial hardships caused by the COVID-19 pandemic, starting from XX/XX/XXXX, were not appropriately accommodated, leading to the exacerbation of my financial difficulties. 

In response to these unresolved issues and the significant distress caused, I am requesting : 1. Immediate removal and correction of the charged-off status of my loan ( ID : XXXX ). 
2. Immediate correction of all negative and derogatory information reported to my credit report as a result of this situation.

3. Full reinstatement of my access to the Affirm platform, acknowledging my history as a loyal customer.

4. Issuance of a {$500.00} virtual gift card as a gesture of goodwill for the hardships and extraneous issues I have endured due to Affirm 's unethical operations and lack of proper handling of my account issues. 

This complaint letter, detailing the lack of resolution and support from Affirm, will also be forwarded to formal agencies, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), for further escalation and investigation into these matters. 

Thank you for your attention to this critical matter. I look forward to a swift and fair response. 

Regards,
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (NC)

PNC Bank XXXX XXXX XXXX XXXX, PA XXXX denies receiving my XXXX payment for the car loan I have with them. The payment was due on XX/XX/XXXX and funds in the amount of {$540.00} were sent electronically from my account with Local Government XXXX XXXX XXXX 's online bill pay on XX/XX/XXXX7. This same method of payment has been successful to this same PNC loan 25 months/payments before. Proof of payment has been provided to PNC numerous times yet I'm still receiving collection calls and texts. The Credit Union I bank with has launched an investigation. They informed me other Credit Union members are experiencing the same issue with PNC Bank claiming their payments were not received by PNC.
Consumer complaint received 2023-09-12
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. (OK)

In accordance with the fair credit act these accounts has violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all hard/ soft Inquiries on my Consumer report removed. I never gave these companies permission to inquire my consumer report.

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 state that a consumer reporting agency can't furnish a accounts without my written consent.

15 U.S Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Reinvestigate the completeness of every piece of information.
Consumer complaint received 2023-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

there are multiple inquires on my credit i did not authorize. I would like all these unauthorized inquires removed I contacted the creditor I asked that they cease there illegal 's activates immediately but to date there have been no response.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (CA)

I am writing to file a formal complaint against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a XXXX XXXX in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both Discover Bank and the XXXX XXXX XXXX XXXX and XXXX 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

Discover Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX XXXX and XXXX, in their pursuit of collection on behalf of Discover Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by Discover Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud. 

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

I made a very large payment against this student loan. It has been 90 days and they ( Mohela ) has not reported it to the credit report agencies. I did disputes with the 3 major credit report agencies and provided documentation from the Mohela website which clearly shows a very large payment against my balance, but Mohela will not confirm and the 3 major credit reports close out the dispute without any changes.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account was included in bankruptcy Case XXXX XXXX XXXX of Texas and discharged on XX/XX/2023 ; they are still reporting adverse history and should report nothing but included in bankruptcy. No other information should be reported on the account. That was the purpose of the bankruptcy. 

This incorrect information is causing me harm, impacting my credit score, and can potentially cause foreseeable financial loss, damages, and injury. If the information is not updated, I will see the total damages allowable by the State of Texas, and there is no current state damages cap for this type of financial damage.
Consumer complaint received 2023-04-29
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: BARCLAYS BANK DELAWARE (IL)

I worked for a law firm in 2022 and sent Barclays Bank a subpoena for information regarding a matter. They ran a hard credit inquiry on me on XX/XX/2022, without my consent or knowledge.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-11-21
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: AMERICAN EXPRESS COMPANY (CT)

-Contacted XXXX XXXX about an order on XX/XX/2023 that was delivered by XXXX  but was sent a picture of it delivered to another doorstep clearly not my address. Order was for {$190.00} XXXXUpon contacting XXXX XXXX, they reccomended I contact American Express to dispute it so that I can get my money back -Provided Amex all documentation, but they keep telling me that it was delivered and they can't use the picture that it was delivered to some random doorstep as proof (??? ). 

Amex account # / Reference # : Account Ending In XXXX Reference Number : XXXX
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (AZ)

I contacted the XXXX XXXX  card customer support to file unauthorized transactions on two separate occasions now both times I will talk to very rudely and then hung up on after being told that they can't file these unauthorized transactions or anything they have no idea what they're doing and they provide no customer support whatsoever so I have a bunch of charges on my account to XXXX XXXX XXXX and to XXXX XXXX XXXX  so with XXXX XXXX XXXX  it's a online sweepstakes legal here in my state what happened is I kept getting solicited to play the sweepstakes and I did I made the purchases on there for the coins what not well last night I won over {$2000.00} and I went to cash it out and at first it looked like it was going good but then later on when I tried to login my account was terminated and I tried contacting support and they just gave me the runaround and now they will not communicate back with me so I was trying to file a dispute for these charges because I didn't receive the services actually I lost everything and this is when XXXX XXXX just absolutely hung up on me I actually filed an unauthorized charged last week for the XXXX XXXX XXXX those ones I didn't even make I have no idea who they are and immediately after I filed the dispute they came back on and told me that I was not going to receive any money back and again just hung up on me when I said no you guys under regulation e you have to at least attempt to investigate this they are the most unprofessional rude people I've ever met and I can not I will never do business with them again there's about {$400.00} worth of charges on my account from the XXXX XXXX XXXX and another {$75.00} from the XXXX XXXX XXXX I need all of that money returned I did not receive anything for it if anything I lost several thousand dollars to these to this sweepstakes paper needs to make this right and
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

Timeline : On XX/XX/XXXX at XXXX I deposited {$25000.00} I was immediately able to purchase XXXX  and was not notified of any holds to my account pending or active post deposit of {$25000.00} On XX/XX/XXXX at XXXX XXXX  I purchased {$25000.00} worth of XXXX XXXX XXXX XXXX On XX/XX/XXXX I realized I could not send nor cash out XXXX. Only XXXX coins with < {$1.00} balance. 

At XXXX XX/XX/XXXX I spoke to someone in Customer Service who stated that the reason my entire account was locked from sending or cashing out XXXX  was due to various reasons and scenarios that I ( customer support ) do not have access to. But that my account would be able to send or cash out XXXX XXXX. I stated that if there was a policy for any conspicuous transfers rendering my funds and or entire account to be locked Coinbase should not have allow me to invest those funds until settled. I requested a copy of the policy for decision making criteria* which he failed to provide and stated he did not have access to. 

Given the market bull run and evaluating the conversation, I decided 7 days is not egregious for a large amount like that. So, I made another deposit to capitalize on the market ( trusting Coinbase ) On XX/XX/XXXX at XXXX XXXX  I deposited {$12000.00} On XX/XX/XXXX I purchased XXXX and XXXX leaving a remaining balance of {$8600.00} On XX/XX/XXXX XXXX I receive an email from XXXX XXXX XXXX stating : We have increased the holding time before you can withdraw your funds by 30 business days. This is meant to protect you against fraud by ensuring that you authorized this purchase. No action is required on your part. 

If you believe this is in error, please contact us by visitinghttps : //support.coinbase.com On XX/XX/XXXX I immediately reached out to customer support via the in-app messagingCoinbase support caseRef. # XXXX XX/XX/XXXX. Iemail address was valid and asked why my funds for withdrawal are being held and additional 30 days? 
As I am speaking with them they state the date is XXXX XXXX which is more than 30 days given Coinbase Customer Service told me XXXX XXXX. 
I asked him for the decision making criteria/ policy for how they made this decision and told him that these are my funds and my name is on each account to and from. He stated he did not have access to this and that there was no escalation point. I had to get back to work and the chat closed. It is showing still open however when I go to open either case ( listed below ) there is no prior transcript. 

XX/XX/XXXX account is still locked down. Coinbase App is stating ( see picture ) I have {$22000.00} that I can withdraw*** LIES Support via message in the Coinbase app information- Recent Help requests Coinbase support case Ref. # XXXX XX/XX/XXXX XXXX Coinbase support case = Ref. # XXXX XX/XX/XXXX Closed
Consumer complaint received 2023-08-31
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. (NM)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one XXXX XXXXXXXX has failed to show proof of this account to be mines. Under 15 US 1681b I give Capital One the right disclose any public information to credit Bureaus. This account is also a violation of 15 Usc 1692e false and misrepresentation of reporting to XXXX and XXXX. For this account has been damaging my credit worthiness
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (OH)

I have five unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to FAIR CREDIT REPORTING ACT, XXXX, Equifax, & XXXX are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy
Consumer complaint received 2023-11-21
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P. (SD)

On XX/XX/23 Southwest Credit Systems emailed a XXXX bill to an email that was not mine. Luckily, I do know the person that it was incorrectly sent to and they forwarded this on. I feel that this a huge privacy breach. When I spoke to a supervisor at Southwest, she told me there was no way to see how they received the incorrect email address ( whether it originally came from the forwarding company or not ). She updated the information in her system but, as far as I know, that is the only action that was taken.
Consumer complaint received 2023-06-15
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. (PA)

the employer information is wrong I have been with the same employer since XXXX and never report it. 
someone put realt mark associate this is a wrong reporting information please remove
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 informationisinaccurate.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX vehicles purchased using my credit information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Contacted credit union they refused to assist me resolve. 
the identify theft. Both vehicles have been recovered. provided the reports reflecting it was identify theft.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX late payments are on my credit score and i have submitted letters and also called the XXXX in XXXX to this payment should not have been reported late i never received the billed for those 2 months that are marked late on my closed XXXX XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b