davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (DE)

XX/XX/XXXX i was sent a text message from affirm alerting me that they had not received my payment so i logged in and made a payment. Unbeknown to me the payment i had previously scheduled to pull on XX/XX/XXXX also went thru in the amount of {$150.00}. so i made XXXX payments totaling {$300.00} on XX/XX/XXXX which is a XXXX. i notice right away on my bank account that both payments had pulled from my checking account and saw they were pending. I contacted Affirm on XX/XX/XXXX XXXX business days from XX/XX/XXXX and they advised me that they do no submit refunds of payments that are more than 3 days old. I escalated the call knowing as i work in American banking for a private lender that this is not accurate, and XXXX XXXX stated that no they would not give me a refund because it was more than 3 days. well if you are counting XX/XX/XXXX is XXXX business days from XXXX exactly and nowhere in the XXXX do people refund payments while the payment is pending, typically you have to wait XXXX business days until the payment posts before you can request a refund well not in affirms policy they refuse to refund me and now i am unable to maintain my financial obligations with my other bills this month in XX/XX/XXXX because affirm wants you to request a refund while they payment is still pending. I will never do business with affirm again, i am so upset that they would treat customers this way. i did my due diligence and made my payment by scheduling it for when i got paid, affirm took that payment and then asked me the same day for the same payment again so i complied and when i ask for the 2nd payment back they state they refuse. Shut them down. How are we as consumers supposed to survive while we are constantly being exploited by these corporations. Knowing this is not typical business practice i advised them of such and asked them for an employee id they refuse only giving me the name XXXX, this is how a supervisor acts?
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc. (VA)

The website took me to lenders who have a history of stealing people 's information and don't intend on approving the percentage of applicants they say they approve. They recommended websites with ads and cookies I didn't want that were also spam. I now have a hard inquiry on my report because of their falsehood. I was told a soft pull. They lied multiple times. The lenders took my information and kept contacting me for months.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

On or around XX/XX/2023 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

Hi, on XXXX XXXX I attempted to use the ATM located at XXXX XXXX XXXX XXXX, TN XXXX. 

I bank with Chime aka Stride bank phone number and attempted to pull {$200.00} off my debit account, and the ATM was stuck at the processing screen. I asked the clerk at the store if the ATM was working properly, and he advised that it was slow sometimes. 

The ATM then ejected my card, and no funds were dispensed to me, I attempted again not knowing that the transaction went through my account and the second transaction was successful and I was able to get the {$200.00}. 

The problem was I had two charges on my account. I contacted Chime at phone # XXXX on XX/XX/23 and was advised that the charge would have to settle before they could start the dispute. 

I also tried to contact the ATM company that is XXXX XXXX at phone number XXXX and their office was closed they are open M-F XXXX. 

On XXXX The charge was no longer pending and I was able to start my claim with Chime, at phone number Chime then denied my dispute on XX/XX/23 without ever starting an EFT protocol with the ATM provider. 

Since the date above, Chime keeps requesting more documentation for them to investigate my claim, I am now on rebuttal # XXXX with them and they have yet to follow protocol by law. They continue to deny my dispute and will not help me to get my funds back. 

Chime has not done what they are supposed to do and they continue to deny my rebuttals. I did not receive these funds and I just want my dispute to be handled correctly. Thank you for your time!
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX a card was requested from Chase in my name and I was made aware by my XXXX service of a hard inquiry to that end. On XX/XX/XXXX a second account process was started and the first was accepted. On both the XXXX and the XXXX I called Chase to request these accounts cancelled and all further such requests denied and reported as fraudulent. I have placed fraud alerts and freezes on my credit, but on XX/XX/XXXX my parents received mail from Chase regarding a card application and on today XX/XX/XXXX, I received an email stating the same. I have not yet contacted Chase today, but the continuing barrage of applications specifically with Chase and the labyrinth of their outsourced customer service makes this continued game of whack a mile both frustrating and disconcerting.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I was recently notified on XX/XX/2023, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to Mercantile Adjustment Bureau, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to XXXX XXXX XXXX. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by Mercantile Adjustment Bureau appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with XXXX XXXX XXXX. 

I will be contacting XXXX XXXX XXXX once again to ensure this matter with Mercantile Adjustment Bureau is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX and Experian have violated my FCRA consumer rights to ensure these incorrect negative reported items are removed from my consumer credit report. XXXX has incorrectly reported my payment history in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Both credit bureaus have different and incorrect information. I was never late with payments with XXXX XXXX. I made payment arrangements and XXXX agreed to not report my payments as delinquent.
Consumer complaint received 2024-03-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization.

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern.

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX 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 2018-07-14
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. (GA)

I have tried on multiple occasions to get the incorrect information that is being reported on my consumer report off. I was a victim of ID theft, I sent police reports, as well as affidavits to the CRA 's however, they refused to block the fraudulent information.
Consumer complaint received 2023-10-12
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. (CA)

I am writing to dispute and seek the immediate resolution of a fraudulent bankruptcy account that continues to persist on my credit report, despite my previous attempts to have it removed. This unresolved issue has been causing substantial harm to my financial well-being, and I demand that it be addressed promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX-dismissed Reference number : XXXX This fraudulent bankruptcy account is erroneous and has no association with my financial history. I have previously filed disputes regarding this account with your bureau, providing all necessary documentation. 
Despite my XXXX efforts and the provision of substantial evidence, your bureau has failed to take the necessary steps to investigate and rectify this issue appropriately. The continued presence of this fraudulent bankruptcy account on my credit report is causing significant harm to my creditworthiness, making it difficult for me to access financial opportunities and services.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

-- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- NOT DUPLICATE -- -- NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Bank OF America has committed SECURITIES and has DISCRIMINATED against a consumer by obtaining CREDITS via a FINANCE CHARGE and APPLICATION ( ASSETS/SECURITIES ) and has given me no benefit. Bank America has unlawfully denied me my federal Right to CREDIT by shutting down my consumer credit accounts and FALSELY ADVERSELY REPORTING A ALLEGED DEBT giving the impression I am in lawful debt to Bank Of America. Bank Of America has collected MONEY on a consumer debt that arose out of a FINANCE CHARGE where satisfaction for the obligation was completed upon APPLICATION via my Social aka CREDIT CARD. Bank Of America then decides with no warning to ADVERSELY SHUT DOWN my own credit and accounts and CHARGE OFF THAT ALREADY PAID DEBT as a BUSINESS LOSS. Even tho that consumer debt has already been satisfied by the Finance Charge Bank Of America has DEBT PARKED it on my consumer REPUTATION causing me massive severe harm financially and personally in order to COERCE MORE ( RE ) -PAYMENT on a debt that was already satisfied. Notice it is fact this adverse voluntary reporting of an alleged debt goes against the very definition of charged off debt by the IRS which states charged off debt shall be reported as INCOME. Bank Of America there for is inaccurately reporting income on my consumer report as a debt and is now under the Juresdiction of the F.C.R.A Tittle 15 for false and inaccurate reporting. Notice it is a fact Bank Of America has charged of debt as a business loss but has not properly sent to me a copy of a IRS 1099C form for filings. Notice it is fact Bank Of America has charged off an alleged indebtedness as business loss but has not returned to me in the full amount of that indebtedness now in violation under Federal law 26 USC 6050P.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

During the year of XXXX we did a refinance to buy down the interest rate in our mortgage with XXXX XXXX XXXX. When the final numbers had been calculated I noticed that the numbers seemed to be low. I called XXXX the loan officer with XXXX, and I asked her if she had added the property tax and home insurance, and her response was yes. When we got the first bill, I had my wife call and ask if these new payments are temporary is it going to go up, and the answer was no it was not and representative had my wife look up the future payments, so she did, and the payments were the same till XX/XX/XXXX. In XXXX of XXXX we get our XXXX bill, and it was for more than XXXX dollars. We called and no one could tell us what the extra fees added came from. Some of the representatives would say that it was something the bank paid, and they wanted the money now. We sent our XXXX payment disputing the remaining amount until someone could tell us what they are for. Through the month of XXXX, we kept calling and asking for a supervisor to call us back or anyone else who can explain what the extra fee are for. Then on XX/XX/XXXX, I spoke to a XXXX who asked me if I felt that my escrow was incorrect and asked me to fax her over the property tax statement and the homeowner 's insurance statement. So, I did, and I never got a call back or any kind of response so on XXXX of XXXX I filed a complaint with this agency and within three days I received a call from a XXXX XXXX from XXXX management team. XXXX began her investigation and out that I had been trying to prevent this happening, but she could not find the communication between myself and XXXX the loan officer because she was no longer with the company, and of course that included the underwriter who also failed to see that the property tax and home insurance was not added. XXXX manages to work out a deal and they ended up apologizing what I know I assume to be Mr. Cooper for not knowing how to provide us with the correct information. Yesterday XX/XX/XXXX, I received a call from an advocate of XXXX XXXX, named XXXX at # XXXX EXT XXXX, who stated that who we had been talking to in XXXX and XXXX of XXXX, was the Mr. Cooper call center. This is why I have decided to do this file this complaint against Mr. Cooper for lack of communication and knowledge and training because this was a mistake caused by XXXX the loan office of XXXX XXXX and now Mr. Cooper for not handling this matter on a timely manner. This matter damaged our credit and made us look irresponsible when I took pride on making my payments. Today we are in desperate need of a equity loan we we are hostage to this situation for at least six more years.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

They have violated multiple federal violations including asking me for down payment threw an already approved loan with credit. You have greatly ruined my credit just off your company alone. You have put me in emotional distresss right now as we speak.
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (TX)

XXXX XXXX XXXX, or XXXX XXXX XXXX it is unclear which company because their emails are from XXXX but the phone calls only refer to their XXXX office of SRS- contacted family members other than myself and my wife about a debt they claim I owe. I am not a minor, so they should not be contacting anyone but me. They called my father and my sister today, and possibly others.
Consumer complaint received 2022-01-21
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: ResidentCollect, Inc. (NC)

This Item continues to be reported on my credit report. I have written several letters to the Innovation Recovery and the credit bureaus and this inaccurate information remains on my report. I say inaccurate because they can not prove that this account belongs to me. I have asked on several occasions for them to supply me with a breakdown of the amount that they say I owe. I have been battling with this issue since it was reported on my credit report. On XX/XX/2022 I spoke with a supervisor by the name of XXXX who informed me that she was going to email me the breakdown but now it is XXXX XXXX and still I have not received anything. The only thing that they continue to send me is a collection letter, this is not proof of the account. I feel that this account needs to be removed from my report due to inaccurate information and them not complying within the 30 day period. I have attached a copy of the last letter that I wrote and I have proof from the post office of delivery. This item needs to be removed. I would appreciate it greatly if I can get help with this situation after fighting with them for so long. Oh, if they say that the account is mine ask for proof which they can not provide, please dont just take their word for it.
Consumer complaint received 2021-08-03
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: National Credit Adjusters, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-03-13
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. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

You opted to not respond to my dispute letter and, therefore, you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter.

Now, under 15 U.S.C. 1681i, of the FCRA, it states that all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately.

You are also required to send me a copy of my credit file showing that these items have been removed.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
account name account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX