davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

Someone used my information to purchase an item through affirm. I called affirm personally and told them the account was fraudulent and did not authorize any purchases. The representative told me that she was removing my information from the fraudulent account and was going to take care of the charges. They did neither. I did not make these purchases and i should not be held accountable.
Consumer complaint received 2018-05-21
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 — Their investigation did not fix an error on your report
Company: Financial Data Systems (NC)

Upon checking my report I noticed that a collection agency Financial Data Systems was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to Financial Data Systems for these accounts they reported to the credit bureaur XXXX The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XXXX XXXX I received notice from XXXX stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency Financial Data System, I was made aware only after pulling my credit report. XXXX is violating the FDCPA by reporting debt that has not been proven to belong to me.
Consumer complaint received 2018-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
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. (AL)

On XX/XX/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XXXX XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to XXXX  XXXX XXXX XXXX for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to XXXX  XXXX XXXX XXXX, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. XXXX  XXXX XXXX XXXX is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.
Consumer complaint received 2024-02-02
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. (MO)

Another closed complaint with another ridiculous explanation by this predatory company. Different day same lame  excuse AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2017-12-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (MA)

I had leased a XXXX XXXX XXXX. I had returned the automobile on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. The evidence of this is the official Registration Cancellation Receipt from the Massachusetts Registry of Motor Vehicles. Chase indicated that the vehicle was picked up by Chase on XXXX XXXX, XXXX, but XXXX XXXX has no record of this activity. I sent a letter to Chase indicating this and a check for the end of lease payment of {$300.00}. Chase claims that I still owe {$340.00} which represents the additional one month possession of the automobile. 

I did not possess the automobile during this time because it was at XXXX waiting to be picked up. I have written all of this in an email and sent it to Chase as well as a written version of this with a check XXXX {$300.00} mentioned above ), a copy of the plate return receipt, and the condition report provided by Chase. Chase claims that the Massachusetts Registry of Motor Vehicle Receipt is not sufficient proof that the XXXX was returned on XXXX XXXX, XXXX. Please help me.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MN)

I tried to send the funds to my nephew in XXXX XXXX, via Paypal on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the PayPal system required that I log on to my bank account and that failed three times when PayPal would redirect me to log in. However, I could log onto my bank account using a different browser. I called PayPal and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a PayPal problem. This had never happened before in over XXXX years. PayPal had never directed me to log into my account from their site. I ended up adding my debit card that is tied to the same bank account that is on record for my PayPal account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account as usual without using the debt card, the same transaction would have cost {$4.00}. I complained to PayPal and they have done nothing and refused to refund the difference. I feel like they redirect customers to log into their bank account so that when that fails, customers are forced to use debit cards for them to generate higher fees. For over XXXX years with PayPal, there was never direction to log onto bank accounts from the PayPal site and the fees were reasonable. Thank you. XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (NY)

LVNV funding violated a cease and desist order sending me a debt dunning letter after the cease and desist from file XXXX they are to closed and stop all collection on exempt funds at once they know I am exempt since 2014 but yet wants to keep harassing me for to pay you will never collect anything from me I am disable for life except from your debt collection stop buying bad bdebts in my name you will never collect I AM JUDGEMENT PROOF
Consumer complaint received 2024-04-08
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-04-20
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: HUNTINGTON NATIONAL BANK, THE (AK)

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. Huntington National Bank states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX  has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-04-08
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. (WV)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Called to verify that Genesis received my documents. XXXX from management was abusive in the form of unnecessary sarcasm and general disdain. I requested another supervisor- XXXX said XXXX XXXX XXXX XXXX. XXXX repeatedly made comments about how I owe the debt and they will continue to attempt to collect- my cease and desist??
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (CA)

I have been receiving harassing calls regarding a debt for which I am not liable. Despite my requests for documentation, the company has failed to provide the original contract. 

I do not have a contract with Spring Oaks Capital , LLC, and the lack of cooperation is causing distress. I request your assistance in resolving this matter promptly. 

Thank you for your attention to this issue.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc. (TX)

Hello, My concern is not being able to shop or make purchases with Afterpay through my Afterpay account due to this freeze that was placed on my account on XX/XX/2024. I made a mistake for what was said and I have apologized several times for what took place. I am sorry for what was said as I was upset about this promo situation that took place with another order. I have begged Afterpay to provide me with a second chance to allow me to shop with Afterpay and allow me access to being able to utilize my Afterpay account for other orders. I have been a customer with Afterpay for several years. Ive made my payments on time and always enjoyed using the services offered by Afterpay. Please let me know if Afterpay would be willing to allow me another chance to shop with Afterpay or what I can do to make this up. I am not the type of person that is rude or disrespectful and I apologize if thats how my actions came across. I have asked Afterpay to contact me at my phone number XXXX so that I can apologize to your company for what was said. I did not mean any disrespect to any employees or to Afterpay as a company. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (KY)

I have not been receiving monthly statements for my student loans. I also have been trying to make an online payment for over two weeks and I am able to log in but then none of the buttons work. I also tried another browser. In XXXX there was a banner that the site would be down for maintenance on XX/XX/XXXX and XXXX. I tried again on XX/XX/XXXX and still could not get in. I tried against last weekend and again today. I then had to search the internet for a contact number. I waited for a long time and still was not able to speak to a person. I did pay my overdue balance by phone, but I have no idea if I was charged a late fee because ( 1 ) I can not see my account online anymore ( which is where I have been making payments for over a decade ) and ( 2 ) I am not getting statements. I have never had issues like this with Nelnet in the past, but I find it unacceptable if I get a late charge when they are failing. 

Next, my loan payments are not even covering the amount of interest accruing each month, which makes no sense to me because Nelnet tells me the amount to pay. I have been paying my loans since XXXX  and somehow still over over half of what I borrowed. I even made payments during the pandemic. I do not understand how my balance continues to go up when I have paid over {$40000.00} in principal. I feel there have been long standing issues with my payment application, but I can not access all of my information to even do any analysis. 

Additionally, I can also not access my tax forms since the website has not been working.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I have a mortgage with Freedom Mortgage, and until XX/XX/2024 my payment remained at XXXX, now in XXXX it went up to XXXX without prior notice and when I call fredomn morgatge they say that the escrow went up, but without any other response. 


My home XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (GA)

This company is currently reporting a debt to the credit reporting agencies that is negatively impacting my credit worthiness. The company provided no notification prior to reporting this debt and did not provide an opportunity to dispute. This company has no license to collect in the state of Georgia.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NE)

I paid my charge of {$38.00} with a check. The bank says check XXXX was paid and the Comenity Bank for the Woman Within Charge Card keeps calling me for finance and interest fees I do not owe. Comenity Bank has XXXX complaints on the XXXX website and needs to be closed due to fraudulent practices.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established Metro 2 data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX  Late Payment {$1800.00} XXXX XXXXXXXX XXXX  Late Payment {$8800.00} XXXX XXXX XXXX XXXX  XXXX Late Payment {$600.00} XXXX XXXX XXXX Collection {$2400.00} XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXXXXXX Charge-off {$3100.00} XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC. (MS)

MY CAR WAS REPOSSESS SAYING I WAS BEHIND ON PAYMENTS. I PAID XXXX TO HOLD ME OFF FOR A FEW MONTHS MY PAYMENTS WS XXXX A MONTH. THEY STILL CAME AND GOT MY CAR IN XXXX OF 2022 RIGHT AFTER I PAID THE XXXX AND I WOULD LIKE TO KNOW WHAT I NEED TO DO TO GET MY MONEY BACK OR MY CAR.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

On XX/XX/ I sent a dispute letter to XXXX along with my ID I received an email on XX/XX/ that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time XXXX has done this to me. These are the dates that I sent the dispute letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX