davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

Affirm has violated FCRA rule, 611, section A Affirm has violated FCRA rule, 623 Affirm has continuously reported my financial history with their company incorrectly, and failed to adhere to the federal rules and regulations of reporting consumer credit history. Several guidelines have been violated in my case. The section below will explain in depth. 



Affirm originally charged off my accounts between XX/XX/XXXX, and XX/XX/XXXX. After that time, they obtained an agreement with XXXX XXXX XXXX agency, and sold my account to that specific company to collect on the debt. This was never reported to the credit bureaus at any point. Originally on XX/XX/XXXX, again on XX/XX/XXXX & XX/XX/XXXX ( Letter Receipts Attached ) I disputed this matter with the credit bureaus and never heard any response from the credit bureau or Affirm on this matter. Then on XX/XX/XXXX, Affirm decided to adjust the amount owed on my account to reflect the payment that I made to the collection agency XXXX XXXX. At this time Affirm was still in violation of my rights and violating the agreement that was made with the collection agency to settle for a lesser amount in order to have the account reported fully paid and settled ( Agreement and Payment Receipt Attached ) I called Affirm and discussed this matter and my case was not resolved but closed and dismissed. ) Affirm violated FCRA rule, 611 by not changing the status of my account with the credit bureau to a disputed status After 30, 60 or even 180 days of my original dispute. That is a clear violation of FCRA rule 623 on several occasions. They also did not adjust the amount of the charge off to a XXXX balance, according to US tax code 166.. 



If Affirm does not remove account numbers : XXXX XXXX XXXX XXXX XXXX From my XXXX credit report immediately I will be filing a civil suit in the XXXX county clerk of courts on XX/XX/XXXX.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am lodging a complaint once again to notify you of an incident of identity theft that I have encountered. I accessed the FEDERAL TRADE COMMISSION website at XXXX : XXXX and initiated the process of filing an identity theft report. Pursuant to FCRA XXXX XXXX, XXXX XXXX XXXX are mandated to expunge any entries indicated on an identity theft report with reference # XXXX. Enclosed are the documents supporting the removal of inaccurate information that is currently appearing on my report. The following are the items that are not associated with me or were opened without my authorization : -- -- -- -- -- -- -- -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to eliminate any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft within XXXX business days of receipt.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I received a text message and an email from chase, telling me that action was required and that my account was restricted and may close soon. I immediately called chase and was told they could not give me a reason for the closure and that there was nothing I could do. I informed them that my payroll department had already submitted my direct deposit and it was set to hit my account on XX/XX/2024. They told me that it will not show in my account until 2 business days after the initial deposit date, and at that point I would have to visit a Chase branch and speak with a banker to see if they could give me my money in person. 

I called chase at number XXXX yesterday because I saw my direct deposit hit my account and I just wanted a refresher on what I was to do to get my money. I spoke to a gentleman who told me the same thing I was told previously, except he told me the check for the remaining balance in my account would be sent sometime around XX/XX/XXXX, which I dont understand, I already had to wait 2 business days after my direct deposit hit, and now I was told I would have to wait longer. I was pleasant thanked him for his explanation and ended the call. 


Today XX/XX/2024, 3 business days after my initial deposit date, I did what I was instructed and I visited my local chase branch and all they told me was that chase decided to end their relationship with me and that I would be receiving a cashiers check in the mail in about 11-16 business days. I can not wait that long I have several bills and rent due and its not fair I havent done anything wrong. I did nothing wrong I need my direct deposit as soon as possible.
Consumer complaint received 2024-05-01
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: Incomm Holdings Inc. (IL)

XX/XX/year> We contacted Vanilla Gift to open a case because the {$500.00} Vanilla pre-paid visa gift card we purchased was not working. 

XX/XX/year> They opened a case. We called back and sent our documents to an email address they gave us, and they told us to wait a few days. 

XX/XX/year> We called them again, and they told us they did not receive our email. A second email address was provided so we sent it again to this new address. This time there was an automated email saying mail received. 

XX/XX/year> We called back to check if they got anything, but they still said no. We complained about their email not working, and they promised to escalate our case. 

XX/XX/year> We called back and found out our case was not escalated but was instead closed due to 'inactivity '. They gave us their fax number, but we found out the fax was offline even during business hours.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (IN)

I contacted Bridgecrest to see when the vehicle would be sold and my credit reporting updating for the amount I'm responsible for and I have not received the amounts or any information regarding this request. I do not owe the amount show and want this removed due to inaccurate information on credit report and it as a voluntary repossession due to lost of job ( due to health reasons ) and they put involuntary.
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XX/XX/XXXX, my homestead property was judicially sold to satisfy the unpaid balance of a promissory note I had executed in favor of XXXX XXXX XXXX back in XXXX, XXXX. 

The then-current holder of the Note was XXXX XXXX XXXX XXXX XXXX XXXX, the trustee was XXXX XXXX, XXXX, and the servicer was XXXX XXXX XXXX 

As of the sale date, the unpaid balance of the Note was {$680000.00} inclusive of unpaid interest added to the principal under the terms of the Note. 

However, according to the XXXX 's records, a withdrawal of {$60000.00} had been made from my loan account in XXXX, XXXX without my knowledge or consent. This artificially increased the loan balance to {$740000.00}. And when the loan was liquidated in XX/XX/XXXX, the XXXX recorded a prepayment of {$760000.00} and reported a {$25000.00} gain.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report.I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have never given my consent and feel that Im a victim of identity theft from the following companies : Transunion, XXXX, and XXXX. I ask that these situations be resolved.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (GA)

I am no longer able to afford the monthly payments for this loan. I contacted them on XX/XX/XXXX to advise I could no longer afford the payments and inquired about a refinance for lower rates. I was told I did not qualify and there was nothing they could do. When I opened the loan back in XXXX  2022 I was told I could refinance within XXXX year of the loan. This is not the case and BHG has provided no financial support. I do not receive monthly loan statements and feel as though I was pressured into taking this loan to pay off credit card debt rather than support my business. I was not fully educated on how the repayments work with regards to interest and amoritization. The loan was structured around my business but I was told it was for debt consolidation.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank falsified information in my last complaint, they said they did not have an account open for me past XXXX when they did have an account for me as late as XXXX because they froze my account in XX/XX/XXXX and violated my XXXX by holding on to my funds for at least XXXX  days before sending the balance to their corporate offices to send me a check closing out my account. I feel like I was being retaliated against because I sued them for violating my FDIC in XX/XX/XXXX. May I add, I have not received the settlement check for XXXX XXXX dollars that was erroneously sent to an attorney XXXX XXXX XXXX whom I never signed a contract with because he was not a Federal attorney at that time. I've been patiently waiting for XXXX years and even filed fraud charges in XXXX XXXX XXXX and filed a complaint with Bank XXXX XXXX where he deposited a XXXX party check having someone forge my name. XXXX XXXX XXXX what's Chase Bank to start an investigation with them. Thank you in advance for all of your help.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

Apartment complex, XXXX  @ XXXX in XXXX, GA, claims to have billed me for a cleaning fee of {$470.00} after I moved out. Upon move out, at their request when returning all keys, they were provided with a forwarding address to send any future correspondence. I never received any bill for this fee of {$470.00}. 60 days after moving out, I received a collections bill at the provided forwarding address. This was the first and only correspondence I ever received about this cleaning fee. 

I asked the collections company to verify this bill was legitimate as I was never billed directly by the rental property. They sent me a generic copy of a lease agreement that was unsigned and had no information related to my rental agreement. Further, I directly called the rental property to ask why I was never sent a bill for this fee and it was sent directly to a collections agency without giving me the chance to first pay them directly. 

Collections Agency : National Credit Systems, phone number XXXX, account XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from you. You have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : BankruptcyXXXX Case Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX - XXXX XXXX of inquiry : XX/XX/XXXX
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I recently reviewed my credit file with XXXX, XXXX, and XXXX XXXX and noticed that there has been several accounts reported as a charge off. According to the IRS an unpaid charge off is considered as income, By law according to the FCRA income can not be reported to a credit file. Since the creditor has filed a 1099C ( Cancellation of debt ). The accounts should no longer be reported on my credit file. I have disputed this matter with the creditor and the XXXX credit bureau 's and the accounts seems to remain. Any assistance you can provide will be greatly appreciated, I have provided the creditor and the account numbers below, XXXX XXXX XXXX Account Number- XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX Capital One Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

This company is contacting me stating that I owe them money but I dont have a contract with them nor have I ever signed anything or agreed to anything. They are unable to provide proof of debt and or anything viable proof that own them.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On friday XXXX I got my check deposit and since then is on hold need to pay bills and food try to call the law firm that put on hold the account no answer and didnt received any documents of this garnished try to get help to release some money to get some food and pay some bills before I get late payments and need money at this time.
Consumer complaint received 2021-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DOAN SOLUTIONS (MN)

A scam company, XXXX XXXX XXXX XXXX, is calling those with existing loans and claiming they have a special deal for a limited time that only a select few have been chosen for. The number provided is a dead end # XXXX and XXXX.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

On XX/XX/, a payment was made at the Macy 's location in XXXX XXXX to pay the account in full. I received a receipt along with the cancelled check used, but the payment was not applied. I received a notification over a month later that the payment was not applied. I submitted another payment at the same location on XX/XX/ for the full amount again PLUS additional fees and interest. Again, I received a confirmation along with the cancelled check. But they did not apply the payment again. After speaking with the credit card issuer, I submitted yet another payment along with their guarantees the fees would be removed and the credit report information would be updated. However, no update to the credit report was made and it is still showing delinquent.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Huntington Debt Holding LLC (KY)

I recently pulled my reports and noticed a company by the name XXXX reporting incorrect information on my credit profile. The alleged debt was sold to a company by the name of HUNTINGTON DEBT HOLDINGS LLC. The debt has two different open dates, XXXX is reporting That I opened this account XXXX while XXXX is reporting that I opened this account XXXX Because the open dates being reported by XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richard J. Boudreau & Associates, LLC (NH)

I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Richard J. Boudreau & Associates ( collection attorney ). 

My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. 

I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. 

I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, Could you please remove account ( attached to identity theft report ) - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, as this is not my account, I've tried to reach out to the company itself but Im unable to reach anyone via phone. Please remove this from my credit report immediately as this account is affecting my credit score. Also, please remove the unauthorized inquiries attached to the identity theft report as well.