davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX I received an email from a company called Affirm. They congratulated me on opening up a savings account. Which I never did. I have used this company in the past to finance, my peloton and my annual ski pass. However, I never opened up any other accounts with this company. Not only did someone open up a savings account, they used my bank account on file the transfer {$1000.00} from my personal checking account to the savings account without my permission. I noticed this immediately that they were attempting to do this, and I called affirm on XXXX  morning, XX/XX/XXXX and notified them of the fraud and the problem. While I understand, these kind of things happen on a regular basis, the reaction was pathetically weak, and they did nothing to stop the fraud and the theft. They were notified that this was a fraudulent transaction, that I did not open the savings account, and they needed to close the account, the response was they could not close the account because there was a pending transaction. Which is ridiculous. So in fact, they assisted in stealing {$1000.00} from my personal checking account, my guess is that this is somebody that works for affirm that committed internal fraud. Because to get into my account, you need my mobile device in hand the ability to get a text message and also an email with different passcodes at each section. Their response has been incredibly weak. I put in a block with XXXX  XXXX XXXX to stop the transaction however I did not have enough time as Monday afternoon. My account was debited for the {$1000.00}. Wow, I understand these kind of things happen. Their reaction was not near fast enough to be able to prevent fraud. In fact, they enabled the thief to steal money from me. And are doing nothing to resolve the situation. They did lock my account down. They are in partnership with cross XXXX XXXX, who I also notified of the issue this morning, and I gave them the account number for the account that was generated by the fraudsters within my Affirm account. And asked them to shut that bank account down and of course they did nothing either. So right now there is a debit from my bank account for {$1000.00} and these XXXX XXXX  did nothing about it. XXXX XXXX is the CEO of this company, XXXX a billionaire and he is facilitating theft and fraud.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Alessi & Koenig, LLC (AZ)

In XXXX of 2012, my house was sold out from under me by Alessi & Koenig Collection agency for XXXX in an HOA foreclosure.. This was done in violation of the FDCPA and against my constitutional rights. I had already made a payment arrangement with this company ( they had added on over {$2000.00} in additional fees for a debt that was originally around {$380.00} ) and remained in communication with them. I was also a few days away from a short sale approval on the property. They sold the property anyway ; leaving me with a mortgage of {$230000.00} for which I receive a statement every month. With no final communication apprising me of the actual date, the property was sold at an auction held in their offices with no recourse left to me. The home has been rented out for over three years and the assessments to the HOA are still not being paid, which was the reason they claimed the right to the house in the first place. I have attached emails with written confirmation of the payment arrangement I made with XXXX XXXX XXXX, who I was working with. I found out later that she had left the company in the interim and no one else would ever answer my calls.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

In summary, due to the multitude of inaccuracies reported by these furnishers to XXXX, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XX/XX/ and the furnishes and/or XXXX added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Mohela refuse to acknowledge that I am owed a student loan payment refund under Borrowers Defense Sweet XXXX XXXX XXXX XXXX Mohela has not sent me a financial report regarding my BD refund. My loans were discharged by Mohela on XXXX. Mohela has yet to send the refund of all the payments I made on my federal loans to include being refunded the interest. Mohela has also made mistakes on my credit report. I have disputed my credit report more than three times. The student loan tradelines are supposed to be deleted.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, incomplete and not adhering to compliance standards. According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Equifax have on file for me doesn't match what's listed, then there are problems with either Equifax records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Equifax must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. Therefore, this account must me removed from my report.
Consumer complaint received 2022-12-19
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. (NV)

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I WAS IN A XXXX XXXX XXXX, I WAS TOO SCARED TO DO ANYTHING. AT THE TIME HE SAID IF I WENT TO POLICE HE WOULD RUIN ME BUT I NEVER KNEW WHAT HE MEANT BY THAT. I FINALLY TOLD MY FRIEND WHO IS AN OFFICER WHAT WAS GOING ON AND THEY REPORTED IT. FROM THERE, I LET HIM KNOW AND HE DISAPPEARED. I NEVER WOULD USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT INQUIRIES : 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 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 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  XXXX bankruptcy in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (TX)

I applied for a personal loan for the amount of {$6000.00} with Upstart on XX/XX/2022, XXXX XXXX. My loan was approved on XX/XX/2022. Subsequently, I tried to accept the loan on XX/XX/2022 in the XXXX and was denied based on the hard pull that was done on my credit file after my acceptance of the loan. The reason for denial included in the adverse notice was " monthly debt obligations increased by more than XXXX XXXX of total verified income or {$200.00} since application. '' I called Upstart to understand what changed over the weekend as I knew for a fact that nothing had change to which Upstart wasn't able to provide me any further explanation or facts about my monthly obligations during the application and post approval of the loan which was provided as a reason for declination on the adverse notice and asked me to contact XXXX and XXXX to obtain clarification. I reached out to both the credit bureaus and confirmed that nothing had changed in my credit report/file between XX/XX/2022 to XX/XX/2022. I also have copies of my credit report from XX/XX/2022 and XX/XX/2022 which confirms that nothing changed. I have talked with the team lead as well at Upstart and she wasn't able to provide me further explanations or rationale of their decision other than what was mentioned in the adverse notice. She kept on asking me to reach out to credit bureaus to obtain further clarification ( which i had already done before talking to her and mentioned it to her ). As such, I strongly believe that the declination reason provided by Upstart is inaccurate and my application was declined incorrectly and inappropriately and/or Upstart is unable to provide me detailed explanation to me of their declination decisions which I as a consumer is entitled to under the Equal Credit Opportunity Act ( ECOA ). As such, this demonstrates their failure to comply with ECOA as well.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I recently received temporary letters of administration for my father 's estate in XXXX XXXX, the estate of XXXX XXXX. 

Residing in XXXX, I was required to open an estate account within XXXX XXXX XXXXXXXX. Representatives from the XXXX, XXXX branch of Bank of America, including the Financial Center Manager, assured me they could facilitate this. They mentioned a memo about their ability to open accounts in another state. 

On XX/XX/, I visited the local XXXX branch with all necessary documentation to open the account. The branch representatives confirmed they could provide online banking access, enabling me to manage estate liabilities and receive rent from estate properties. I deposited a cashier 's check for {$1000.00} into the new account. 

However, upon returning to the branch on XX/XX/, I was informed that while the account had been opened, XXXX XXXX  legal advised that they could not provide online access or check-writing capabilities. They restricted the account to deposits only. I explained the misunderstanding regarding court documents, emphasizing that distributions from the estate require a court order, but liabilities, as per estate law, must be paid from the estate account ( opened with an estate EIN ). This distinction seemed lost on them. 

I facilitated an email communication between XXXX XXXX and my XXXXXXXX XXXX estate attorney, who expressed surprise over this issue, having not encountered such in her 15 years of practice. The attached email correspondence details this interaction. 

Consequently, I traveled to XXXX XXXX and successfully opened an estate account with XXXX, complete with online access and a debit card. Similarly, XXXX XXXXXXXX XXXX opened another account with checking privileges for me. After returning to XXXX, I contacted the Bank of America branch manager via email to close the account and transfer the funds. They responded that a court order is required for this action. 

This situation is particularly frustrating as my XXXX  XXXX attorney 's fees are {$500.00} per hour. Bank of America 's insistence on a court order to close an account, which they initially claimed could be opened in New York from XXXX, is unreasonable. They currently refuse to release the funds to the estate. Attached are the court documents, instructions from my estate attorney, and the Account Rates Review from Bank of America detailing rates in XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I wrote in to request that Barclays/AAdvantage Aviator Red Mastercard reach back out to the credit bureaus to notify them that the recent 30 days past due status of my account was reported in error for 4 main reasons : First, the initial charge was made by XXXX of {$17.00} using this card as a backup to my primary card. In conversations on XX/XX/, a representative of AA  related to the XXXX charge told me that there was some sort of error processing this charge to my primary card, so the charge went through my XXXX XXXX to charge this card because it was somehow associated with the business ecosystem of the card. They informed me that they do not know what the error with my XXXX card ( my primary card ) was and can not explain, but they are happy to move the charge over to that card. I explained to them that the damage had already been done and that this had caused a very grave impact to my credit score. They told me to let them know how they could help. Please let me know if you would be willing to speak with XXXX XXXX. 

Second, because I was unaware of the charge being made to this card, I didnt make any attempts to pay the amount, but as a backup measure, I felt assured that my auto-pay function would pay off any charges that did happen to hit my account including perhaps random fees or errors. In my initial conversation with representatives about this issue, I was told that they could not figure out when I called in to set up my auto-pay because they could only see an online payment for my first card payment. I went through my phone records and found what I believe to be the call where I set up autopay on XX/XX/XXXX 

Third, given that autopay was either not completely set up or not set up at all, no payment was made. Over the next 30 days, I do not believe any attempts were made to contact me. In my phone records which I sent them, one can clearly see there are no calls made from the number I was told by the Barclays agent that I would have received a call from ( number here ). Furthermore, I was also told that my e-mail address had been mistyped by Barclays representatives as XXXX instead of the correct XXXX, so any email notification that was sent was ultimately sent to the wrong address. I did previously receive many marketing emails to the correct email address as late as XX/XX/ and now that my email address has been corrected, I am again receiving updates, but for the critical period in question, I received no account-related updates. 

Had these errors not been made OR had a notification been sent to my phone or any kind of text message, I would have known the charge had been made and not paid. 

Fourth, upon finding out that this money was unpaid through a flag in a credit monitoring app ( XXXX XXXX ), I paid it within 3 minutes, hoping that both Barclays and the credit bureaus could see that this was all related to errors as opposed to non-payment, however apparently I was too late.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (LA)

Per FCRA as a federally protected consumer, I am now Opting Out of Any and All authorization I the consumer may have given you written or non written, verbal or non verbal per 15 USC 6802. I would also like too add 15 USC 1681, all the 31 address on my credit report needs to be removed. The Discover Company is disclosing my utilization which is private information with that being said that is considered violation of my privacy which is 16 CFR 433.3. I'm not closing any accounts just want to update my credit report. It is a {$1000.00} fine for each violation. There seems to be many on my report.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACS Education Services (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on my credit report.
Consumer complaint received 2023-12-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: RAM America, Inc (MO)

My name is XXXX XXXX and my account number is : XXXX. I am disputing the charges that is being taking out of my checking account for {$250.00} because its not helping to pay for the loans that I applied for. I am still receiving calls and threats for the accounts to be sent to legal representation regarding non-payment of loans. 
So I really would like to stop these proceedings so that I can try to clear these debts up on my own. 
Thank You, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF ON XX/XX/2023
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (NY)

There are companies I do not recognize running daily Inquiries EVERYDAY for more than 2 years whom I have not solicited nor given permission to do so, there are several misspellings of my Name, several inaccurate addresses, there is also the issue of the companies Experian, XXXX, and XXXX XXXX furnishing information in my credit report to the public without my written permission.
Consumer complaint received 2022-12-19
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: Credence Resource Management, LLC (MS)

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 1692 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

Also your company only has a license to collect debt in 11 states. Those states are : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Remove this account immediately!! 

Sincerely, XXXX XXXX