davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (IL)

I made a purchase on XXXX using Affirm on XX/XX/XXXX for a mini computer and a blanket. I experienced issues with XXXX with this order and XXXX fully refunded the order on XX/XX/XXXX. The loan shows as having been obtained on XX/XX/XXXX, so the order was fully refunded before the loan was even fully processed. 

The order total from XXXX was {$400.00}, and Affirm required a {$100.00} down payment. I noticed in the loan agreement that Affirm actually financed a purchase amount of XXXX for a loan amount of XXXX. They are currently insisting I owe {$100.00} after professing the refund on their end. The math here does not make sense to me. 

I reached out to address the discrepancy and received a letter confirming the above. I obviously disagree that I owe anything on this loan because the purchase was fully refunded. 

I contacted their customer service help desk on XX/XX/XXXX to address my concerns and have the situation resolved. The matter is still not concluded because their representatives continue to rely on canned responses and apparently have not been reviewing the support Ive provided and the clarification Ive provided. The most recent clue that something inappropriate could be happening here is that a rep wrote me somewhat more recently that the remaining balance is actually connected to a completely different, separate loan & purchase. They didnt explain how this is possible and I certainly did not communicate that I wanted my loans adjusted in this way. 

I want Affirm to fix this. I believe they should adjust the amounts to accurately reflect the transactions that actually took place, and acknowledge that a fully refunded order means the loan must be cancelled or deemed fulfilled or whatever terminology ultimately means that Im not paying a loan for an order that essentially no longer exists. I also think Affirm should be discouraged from whatever practices led to all of this mess in the first place ; this feels predatory and intentional.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I went to Marshalls on XX/XX/XXXX. XXXX XXXX, CA. I was encouraged by the store cashier ( who was the manager ) to apply or a REWARDS CARD. I questioned her several times to make sure it is a rewards card and to make sure I did not already have an account. I then agreed to the REWARDS CARD SHE WAS OFFERING, the screen prompted questions regarding income and personal information, my social. I asked the cashier why that was needed and she says, " oh it's not for us to see but just a part of the process ''. I then ask why do you need my personal info for a rewards card? She said oh, thats just what they require but we dont see any of it. I thought it was strange and asked her again, this is a rewards card right? YES. she replied. Transaction goes through. I hand her my XXXX card for my purchase and she gives me just a receipt with nothing else. I get to my car and see the inquiry on my phone and I am now LIVID. I called immediately to the store to have them correct this as I did not agree to a CREDIT CARD, ONLY TO A REWARDS. She gives me a number and I contact the number which appeared to be Synchrony Bank, I explained the details to a rep named XXXX and they assured me that they would submit the information to the Bureaus and cancel the account since I did not authorize to become a credit card holder. Over this passed weekend XX/XX/17, I received several notifications for inquiries and new accounts via my XXXX  account. This account was opened in a misleading way. I am not nor have expressed any interest in a Marshalls credit card especially considering I have several high limit credit cards. I was lied to on what type of account it even was and need these unauthorized account and inquiry removed from my credit profile as their practice is obviously misleading and illegal. They never informed me of the use of my credit nor did they advise me that it was a CREDIT CARD i was kapplying for. I havea tried to contact XXXX and XXXX but they keep hanging up in my face unwilling to helpThank you
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount GR Holdings, LLC (WA)

On XXXX XXXX I was told the heating system was {$150.00} a month for 15 months same as cash Then on XX/XX/XXXX I received a bill for {$29000.00} but I have never applied for a loan and have yet to see any paperwork that Ive filled out for a loan or signed and the system that is in my home, still does not work. I have no heat. The system has not passed final inspection. I refuse to let them back in my home because they wanted to put another hole in my roof. They said they made a mistake the first time. I would just like to see them come and get their system out of my home and cancel the loan agreement that I never applied for this all started for XX/XX/XXXX and have been trying every since to get out of this mess
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (OH)

I have received several threatening letters from this company Discover Card the latest dating XX/XX/22, which are threatening in nature to me because they use the word attorney without actually having anything scheduled or any court hearing scheduled. They did not sell my account to a debt collection agency and when called, customer service said this is just telling me what can happen next. I understand how debt collection works but using the word attorney before actually doing anything on the account is threatening.
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VALLEY NATIONAL BANCORP (FL)

XXXX XXXX XXXX made unauthorized debits from bank account from XXXX XXXX to XXXX XXXX for a total amount of {$31000.00}. The bank was notified and requested immediate investigation and action, to stop this company to withdraw/debit money from account, and immediately close account and associated debit card. XXXX XXXX XXXX company was notified of the unauthorized multiple debits from bank account and to stop withdrawing money from this account ; and to refund immediately the total amount of {$31000.00} for unauthorized debits to bank account performed by this company.
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

I visited the ER in XXXX XXXX after being assaulted in XXXX. I am a XXXX veteran so my visit is paid by the Department of Veterans Affairs. It is currently XX/XX/XXXX and my credit report just changed due to " XXXX offices MBA '' reporting a debt. I called them and explained that this debt is not possible due to the aforementioned situation. They told me to " have the VA call them '' for proof and that they verified the debt with XXXX XXXX. XXXX XXXX does not seem to have a phone number. I'm sure this is a billing error in XXXX but I have spent approximately 20 hours trying to fix this companies error. They were supposed to bill the VA. I can not do that for them. I do not have more time to work on this.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (UT)

In accordance with the FAir Credit Reporting act this creditor has violated by rights under 15 USC 1681 section 602 states that I have the rigth to privacy ( 15 USC 1681 ( section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a mortgage account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harris & Harris, Ltd. (NJ)

Harris & Harris , Ltd., failed to respond to a written request for verification of a debt, for which they signed a receipt of the certified letter making the request. They proceeded to file a wage/income lien with my employer ( despite not obtaining a garnishment order from any court ), in addition to calling various family members and disclosing information about the debt to them.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Equifax is stil not reporting everything on my credit ... there are numerous credit card account in good standing missing yet they are making sure they report collection accounts!! I have contacted them before about this and Im tired of playing these games with them!
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio claimed I owed them debt back in 2019. They sued me- I went and represented myself and explained that I had no knowledge of this debt - they had NO proof and admitted that they did not have a signed contract etc. the case was found in my favor. Then they threatened to take it to an appeals court which would require me to hire a lawyer to navigate. I made payments on this as I did not have the money to fight them but did not quite qualify for any pro bono lawyer ( I live in a rural area ) and could not take the time off from work. I did not know at that time they had to provide what information they used to say the loan is mine or that they can not threaten legal action. 
Despite the fact that they were told that I had been the victim of identity theft in court and the fact that credit reporting laws prohibit reporting or trying to collect in this case they never deleted it from my report. I never stated I owed them money - I was just scared of getting court costs and garnishments
Consumer complaint received 2024-01-08
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 am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX  The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter.
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I'm submitting this complaint in reference to Credit Collection Services knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization / proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This new Claim is to be apart of # XXXX BOA Called me Thursday XX/XX/XXXX at XXXX to advise me that someone named XXXX ( XXXX XXXX from there Executives Escalations team would call to go over things. I have called and left numerous Voice mails for a return call and nothing and no answers still. I will continue to file a new COMPLAINT Every week if I have to, I will also give all this information to my Attorney who is scheduling a call with the XXXX XXXX this week for an investigations of an almost 7 month since the date of incident. 

_____________________________________________________________________ XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Fraud occurred on my Business Bank Account at XXXXXXXX XXXX An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/XXXX and recall wire was sent several times from XXXXXXXX XXXX  More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within 45 minute 's of happening. XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX  ) and from any recalls that have been sent since XX/XX/XXXX. Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.
Consumer complaint received 2024-01-08
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: Affirm Holdings, Inc (PA)

Affirm Inc Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Affirm Ine absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed si acopy of my Identity Theft Report supporting my position, and acopy of my Police report showing the fraudulent items related ot your company that are the result of identity theft. Also enclosed si a copy of the CFPB 's Notice ot Furnishers of Information, which details your responsibilities sa an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the Information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Ac, t that information you provided ot the CRA may be the result of identity theft. Those responsibilities include ceasing ot provide the inaccurate information ot any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account, and absolve me of all charges, take the steps required under hte Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Police Report Identity Theft Affidavit
Consumer complaint received 2023-10-01
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. (GA)

Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/2023 Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

All of the auto requests on my report have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

Back on XX/XX/XXXX there were several fraudulent charges placed on my Truist credit card. 

I reported it and some of the charges were refunded but one was not. I have called several times since to see if when there would be a resolution to this case and have been told each time that I needed to wait until 90 days after the charge was placed so that it could be " escalated '' and researched. 

I waited for the 90 days and called Truist again on Thursday XX/XX/XXXX and was told that the case was still pending - that it would be " escalated '' and that I should call back in 48 hours for a resolution. 

I called again today XX/XX/XXXX and was told once again that the case was still pending. 

I have been charged interest charges and have had my credit score affected negatively. I have expressed this stress to Truist and they keep assuring me that the matter will be resolved soon but all that happens is " escalate '' the case and note it is still pending. 

I always pay my credit cards on time, hold no balances, and have an excellent credit score so this has been particularly frustrating to me. 

I've asked to speak to a manager or someone that can help me further resolve this issue but have simply been ignored on the phone calls and told all that can be done is mark the case as " escalated '' and to call back. 

These are the details for the fraudulent charge that has not been removed : 1- Transaction Details {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Type Debit Receipt Attached No These charges occurred only a day after I upgraded some seats for a flight I had an XXXXXXXX XXXX  and my assumption is that my credit information was stolen there. 

I was issued a new card.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Selene Holdings LLC (GA)

I completed a XXXX XXXX  bankruptcy and it was dismissed. My mortgage company Selene Finance gave me a new loan of which IO have been making my monthly payments on time, in the amount of {$2400.00} for 9 months. These payments are not being reported on my Credit report and they are refusing to do so.