davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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: Affirm Holdings, Inc (NJ)

I used loan whit affirm, I buy vacation packages by XXXX result is mistakes in my reservation XXXX never removed and cancellation because I call affirm and dispute and not make nothing, but affirm persist said I duet but I never used this reservation.. I will cancel and money back. 

XXXX I used affirm but watch XXXX, used XXXX XXXX and this XXXX sold me a fakes XXXX  and I investigate whit XXXX  and said I need my money back and I call and dispute whit affirm send all my proof and affirm make nothing and persist duet I dont any duets but I dispute transaction for fraud For both affirm damage my credit
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (PA)

I received email from True Accord about a debt, that wasn't mine, was discharged in XXXX, and the debtor died last year. This company doesn't do any verification and is harassing me without any legal standing.
Consumer complaint received 2024-04-13
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. (TX)

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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MN)

In XXXX of XXXX I received a bill for {$8.00} which did not indicate any past due balance or what the charges were for. It was such a small amount that I wrote a check and sent it in the mail and did not question it further at that time. About 7-10 days later I received a letter from the creditor that finances Best Buy that my credit line was reduced from {$5500.00} to {$350.00} on my Best Buy Citi Card ending in XXXX. I tried calling the number on the letter and I was in an automated phone trap. I tried looking up online a better number and spoke to a customer service representative after several attempts. I explained what happened and they suggested to make sure the {$8.00} payment was received to pay over the phone. I paid over the phone again for the same invoice I previously sent the check for. I informed the customer service representative I did not receive any other statement or invoice requesting payment for {$8.00}. He stated it was for {$3.00} and that was past due. I said I did not receive any bill or notice a charge was on my account or any balance was due until the {$8.00} bill that was for a second charge of {$3.00}. I did not receive any billing information since XXXX of XXXX showing my payment or identifying any new charges or activity. The credit card company proceeded to report {$3.00} as 30 days past due and reported the credit line decrease although I informed them that I did not receive any invoice previous to the {$8.00} and that I did not authorize the charges. I am a small woman owned business owner and my credit score greatly impacts my ability to do business and it also causes increase costs for insurance and interest rates, etc. I have a 27 year credit history with absolutely no late payments or any negative remarks until this. I have asked them to remove it and I am being ignored so I filed a dispute. I would like my credit history restored to excellent and my credit line restored and the unauthorized charges to stop. Any charges on my account I expect to receive the invoices/statements and that is not happening. I have also contacted Best Buy directly and notified their corporate office of my experience as a Best Buy Credit card holder and consumer/customer since XXXX and I have never had a payment late history. I was not called, emailed or communicated with until after XXXX and a full billing cycle was missed and the damage was already done. This is extremeness and their actions have caused harm to me by damaging my credit history.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VT)

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 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

Repeated misuse of posting transactions at XXXX. Constantly posting transactions based on their discretion so that customers never are sure of the accurate amount of money within their checking account at any given time, allowing for higher probability of overdraft fees and other issues to occur.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

XX/XX/XXXX On or about XXXX I made a deposit at M & T Bank on XXXX XXXX XXXX in XXXX XXXX XXXX. the amount of the check was XXXX from my pension plan. Check # XXXX drawn on XXXX XXXX XXXX XXXX. ( disbursement account ) after signing the usual documents ( personal information etc ) This account was deposited to my checking account with M & T Bank. When I got my first statement I was surprised to find my check deposit documented as a cash deposit ( instead of a Check Deposit ) about weeks I contacted the bank and came into see why this occurred. I was told by then branch manager this was not an issue because it is documented as a " trust fund '' .I immediately disagreed and again asked that my documentation of the transaction deposit of these funds be corrected. She refused. Later in the year, I wrote the bank again about my concern, that my account appeared to be a large cash deposit ( which it was-in a check ) It took me several months before I got an answer-sort of. I received a brief note stating M & T Bank could not change transaction but was sending me a copy of the check deposited to them This would not be a CHANGE but a CORRECTION.. Also they claimed I didn't open this account until XXXX, also not true. I asked for documentation ( via letter XXXX ) never got a response. ( there may be a another reason why for that ) At any rate I am in need of honest reporting of my deposits ( other deposit fail to identify the source of my deposit as well. MT has been extremely uncooperative in not granting me something that should have been documented appropriately in the first place. Visited a XXXX XXXX -- XXXX XXXX, because I had l misplaced my ATM card- I mentioned my issue about the inappropriate documentation at that time ( at another branch ) and she was of no assistance either. Telephone contacts have been cordial and response to my online inquiries have been the same. I need for M & T to make me understand why my deposit is documented the way it is. There are accountable issues that may require professional accounting and I am not able to access my account. now!!!
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

At the time that I applied for the car loan I was gainfully employed how ever I became totally XXXX and was unable to work due to my XXXX  reach out to ExeterFinance to come up with a plan they told me they would get back to me and the next communication was a letter stating that they had written it off then sold the account to another person or bank
Consumer complaint received 2024-02-28
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: TriPoint Lending, LLC (TX)

According to my agreement, I built up a balance of payments ( {$430.00} a month ) in XX/XX/XXXX. They settled a debt with XXXX XXXX at 50 % ( {$9400.00} original balance settled for {$4700.00} ), paid the company {$200.00}, and took out the remaining balance of the account to cover their 25 % fee. It would then be another approximately 4 months before enough would be accumulated to settle another account. 

The goal of this company is profit NOT settling or actually helping their customer or providing value. The fee amount and timing is set out in the contract, but we are only given a few minutes to sign over the phone. I read the agreement after the call, but I never believed or even thought they would pull it out BEFORE settling other debts. I find this approach deceptive at best. They are taking advantage of desperate customers. 

In addition, in numerous phone calls they kept telling me they had contacted several companies. I have now called those companies, and NONE reported receiving communications from XXXX. I was sent a consent form to sign so that they can speak to XXXX XXXX on XX/XX/XXXX, FOUR months after my agreement was signed. 

Finally, I requested on those phone calls ( 5 times total ) information be sent to me on where to lodge complaints. I never received anything in writing. Verbally, the only place they referred me was the XXXX  XXXX XXXX. they maintain a top rating with the XXXX, and refer to it extensively in their sales pitch. in the final call the person mocked me for not using XXXX to find the contact information for the CFPB.
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2023-08-26
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. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (MS)

In XX/XX/2022, we made a phone call to Roundpoint mortgage to find out how much we needed to pay so that we could drop our PMI. We were told an amount and paid extra at that time. When we called back to see why we had not noticed PMI drop off of our Bill, we were told that submitting to have PMI removed was not enough, but that now we had to have our property appraised. This was not in the agreement when we signed the contract to purchase the house. We submitted the form to have it removed, but every time we called, we got a different runaround, as if no one really knew what to do. At one point, we had a lul in calling because we were exhausted over the process. No one would return our calls and the whole process has just escalated. 
Finally, this last week we received notice that PMI had been dropped. 
After spending a long time on the phone with someone from Roundpoint today, I feel its only right to reach out to you because I feel we have been done wrong. I feel we should be reimbursed for the many months of paying PMI after we had done our part to drop it. The customer service has been less than and after my conversation today, I realize this whole process has been about money. We have never been late on one payment. We would appreciate any advice or help we could receive. Thank you so much.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Affirm Holdings, Inc (TX)

We own a company with a business checking account. We noticed withdrawals from our business checking account that were not authorized. These withdrawals were from a company named AFFIRM ( apparently a buy now pay later credit company ). 

Apparently a customer of AFFIRM illegally linked their AFFIRM credit card to our business checking account. How this can occur without any safeguards at AFFIRM is still a mystery. These transactions occurred from late XXXX into XXXX and totaled about {$10000.00} We notified our bank of these unauthorized transactions and they reversed many of the charges. 

We have also been in contact with a XXXX XXXX at AFFIRM and he too has returned " MOST '' of the charges to our account. 

However, we are now down to 4 transactions that our bank has tried to get back and AFFIRM has attempted to return but for some strange reason both banks " allegedly '' keep rejecting the transactions. 

It is very difficult to talk to anyone at AFFIRM in person because they won't release their phone number, they are extremely slow to respond to emails. 

I have copied both their CEO and CFO and they too do not respond. A XXXX XXXX and XXXX XXXX. Their emails are XXXX XXXX XXXX and XXXX XXXX XXXX We have now been dealing with this issue for 2 months and it is still not resolved. 

Someone needs to look into the security measures a company like AFFIRM have in place to ensure an account holder can not link their AFFIRM credit card to a completely unrelated business checking/savings account.
Consumer complaint received 2023-11-26
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: NAVY FEDERAL CREDIT UNION (FL)

On XXXX XXXX XXXX I contracted with XXXX XXXX XXXX XXXX XXXX XXXX, for Legal Services and used my navy federal credit card to make payment. This charge ended being fraudulent as the merchant did not provide any services I paid for. I have tried to contract them for many months and they have ignored me. Navy federal closed my dispute without providing me the opportunity to provide more evidence of my attempts to receive a credit from the merchant -- however, this is fraud and Navy Federal states in their website they have a Zero Liability policy for fraud backed by Visa ( the issue of my card ), which is this case. I am attaching the latest communications with the merchants where it is clear they stopped responding to my and have lied about resolving this case.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

re : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is to request you to remove inaccurate information from my credit report. Such inaccurate information has affected my chances of getting loans and credit. For your convenience, I have supplied a list of inaccurate accounts below. 

I hereby request you to make the changes within 30 days so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report at the earliest. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2023-09-03
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: Nelnet, Inc. (TX)

I have recently paid off my Student loan debt and I need that to reflect on all 3 Credit Bureaus. Below is the proof of Payoff not only from the IRS but Nelnet Inc. themselves.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, Ct,XXXX  ( XXXX ) XXXX XXXX XX/XX/2024 JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX Re : Disputed Debt, Consumer Rights Violations, Request for Validation, Revocation of Communication Consent, Licensing/Bonding Request Dear Jefferson Capital System and Consumer Financial Protection Bureau , I am writing to dispute any and all alleged debts that Jefferson Capital System claims I owe. I am also formally filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as I believe Jefferson Capital System is engaging in practices that violate my rights under the following consumer protection laws : * 12 CFR 1006.34 ( b ) ( 5 ) : ** Prohibits debt collectors from misrepresenting the amount of debt owed.

* 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** Prohibits debt collectors from communicating or threatening to communicate false credit information.

* 12 CFR 1006.34 ( d ) : ** Prohibits debt collectors from using obscene, profane, or abusive language.

* 15 USC 1681-S2 ( 7 ) ( A ) : ** Prohibits debt collectors from misrepresenting themselves as associated with any governmental unit or administration *Revocation of Communication Consent* I am hereby revoking all previous consent for Jefferson Capital System to contact me via email, text message, or telephone. In accordance with my rights, any further communication must be done in writing via the United States Postal Service.

*Debt Validation Request* Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Jefferson Capital System provide the following information to validate this alleged debt : * The name and address of the original creditor * The original amount owed * A detailed breakdown of how the current amount was calculated ( including interest and fees ) * A copy of the purchase agreement between Jefferson Capital System and the original creditor *Licensing and Bonding Information* I also request that Jefferson Capital System furnish proof that it is properly licensed and bonded to operate within the state of Connecticut.

*Formal Complaint and Further Action* I believe the actions of Jefferson Capital System constitute serious violations of my consumer rights. I intend to pursue all available legal remedies if Jefferson Capital System does not immediately cease its unlawful collection practices, remove any inaccurate information from my credit reports, and provide the requested information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-15
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. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo case number : XXXX Account number ending in : XXXX I opened the account with the code from the email that promised a {$520.00} bonus XX/XX/XXXX. I deposited the required amount on the same day. I was informed that the bonus would show up in my account within 5-6 days of opening. I was also told that the branch offered a special interest rate bonus ( around 4 or 5 % APY ) that would be applied at the opening and reflected in my account within XXXX weeks. I opened the account on XX/XX/XXXX, but neither bonus appeared in my account. I could not get an explanation by calling the 1800 number or the branch in XXXX. 

It is XX/XX/XXXX today, no bones nor special interest rate applied to my account, no one can tell me if there the bonus code was applied to my account or if that is a complete scam. I have email conversion I can forward over.