davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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: Affirm Holdings, Inc (FL)

I am writing to bring to your attention a matter of significant concern regarding the conduct of Affirm Inc, a financial services company. It has come to my attention that Affirm Inc has violated my rights under the Privacy Act of 1974, specifically in contravention of XXXX XXXX XXXX and XXXX XXXX XXXX, as well as related Code of Federal Regulations ( XXXX ) sections. 

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe Affirm Inc has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : Affirm Inc, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the Sunshine Act : Affirm Inc 's actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that Affirm Inc 's lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - XXXX Customer Information : Affirm Inc XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding Affirm Inc 's data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by Affirm Inc and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NC)

Apple charge card for {$5.00} late fee. Tried just paying it. Turns out my last payment was a XXXX short somehow ( I think this was incorrect ). Tried to pay it for 45 minutes both phone and online couldnt get a representative. That is sister fee anyway. The company if horrible to deal with. They just put you on hold and leave you hanging both by text and phone.
Consumer complaint received 2023-03-14
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights. 
XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX, at XXXX XXXX, I received a collections call from Comenity Bank. This is absolutely unacceptable, and is very much an attempt to skirt the law surrounding collections calls before XXXX XXXX  and after XXXX XXXX. In addition to this experience, back in XXXX ( I unfortunately do not recall the exact date ), I had to call and complain regarding a similar problem of excessive calls at inappropriate times. In addition to this problem, Comenity was also not honoring my auto-payment agreement that I had created with them. This happened not once, but THREE DIFFERENT TIMES. Each time I asked what happened, they flat-out lied because each time it was never fixed. I made sure most recently that it was set-up, and they admitted on the recorded line that it was set-up correctly but assured me that this wouldnt happen again and it would be paid automatically on XX/XX/XXXX. This did not happen, and I have now been charged another late fee that seems to have increased from last time. More over I have reason to believe that one of their employees gained access to my information for this card ( it is a Kay credit card ) and used it to purchase mens diamond-gold earrings. I came to this conclusion as the card has not left my home since I received it, and Kay themselves confirmed for me that one of their employees could not have gone in and used my card to place the order, especially since the fraudster sent it to my address as they did not have the ability to change the delivery address. This would only occur if the fraudster only had the limited access that logging in with only the card information provides.
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc. (ID)

I responded to the email and notified the debt collector to not contact me at all, because I do not owe this debt. 
They continued to email me and ignore my request for them to stop contacting me.
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (MI)

I XXXX XXXX XXXX attempted to remain in honor by tendering payment via ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount {$11000.00} in accordance with HJR-192 Public law 72-10, U.C.C 3-603 ( b ) U.C.C. 3-311 and public law for negotiable instruments to LendingPoint LLC XXXX XX/XX/2022. They accepted my instrument but did not credit my account correctly. I did call on XX/XX/2022 and spoke with XXXX from collections, XXXX from customer service, XXXX XXXX from customer service, XXXX XXXX manager from customer service, XXXX from collections, XXXX manager from collections recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for immediate investigation to rectify the situation without XXXX so they can remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices, are against the law in which our country is built on.
Consumer complaint received 2023-05-02
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. (NJ)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

Checkr background check company has financially damaged me. They have taken a paid fine and reported it on my credit report as unpaid. And it has now impacted my ability to work for XXXX. XXXX is refusing to help. There is nobody to reach a chucker. I have sent multiple emails and they even violated their own policy and deactivated me before the 10 days but they said they were going to give me. 

I have talked to the XXXX XXXX clerk, and I have proof from the XXXX as well that this has been paid and satisfied. This is defamatory and is violation of the fair credit act and I want my {$1000.00} for the violation. I want my credit report fixed. This is creating a image of me that is not true.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Paypal- This matter is to deal with Paypal and Paypal credit. 
On XX/XX/XXXX, I made a charge to a jewlery store using paypal credit inthe amount of {$7000.00}. The jewlery store could not fulfill the order and cancelled my transaction and stated they would refund the money immediately, a few days past and no refund, I contacted paypal/paypal credit to look for my refund and paypal credit filed a claim on XX/XX/XXXX and gave me a credit for the money. 

On XX/XX/XXXX i was credited as well from the merchant, At this point i was double credited and owed one of the credit back to paypal credit. I called on XX/XX/XXXX after realizing what happened to advise them to remove one of the credits and they stated they would on XX/XX/XXXX i received a email stating that they had mistakenly credited me twice and would be charging back one of the charges ( which I know I owed ) on XX/XX/XXXX i realzed a {$7000.00} charge was made on my paypal wallet ( not paypal credit where the original charge was made ) so I called paypal to have them move the charge to my paypal credit from my wallet, they said they would. 

On XX/XX/10 they re charged the charge back to my paypal credit account, but have NOT credited the money to my paypal wallet. so now I have the chage on my paypal credit account and have a negative balance on my paypal wallet as well ( being double charged I have called paypal and wait hours on hold to be hung up on and when i finally get through they state i must call paypal credit. when I do that I also am on hold for hours to be reffered back to call paypal, its like ping pong with no one being able to help I have documentation of everything.
Consumer complaint received 2023-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My loan # is XXXX with XXXX XXXX. I was in a CARES ACT forbearance. Then once the hardship was over I requested assistance plus able to move forward with my original payment amount. I received partial Claim paperwork in the mail after XXXX months, I signed in front of a notary and sent back to the loss mitigation dept plus just sent off my XX/XX/2023 payment per the partial claim paperwork. I am now receiving collection calls and received a statement for XXXX. I have tried calling teh company on my day off today their phone systems are not working, additionally i sent an email requesting if it is just a timing issue but I am very concerned about my partial claim status, losing my house, and my credit. Please help me. I have done all that has been asked of me to ensure compliance.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company (PA)

( This is a continuation of a previous complaint ) XXXX XXXX XXXX from Freedom repeatedly justified the credit inquiry on XX/XX/XXXX by providing a letter via Freedom 's records signed by the loan officer,  XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second credit inquiry. 
That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. My records show ( and I have repeatedly provided ) email transcripts between myself and XXXX, where I specifically told him a month prior I did not want my credit pulled a second time. After it was pulled on XX/XX/XXXX, XXXX stated in another email that he would have the second inquiry removed off my credit report within 10 business days. My records also display the text conversations with XXXX on XX/XX/XXXX, immediately inquiring why my credit was pulled after I was alerted to it, and XXXX stating he would look into why it was pulled without my consent. Obviously I did not give him consent on XX/XX/XXXX, and XXXX was aware of this, as seen in the text conversation that day.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

On XX/XX/23 I received this email : " Hello, XXXX XXXX XXXX PayPal Your PayPal account is currently limited - We recently asked you to take action on your account, and we haven't received a response. 
Why is your account limited? 
We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we need more information from you. 
To help keep your account secure, please take action on your account. 
We've also temporarily limited certain features in your PayPal account. 
Currently, you won't be able to : Send money Withdraw money Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. 
This will apply to all existing and future cases you receive. 
What should you do? 
Log in to your PayPal account and perform the required tasks. 
XXXX XXXX to PayPal What happens next? 
Once you've finished, we'll review and get back to you with the status of your account within XXXX business days. 
Thanks for taking care of this. 
PayPal '' On XXXX, I submitted all requested documentation, and I received this response. 

" Your information is being reviewed The information you submitted is currently being reviewed by PayPal. Once we complete our review, well get back to you regarding the status of your account in XXXX business days. 
Thank you for your patience. '' As of XX/XX/23 I had not heard anything from PayPal and my funds were still frozen. 


On XX/XX/23 at XXXX ( XXXX ) I contacted PayPal and was told " the system failed to move my account into the correct queue for review. The rep was moving at that time, and I would get a response in XXXX hrs. 

As of XX/XX/23 XXXX ( the time of this complaint ) I have had no response and my funds are still frozen.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-07-13
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. (FL)

I have sent letters to the 3 credit reporting agency 's asking them to show me how they verified a debt for disputed debts they always responded " verified by lender '', when the creditors themselves dont respond to debt verification the accounts I asked where is the verified debt information they received so I may validate the claims. None of the credit agents have responded. It has been over thirty days
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (CA)

first progress had XXXX account # XXXX # XXXX acct # XXXX that they alleged that i owe i ask them to send some type of agreedment i had with them in they sent paymnent history i do not owe this debt please have them to verify the debt i also made a call with the company they transfer me to relant collection when the rep had a very nasty attitude as i told her i want them to stop cease and assist any reporting she than said 1st progress has the debt but not collecting in it and she has no knowledge on the above references hung up on me please help me to related the messages to show proof of the debt. also to remove all information i sent a ftc report in a police report they did not hornor.
Consumer complaint received 2024-03-22
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

Chase closed my personal checking account and credit cards without prior notice in XX/XX/2023 and froze my assets for approximately a month. When Chase finally released my funds back to me Chase withheld {$19000.00} saying a certain XXXX deposit into my account from a third party LLC ( the " third party '' or the " Originator '' ), which I received regular quarterly distributions from for the past three years, did not belong to me due to the Receiver Name on the ACH not matching my name on the checking account. The XXXX of the XXXX made an error titling the Receiver Name which should have been for myself personally. 

Chase ( compliance department ) said due to my account being suspended/closed the Originator of the ACH would need to request an ACH reversal through their bank ( XXXX XXXX Bank ) to get the funds back from Chase. The Originator requested an XXXX reversal for the amount of the deposit mentioned above which Chase subsequently rejected. When I contacted Chase again to ask them what needs to be done to recall the funds from my account Chase said the third party 's bank would need to submit a letter to Chase outlining the deposit and request an XXXX reversal. The third party 's bank submitted two ( 2 ) letters to Chase requesting the funds be returned, both which we denied ( see attachment ). Alternatively, Chase has given me no solution or option to work with the third party and their bank to amend the Receiver Name on the original XXXX deposit into my account which would allow the funds to be released to me, the rightful owner. 

After multiple calls with Chase spanning multiple hours, Chase has lied and failed to provide me an answer how to release the funds that are still in my personal checking account.