davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (OH)

On XX/XX/2024 I agreed to a settlement with debt collection agency XXXX XXXX that was working on behalf of Affirm to collect on XXXX different accounts I had with them. XXXX XXXX and I agreed to a debt settlement on both of my Affirm accounts, meaning that I pay a percentage of the amount owed and then the rest is written off and the accounts are closed. I paid the agreed upon settlement amounts as listed in the included documents and waited for my credit report to be updated. Upon checking my credit report the following month, Affirm was still reporting that I owed {$170.00} and {$250.00} ( the amount left over that was to be written off after the settlement I agreed on ). I contacted Affirm and they claimed that XXXX XXXX was still reporting that I owed money and had no knowledge of a settlement. Affirm is unwilling to contact XXXX XXXX on my behalf or review the documents I obtained from True Accord containing our agreement, affirm is also completely unwilling to work with me directly and says I MUST use their third party debt collector. I called XXXX XXXX and they claimed that they had reported the settlement to Affirm and were also unwilling to contact Affirm on my behalf. After contacting both Affirm and XXXX XXXX, I filed a dispute with the credit reporting agency XXXX. XXXX evidently reviewed both accounts but still sided with Affirm even though I included the documents containing my agreement with Affirms debt collector and the payment confirmation. Affirm has still made no effort to correct their error and is still refusing to contact their debt collector XXXX XXXX on my behalf to verify our agreement and payment or review the documents I have providing this.
Consumer complaint received 2017-05-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (FL)

XXXX  Transferred Ch.  XXXX  filing originally filed in  XXXX   XXXX  from  XXXX , Ga  (   XXXX  &  XXXX   )  to  XXXX , Fl (   XXXX   XXXX   ) . [ The balance transferred was {$4.00}, 200 ]   XXXX  Received a notice that Mortgage transferred from   XXXX   XXXX   XXXX    t o  Caliber Home Lo ans.      XXXX  Represented by the  XXXX   XXXX   XXXX  who REFUSED  to pr ovide me with a creditor list and amounts. Was told that the bankruptcy process is too complex for me to understand and I must pay what they tell me  ( withou t them providing me with a detailed summary ).      XXXX  Terminated my relationship  XXXX   XXXX  ( approved by  XXXX   XXXX   XXXX .      XXXX  Received detailed claim from the  Trustee  's office. The detailed list reflects Caliber with a total claim of {$77000.0 0} ( {$60000.00}, {$12000.00}, {$4300.00} ).       XXXX  Requested support fro m Caliber   (   XXXX   XXXX   XXXX   XXXX   ) since NO d ocuments were filed to support the {$77000.00} claim.      XXXX  Received a proof of claim in the form of a loan modification document with an as of date of  XXXX / XXXX / XXXX , but, still NOTHING to support the {$77000.00} claim.      XXXX  Court hearing to review creditor claims, focus on this claim fo  XXXX   XXXX   XXXX   XXXX   XXXX    ( Caliber Home Loan ). No document on file to support the {$77000.00} claim. Ordered by    XXXX   XXXX  to obtain support for the claim so that the {$77.00},    XXXX    can either be paid or dismissed for this bankruptcy ( next court date  XXXX   XXXX ,  XXXX  ).
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Keeping up with timely payments has always been a priority for me on this account, ensuring that no payments are overdue. Nevertheless, I find it perplexing to discover reports of late payment remarks associated with my accounts. As stipulated in 15 USC 1666b - Billing Error, necessary corrections should be enacted.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX a savings account was fraudulently opened up in my name using my social security number for this fraudulent act. I contacted Bank of America which is the bank I have been banking with since XXXX of XXXX they let me know when the account was open when I called and I asked about this fraudulently opened account. However they told me they couldnt give me information about this account over the phone and that they dont know what is going on I had to go into a branch to get the statements I requested from them to go over this fraudulently opened account. 
Furthermore for some reason Bank of America though it was ok and legal to join this fraudulently made account to my current XXXX checking & savings account. This is initially what made me call my bank because I had statements on my account from XXXX up to XXXX that I had no clue of. When I opened to look at the statements they are all blank. Once I expressed to them I was a victim of identity theft and I need to see that account or statements they started to discriminate stating I was being hostile & threatening them. I never once got hostil or threatened anyone the cameras will see that. However following them stating I was being hostile and threatening her she called the cops on me and band me from their bank. I have been banking with them since XXXX and kept my account at good standing and kept good standings with this bank. I am very appalled at how I was treated after expressing my identity theft & fraud. Because of Bank of America lack of privacy & protection of my identity & social security number for me as the consumer I am dealing with major losses with assets in my name & being a beneficiary of a trust. Their lack of privacy and carelessness for me the consumer someone is embezzling money from my trust account with a Bank of America fraudulently opened savings account they let run for 5 years without my consent or knowledge. I am losing so much money because of this lack of privacy with my bank.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I asked equifax to provide me with my free credit report online, not my login information, and they still havent fixed the problem its going on a year. Filed complaint with cfpb, and equifax said the issue was resolved and they never resolved the issue or replied back to my emails when I showed the company that I was still having the same problem. Not being able to access my credit report.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (MI)

I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each Creditor Company to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted Equifax, XXXX and XXXX credit bureaus. 

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 2019-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd. (OR)

I received a letter from FMA Alliance , Ltd indicating I have a balance due to them as a result of an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$290.00}. I sent a letter requesting them to validate the debt, as I'm unaware of any such debt. The request for debt validation was sent to FMA Alliance on XX/XX/2019 and has not been responded to.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

Alerted by Credit monitoring company that I have missed a payment with my auto company Bridge rest formely known as XXXX XXXX. After careful review of my report Bridgecrest has not reported any of my XXXX, XXXX payments made on time. Currently, my account is up to date and should have been reported accurately. My maturity date for my vehicle is XX/XX/2020. I will be finished paying off my vehicle. The incorrect information reported has caused my credit score to decrease. Would you please assist me with this matter? Thank you
Consumer complaint received 2020-04-27
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. (NY)

Experian is in violation of FCRA rules section 1681. 

Violation ; currently reporting disputed account as updated and accurate. Violations of FCRA rules Disputed account ; XXXX XXXX XXXX Inaccuracies ; no credit limit, no balance, no date of last reported payment, no payment history, no credit/ loan term reported. All violations of FCRA rules. 

Please see attachment ;
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I sent letters to each credit bureau ( XXXX, Equifax and XXXX ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (MI)

I transferred money from a savings account at another bank to SoFi and they decided to freeze and monitor my account on XX/XX/2024. I called SoFi right away since I was trying to use the funds in my account and my card was declined. They told me my account was under review by an internal team and I was not allowed to have any more information other than that or a timeline of when the investigation would be completed. I have called every single day since including weekends with no avail as to the status of my account, if any progress has been made in the investigation or when the investigation will be finished. this is critical for me that I get this resolved as quickly as possible since I am trying to buy some XXXX XXXX medication with that money that might not be covered by insurance and if I don't have this medication, based on my past history with med changes, I could potentially do things like XXXX XXXX  or both. I have called and called and called and called and called and they just keep going in circles and blaming me, the customer, for wasting their time and then hang up on me. All of the calls are recorded so you can hear them all say " I'm going to end this call now, goodbye '' and click. They have no empathy for those that are not only customers but those that have XXXX  health XXXX for they are giving me so much stress and XXXX and I feel like I need to go to the doctor and get an increase in meds just to deal with these SoFi employees that also have no supervisor to talk to. I get a number from the app and that is " the last point of contact '' but it is also the only point of contact as well. I have so much pent-up anger even when I still have my few remaining meds that I'm going off on everyone because I am so stressed out since XX/XX/XXXX and it's now XX/XX/XXXX so almost a week and a half since this started. I'm going to go crazy if I hear one more time " I can not give you any further information ma'am '' because they are hiding something from me and they won't even tell me why my account is restricted specifically so I don't know if it was the purchase I was making that was too large or something else. I need answers or this will not end well if I can't have my medication because of the money they are holding hostage for an " internal review '' and potentially drawing interest on it.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc. (MN)

Ncb Management Services I paid this collection after agreeing on the phone with the agent that they would delete this account from all credit agencies. I've contacted them many times since then, and all they send me is a receipt for the account that I agreed to pay on in the event they would update my credit report/delete the account. 

I was told that within 30 days of payment my credit file would be updated and the account removed from each reporting agency, this has not been done.
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

Never heard anything after move-out, balance XXXX when i gave forwarding address. Pictures taken and professional cleaning and repairs done. XXXX  year later I recieve a call from debt collector with no knowledge or contact from management company. Collections agent was so rude and disconnected call but couldn't provide proof of debt or anything in writing explaining debt owed or amount. 
Attempted to contact landlord, wouldn't return my calls or take them nor could office staff explain anything on the matter. 
Continues to show up on my report in collections and negative impact. NO CONTACT from anyone.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP (OK)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (TX)

I repeatedly tried to transfer funds from both my Marcus savings account and my Apple Card savings account ( administered by Marcus ), but Goldman Sachs/Marcus refused to execute my transfers as requested and even locked my account to bar me from transferring my money out of their bank. When I tried to unlock my account by calling their customer service line, they put me on indefinite holds, promised to call me back but never did, and said they didn't understand why my account was locked and couldn't do anything about it. Effectively, they locked my money in their bank and acted like they were powerless to do anything about it. At this point, I can't get to my money and feel like I am being defrauded.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX   XXXX   XXXX   serviced my mortgage for one of the government mortgage holders.  Huntington Bank  bought   XXXX   XXXX   XXXX       In a letter dated  X/XX/2017 ,  Huntington Bank    reported to me that my hazard insurance expired. It did not. They demanded I provide evidence I obtained new coverage. On  X/X/2017  at  XXXX  I corrected the mortgage information with  XXXX . They were to provide the evidence directly to  Huntington  at  XXXX . During a phone call on  X/X/2017  at  XXXX  for  XXXX  minutes, that evidence was accepted.     In a letter dated   XXXX  , Huntington Bank informed me that they paid, or schedule to pay, an insurance renewal premium and received another billing notice from a different insurance company.contacted me again with the same request. During a phone conversation on   XXXX   at  XXXX  for  XXXX  minutes, Huntington demanded I provide evidence of hazard insurance for the period   XXXX   to   XXXX  , a prior period. During the same call,  Huntington  rescinded the demand and stated I would receive a letter confirming cancellation of lender provided coverage around   XXXX  . They affirmed I had no other obligations in regards to providing any other evidence.     In a letter dated   XXXX  , Huntington Bank verified receipt of the evidence, but did not verify the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX , a prior period. They resumed their demand for evidence of insurance and stated I am responsible for the annual premium of {$910.00} without that evidence. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They did not call back. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them again. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They returned my call at  XXXX , and in that  XXXX  minute call,  XXXX   XXXX  informed me that a policy had been bound already.  XXXX  left a direct fax number.     From the  XXXX  web site, I printed my policy declarations for the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . That evidence, and the  XXXX  letters were faxed from my home phone to  XXXX   XXXX  at  XXXX , but has not been accepted at the time of this complaint.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (TX)

I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Next phone call or let her is going to be for my attorney and if you dont believe Ill see you look me up on pacer baby.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. 

Accounts affected by XXXX XXXX  XXXX  opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : {$65.00} COMPANY : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}