davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc. (NC)

Self gave me a credit card, which I never used. They have reported late payments on my credit. I have never used the card nor never had a balance. I requested for Self to be removed completely removed from my credit and they refused.

Self closed my credit building account during a national pandemic. They refunded my money and I would like to have it deleted from my credit reports. They refuse to delete from my credit reports
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MD)

I received a letter from online information services, a debt collector located at XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. 

They were attempting to collect a debt for a company named XXXX XXXX XXXX XXXX When I called online information services, they were requesting that I give them my full and complete Social Security number. When I would not give them my my Social Security number, they would hang up on me. I would call back, providing them all the information provided in the letter mailed to my home, and they said that I had to still provide my complete Social Security number. When I would not give them my Social Security number, they then placed a deficient collections onto my credit report. I have contacted the local state police in North Carolina regarding this matter. I spoke with XXXX XXXX badge number XXXX this debt collection was then disputed with the three credit bureaus and determined to not be accurate and was removed from my credit report. I am contacting this office to notify you that this company is fishing for people, Social Security numbers and when not provided with your SSN they will place a false claim against your credit report.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Velocity Portfolio Group (FL)

I received a knock on my door on XX/XX/XXXX. With a person handing me a subpoena to go to court from velocity investments, previously owned by prosper marketplace. I have never done any business or had any dealings with this company. They claim that I owe them money from a loan that incurred on my name dating back from XXXX or XXXX of XXXX. This was a person using my information to commit a fraud. Other than a student loan that I am currently paying, I did not open any other personal loans from that date or present.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I reached out IQ data international and disputed an amount of XXXX $ via phone call and email yet they reported on my credit report. I was threatened with the debt being reported on my credit report if I decided to dispute the amount. There were multiple emails from the property management of XXXX as well on this issue and IQ never responded to the emails. The debt is now reported on my credit report with out any further notice to me. Attached are the final account statement and the XXXX transaction showing the amount paid as the final account statement.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Very maliciously and intentionally, Citibank SearsCard arranged to have a secure message notification sent to me at the beginning of the XXXX XXXX Holiday Weekend. The notification was sent shortly before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The notification stated that it would expire on XXXX XXXX XX/XX/XXXX. First, it is unlikely that an employee created the message close to XXXX but someone in the corporate executive office purposely programmed the message only to be available during the national holiday period in RETALIATION for my previous complaints against Citibank SearsCard. Like so many other patriotic Americans, I celebrated and memorialized our dedicated veterans during XXXX XXXX, and, did not check my emails during this time. When I tried to access the secured message the day after XXXX XXXX it was gone. It is wrong for Citibank to allow only three days to access a message. Even more so restricting access only to a three-day national holiday. Even worse, is the anonymous, unnamed, cowardly employee retaliating against an XXXX who complains about Citibank.
Consumer complaint received 2023-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I submitted a complaint on XX/XX/10 and recieved a response from Amerisave, with wrong information and they also told me they were preparing to send my paperwork out that week and would receive them the next week and the beginning of the week. It is now mid week and i still have not received anything. So I called Amerisave to check the status and was told by the rep, there had been absolutley no update to my account. No paperwork had been prepared.
Consumer complaint received 2022-11-30
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

Additionally, please further note that in XXXX at the conclusion of the XXXX  XXXX Bankruptcy filed, both Wells Fargo and XXXX indicated that XXXX XXXX XXXX paid as agreed and was never late. I am attaching the XXXX deed of exemption that I signed on XX/XX/XXXX and the other signed and filed in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for solely XXXX XXXX XXXX.
Consumer complaint received 2023-05-31
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: Affirm Holdings, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Date : XXXX Company : Affirm Inc . 

RE : Account # XXXX Balance : {$90.00} Affrim Inc XXXX 
Account # : XXXX Balance : {$110.00} Affrim Inc. 
Account # : XXXX Balance : {$98.00} Affirm Inc . 
Account # : XXXX Balance : {$130.00} Affirm Inc . 
Account # : XXXX Balance : {$120.00} Affrim Inc. 
Account # : XXXX Balance : {$320.00} Affirm Inc . 
Account # : XXXX Balance : {$170.00} Affrim Inc. 
Account # : XXXX Balance : {$73.00} Affirm Inc . 
Account # : XXXX Balance : {$87.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$5900.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$12000.00} To Whom It May Concern : This letteris being sent to youin response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Consumer complaint received 2017-05-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

SECOND WRITTEN REQUEST asking you to remove the unverified Collection listed that remain on my credit report in violation of  15 U.S.C. 1681. You are required under the FCRA to have properly verified  the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  XXXX  as,  1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate.  '' 2 ) T o confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and  Verification  as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged account  ( s ) and all that has ever transpired for the alleged account ( s ),   under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that,  Consum  er Reporting Agencies  bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4  ).     You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section  611 ( 5  ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.     The law is very clear as to th e Civil liabil ity and the remedy available to me for negligent noncomplianc e ( Section 617 )  if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I dema nd the following accounts be verified or deleted immediately.
Consumer complaint received 2023-05-31
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: Affirm Holdings, Inc (FL)

affirm and XXXX XXXX  are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the affirm account was fraudulently opened in my name. ive been trying to reach affirm via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-05-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (GA)

XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from Santander that was issuing a refund due to file review. Santander was the original creditor. This debt should be discharged.
Consumer complaint received 2023-06-14
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One states that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and that they did not provide any documents that was clear and obvious for me to make an informed decision for an agreement. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information Capital one stated that they do not have documentations for the agreement, that means they are sharing false and misleading information about me to third parties including credit reporting agencies. See attach.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TN)

I identified XXXX unauthorized transactions for XXXX XXXX for {$10.00}, on XX/XX/XXXX and XX/XX/2023, under my PayPal account. 

I had no memory of these transactions, so I suspected they were unauthorized. I filed a claim with PayPal, and they got back to me told me that I authorized the charges, which was not true. I know this because I have not used XXXX  in around XXXX years, and I had contacted them - they had no record of anything under my name or email address for this purchase. 

With this information, I attempted to escalate the issue with PayPal, requesting the documents they used to come to this decision and they denied my claim once again, this time putting words in my mouth, stating : " You previously indicated that you authorized this payment agreement but youre unhappy with the terms of your agreement. As a result, were unable to consider this to be an unauthorized payment. " When I clearly stated in an email : " My claim was denied for unauthorized activity because you all are saying there's no evidence of it and that it's my purchase that I'm just unhappy with. That's just not true. '' They also additionally did not provide the documentation that they used, as promised. 

I attempted to escalate the issue further over the phone, and came to a dead end again. 

When I had explicitly stated :
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Basically, I was tricked by this man who claimed to be an orphanage collaborator, he had me buy him some items that to my knowledge was for kids in an orphanage somewhere in LA according to him. He told me that if I helped him buy the kids some things he would pay off my credit card fully so I believed it and I got him his first order of two XXXX and a XXXX card, I didnt ship these items out until after he paid off my debts. He had send me his bank account number and within 24 hours The payment was processed. fast forward one week later I got an email stating that the payment didnt go through after all and that I need to contact my bank. so basically, this guy scammed me and when I messaged him asking him about, why is the email saying that, he simply blocked me. I didnt think it was a scam at first because it did process in the first place and also he didnt block me as soon as I shipped out the items like he couldve, he kept replying to me for a whole week straight and had me buy him a lot of gift cards for the kids supposedly. At this point, I havent even met him only talked on the phone and I asked him to send me some pictures of him and the orphans to verify, and he actually sent me that, so I really had no reason to not believe him, I got scam so bad I have his address he had me shipping these XXXX to some donation collector in XXXX Georgia who supposably collected and sent everything to the orphanage from there Luckily, the last package I had sent out on Friday still hasnt been delivered so I was able to get them to ship it back to me, and hopefully I will be able to get a full refund for the items. The website I used was XXXX  and they need to have better verification processes to protect gullible individuals like myself especially on a dating website like that this shouldnt be happening! Now Im being left with even more jobs than I started with, I already reported the charges as fraudulent to my American Express fraud team, hopefully my issues can be resolved and I can be fully reimbursed.