davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (GA)

I purchased a treadmill from XXXX and financed it through Affirm. After the Affirm loan was paid off, the treadmill was recalled and XXXX refunded Affirm my full amount. This was 90 days ago and Affirm has not refunded me the {$4000.00} that they owe me. I have reached out to eveyr person I can at Affirm, and they are simply keeping my {$4000.00} which they are not entitled to. 
Affirm is corrupt and fraudulent in their business practices. 

Affirm emailed me to say they were refunding me, but it is just further evidence of their XXXX.
Consumer complaint received 2017-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (FL)

On XXXX XXXX, XXXX I sent Prosper a voided check to change a bank account that was closed to fraud. I had notified Prosper to make the changes and set up the payment for the XXXX. Prosper failed to set the auto payments on and did n't reach out to me via mail. I have not received a letter, but rather a notification from the credit reporting company. They reported my loan late and never bother contacting me until I reviewed my records over the week. I have a lot of bills and to notice that a loan agency failed to make corrections. I called them up today and made the past due payments. They failed to offer a discount on the due amount, even other banks gave late fee waivers due to the natural disaster that affected XXXX County, Florida during the hurricanes. The customer service was untrained at handling the situation, they did n't understand the difference between a manual payment and an auto-payment when I told them I wanted to ensure auto-payment was still on. They assessed a late fee to my account and reported my account to the credit reporting agencies. 



Loan To Collections XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Your Attention Needed : Payment Past Due. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXXXXXX XXXX Account Set Bank Account As Primary XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Primary bank account changed. View message. XXXX XXXXXXXX XXXX Account Bank Account Added XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Bank account added. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : AutoPay has been turned off. View message. XXXX XXXXXXXX XXXX Loan Ach Payment Settings Edited The ACH payment settings on Loan # XXXX have been edited. New payment setting is : Manual. XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've already submitted a CFPB complaint XX/XX/XXXX regarding this same issue with EXPERIAN. It is EXPERIAN 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. EXPERIAN is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered. Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transaction or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this whole issue, I did NOT give EXPERIAN written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simply not true.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (LA)

I switched mobile service from XXXX to another carrier on XX/XX/2021. After switching service I called XXXX to finalize billing and ensure that my service with them was terminated. The CSR told me to disregard my current bill since I did not have service the entire month, that i would receive a pro-rated bill, which I did in XXXX. The amount was for {$120.00}. On XX/XX/2021 I went into my local branch and made the payment. I also took a range extender which I was given by XXXX because I had no service in my house and had safety concerns because of my wife and kids not having any service ( Of course this did not help ). The CSR at XXXX branch did not show as this on my account, and stated that XXXX did not use these anymore, and she couldn't take it back in the store. She did state that if XXXX wanted it back they would send a return box for me to ship it back. I haven't heard from XXXX since. XXXX, I received an alert from XXXX that I had a collection on my credit report. It was from a collection company called Receivables Performance Management , LLC  out of XXXX Wa. for a debt of {$310.00} with XXXX XXXX I do not have ANY late bills with ANYONE! I have never received anything from this company no email, mail, or phone call. With no notice, this company, Receivables Performance Management , LLC, is in violation of the FCRA and CFPB, and have taken my rights to dispute or resolve this matter. They have also put in jeopardy my first home purchase at XXXX years old. I have worked too hard to clean all of my credit up over the last XXXX or XXXX years, to let anyone steal this from me by violating my rights as a consumer. I look for the CFPB  to step in before I escalate this matter legally. This needs to be removed from my credit report ASAP and these predatory collection practices need to stop. Many companies believe that they have the right to jeopardize consumers livelihood, and tear down the work of others.
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BTH Management (NE)

Plaza services is reporting a debt on my credit I filed a dispute with credit bureau in regards to accuracy of debt as I am unaware what the debt is for. Result of dispute just states debt is valid. While preparing debt validation letter I verified the licensing of Plaza Services that they are allowed to collect debt in Nebraka. Upon viewing the list of licensed collection agencies on the Nebraska Secretary of State website they are in fact no licensed to collect debt in Nebraska. I have requested this company to remove all reporting on my credit report of whatever this account is as they legally can not collect debt in Nebraska.
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NY)

Ace cash Express  Repeat phone call I called back, they gave me a docket # And claimed I owed {XXXX}. 
I never heard of this company, I never had a cash express loan. Ive never been to this place, They knew the last four of my SS numbers, I live in NY. They said I have to get an Atty and appear in court on Tuesday but would not tell me where or what court? Or I could pay him over the phone now!!! I looked on line for Ace Cash Express and I see they were barred and fined for doing this robo call operation in 2018 in Texas. I have never been there.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

I have reached out to this debt collector on several occasion requesting validation of this debt and have yet to receive the proper response. I have sent several written requested and have requested documentation and have not received responses back. The dates are as follows XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: National Credit Adjusters, LLC (FL)

For a while now I have been getting a bill in the mail for a credit card that I never applied to receive. I have spoke numerous times to customer service to please close this card. They told me that there have never been any transactions on this card nor was it ever used. 

They have charged me late fees and other fees totaling roughly XXXX. None of these were due to somebody using the card for purchases. If I need to file a police report and contact my lawyers regarding this situation, that is my next step. 

My credit has suffered due to somebody fraudulently opening this account. The bills on this account were ignored early on due to the fact my wife and I have multiple credit cards. It was not until we evaluated the card and bill, that we realized this is not XXXX of the cards we applied for. 

Please help me address this situation.
Consumer complaint received 2022-10-13
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. (MO)

I called the XXXX, Experian, and XXXX Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (GA)

I applied for a auto loan with wells fargo. During the process the XXXX XXXX XXXX XXXX said they would give me {$7000.00} for my trade-in. During the process, I stated I was on fixed income XXXX XXXX  XXXX and had to stay with 500 range for payments. The wells fargo agent got on the phone to approve the loan with my assumption the loan payments would be within $ XXXX amount I wrote on paper with sales person. That paper was taken away from me. The finance person talked about all these warranties with no mention of the payments. The finance person did show the monthly payments and I ask to have warranties remove. Warranties added over over {$200.00} per month to loan. I have contacted wells fargo several times to have warranties removed and principle adjusted their executive office has lead me on several times saying they would take care of and never did. Later the executive office would say I am responsible for having warranties removed and not wells fargo even after stating several times they would have warranties removed. Wells fargo has continue to punish me by putting the late payments on my credit report. When ask why can't they adjust the payments wells fargo would state it would take XXXX XXXX to agree to new contract. Asked why can't wells fargo move payment to the end which would help the refuse to do so the even tho they offer to move a payment if you meet their bias over the phone approval where they tell no. does not make a difference what you say your reasons are... I have submitted 4 complaints to wellsfaro on this issue... I have had 2 executive customer service agent say they will have warranties removed all just were buying time so I would not file a complaint CFPB. I am tired of playing the games with wells fargo. They figure if they keep playing this game maybe they can get more money by repossessing the car. Get more on top of the XXXX for trade-in and XXXX for warranties. This bank is corrupt. Does nothing to help customers but put continue to put them in bad credit standing.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

Out of my 11 student loans, 3 are XXXX. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about XXXX years later. 
XXXX XXXX, Navient, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. 
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a full time student. Ive never had a late payment of my loan in my entire life. 


They manipulate me onto the loan. 

Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. 

Third, they told me my only options when I was unemployed and still enrolled in college seeking my degree full time, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest Fourth, the XXXX entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} XXXX in debt when my original loans were approximately {$35.00} XXXX. 

XXXX, XXXX out of my 11 loans serviced by navient were incorrectly reported as XXXX days late and XXXX mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. 

I found out about this by a sudden drop of my credit score for XXXX to XXXX. 

After many attempts to solve this with Navient and XXXX disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of XXXX XXXX XXXX days late. It doesnt make sense logically, How can it be be XXXX - XXXX days late if they are reporting only 3 months behind. 

Honestly I think they need to forgive at least these XXXX loans because if Navient were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called Navient to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called XXXX but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called Transunion Credit Agency and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on my report.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

My TD bank was demarketed after a remote deposit was made through the app. It was my fault I did not clearly look at the check. So they decided to end there relationship with me. I have a balance of approximately {$XXXX}. This issue has been going on since XX/XX/XXXX, and we are now nearing the end of XXXX. I was told by customer service that I needed to physically enter the branch. I did so XXXX with spending over XXXX hours there with different stories being told to me, and no resolution. I have spent countless hours on hold with different departments from customer service to fraud. Please help me in closing this account and having the funds returned to me. In addition I did not receive any correspondence regarding my account being demarketed, which should have been mailed to me. I had to find out when I couldnt log into my account online, called customer service, and then told I had to physically go into the branch for more information.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

On XX/XX/2021 I received a very threating letter from CREDENCE XXXX XXXX XXXX, XXXX XXXX XXXX TX. XXXX. This is regarding a creditor DIRECT TV LLC REFERENCE NUMBER XXXX. FOR A BALANCE OF {$390.00} This is not my debt and I feel harassed about the company writing and suggesting the debt is mine.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2021-11-22
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. (NY)

I am XXXX XXXX, I am a consumer/natural person making this complaint on my behalf, there is no third party involved. I have reviewed my consumer reports and found several unauthorized inquiries. Under XXXX XXXX XXXX ( a ) ( XXXX ) There must be written instruction from the consumer to have any information furnished. I did not authorize these transactions nor give written consent to have these inquiries on my consumer report.
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$170.00} XXXXXXXX XXXXXXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States 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
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (NY)

BB & T  opened an account in my name with my social security number and a fraudulent address. I have called them several times and spoken with XXXX XXXX at the fraud department explaining I have not opened this account. I have filed a report with XXXX XXXX report # XXXX. I have frozen my credit reports and added a fraud alert. I have called social security. I have called BB & T  with the assistance of an agent from XXXX XXXX. The account is still open and they have not contacted me in any way.
Consumer complaint received 2017-10-26
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. (PA)

My bank ( XXXX ) offered a balance transfer option which I took advantage of in the amount of {$11000.00}. I asked that the money be sent to my Citibank MC to partially pay my balance of {$12000.00}. XXXX sent the first check to the incorrect Citibank address. They reissued the check and Citibank received it on XX/XX/XXXX. Since it was past the monthly due date and to avoid interest charges on my balance, I paid the {$12000.00} in full. Therefore the {$11000.00} XXXX check now created a CREDIT balance of {$7800.00}. ( I use the card constantly hence the credit balance of less than {$11000.00}. ) On XX/XX/XXXX I called CitiBank and asked for a refund of the credit balance which I was told would be deposited in my checking account in 4-5 days. On XX/XX/XXXX I called again, spoke to a supervisor who contacted XXXX to verify the validity of the XXXX check. I was then promised again that the credit check would be in my account by today XX/XX/XXXX. It still has not been done.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

I have account on my credit report that doesnt belong to me I disputed with credit bureaus and XXXX sent me a notification in the mail with someone elses name on it. Sent validation letter received nothing but a bill with someone elses name on it