davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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 — Investigation took more than 30 days
Company: Army and Air Force Exchange Service (WA)

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION, BY PHONE AND ON LINE HAS MADE IN NEARLY IMPOSSIBLE TO FREEZE CREDIT REPORTS ( INCIDENT INVOLVING LOST SS CARD ) IT'S GO HERE, CALL THIS, THAN SORRY CAN'T HELP. TZHIS IS A FREE SURVICEMSO THEY ARE NOT BREAKING THIER # # # #. WE WERE SUCESSFUL WITH THE OTHER TWO AGENDIES. ZERO WITH TEANS.
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (AL)

I have had multiple odd run-ins dealing with a certain hospital in that I may or may not receive a statement and won't have a clue if it's filed with insurance, etc. until I receive a debt collection notice from this collection agency. I notified them that I needed validation of this and received a hospital bill. I have never done business with this company and I have not signed away my rights for them to have any access whatsoever to my medical records. I can not get information from the provider and I can not get information from this collector. At the moment, they have a {$470.00} and a {$51.00} item on my credit report yet I do not have information giving me the information I have asked for. Furthermore, I dislike the fact that I am not made aware of what is owed by the provider and then I see the information provided to the credit bureaus. Again, I have not done any business with NRS.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I connected with a woman named XXXX XXXX, and she offered me guidance on investment opportunities. As we kept talking, she mentioned that her 'aunt ' was also actively involved in providing coaching and advice in cryptocurrency investments. 
At a certain point in our conversations, there was a setback in which I lost {$15000.00} USD. In response, XXXX offered to help, and she attempted to recover the funds by depositing them into what I believed was a legitimate XXXX account. 
XXXX years prior to this incident, I had purchased XXXX ( XXXX ) and I just kept it in my ledger. I decided to transfer my XXXX holdings from my ledger wallet to XXXX. 
The scammers offered me to assist in navigating the transfer to XXXX. Initially, they appeared seamless and trustworthy. I conducted a smaller withdrawal, which went off without a hitch. However, when I attempted to withdraw my entire XXXX holdings, my account was abruptly frozen. 
To compound the situation, the scammers demanded an exorbitant sum of {$20000.00} USD in fees to unfreeze my account and release the funds. It was at this distressing point that the harsh reality dawned upon me - I had unwittingly fallen prey to a sophisticated scam. 
Since this was my first attempt at cryptocurrency investments, I didn't initially suspect anything was wrong or suspicious. It was only later that I realized I had fallen victim to a scam, and I felt deeply disappointed. 
Furthermore, I was disheartened by the fact that these fraudulent transactions, which amount to a staggering XXXX USD from my Wells Fargo account, could have been easily prevented, as they were completely out of character for me and diverged from my previous financial decisions.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

The company has been posting " late payments '' to the credit bureaus since XXXX. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last XXXX  years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.
Consumer complaint received 2021-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

The issue, alongside Problem with the payoff process at the end of the loan ( refinancing, extending loan ) I just submitted ( email and via XXXX XXXX site ) and stated ( phone ) the following : Hello, I am disheartened at the service I just received. I am issuing my request ( and will hold receipt ) to have all of my banking information removed from your system. I made this same request over the phone a few minutes ago with a manager/escalated call - I do not authorize payment from the debit card ( XXXX ) on file. 

When I set up a payback/payment plan, the disclosure that I repeated and affirmed did not list the form of payment. To be rude and say why would I assume and not ask yourself is rude. I have been receiving deposits in one  bank ( XXXX ) and paying back with another ( XXXX Debit Card ) due to your system originally not matching/approving/authorizing the account ( XXXX ). If this should not have been done, you should not have allowed it. If that has been the pattern, why would I not " Assume '' it would be the same. 

[ Added : I do not get the needed funds deposited in XXXX. But in XXXX. I called to inquire on the mentioned pattern and was allowed to set my account up as such ] ALL of the calls are recorded and I will be requesting copies for it legal, alongside citation of federal law I did not want to even have to use, as I was trying to be a good customer/consumer. 

I simply called to express the issues and request a refund for insufficient funds for XXXX and XXXX because payback was not set-up properly. Your disclosure and agreements should be updated with such. 

I respectfully wanted to be heard and understood and middle ground. 

Your tone and treatment towards someone who was trying to get a {$170.00} refund and set-up proper repayment was met with rude treatment. 

I will be reporting you. 

Again, this is my official and legal request for you to cease action on the current payment plan and do not use my banking sources. 

I hope quality assurance reviews the calls, and you retrain your staff. 

So disappointing to an accountable, loyal customer. 

I sent the same via your site. 

-- XXXX XXXX ( please remove my name if you use on your site ( CFPB ), thank you ) I had to set this up due to financial difficulty ( death in family and travel )
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (FL)

Ref CFPB Case # : XXXX Affirm Loan ID : XXXX With regard to application in question. The loan application is my equitable property and should be retracted as your corporation is in breach of contract due to non performance. I have right to credit. XXXX or any other CRA do not decide my credit worthiness. Continued misinformation is violation of 15 USC 1611.
Consumer complaint received 2021-08-31
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. (NY)

Equifax has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (WV)

I made my payment over the phone and on time however the person I was speaking to input the numbers incorrectly for my account snd it caused the payment to not go through. They never called me or anything, but h realized within my 10 day grace period that it didnt go through and made the payment once again.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity fraud.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-09-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have the proof that XXXX has been unable to find my data from XXXX XXXX through XX/XX/XXXX. It shows that my 1st delinquency is XX/XX/XXXX and so the 7 years is up and this item needs to be removed from my account. Currently they are stating that they have " no-Data '' and so they erroneously report that XX/XX/XXXX is my 1st delinquency ( Which is wrong ). Since I have provided the actual and factual information that XXXX has failed to do, then by the Fair Credit Reporting Act, this MUST be removed from my credit report or I will take further action with my attorney against Experian. Both XXXX  and XXXX  have already taken this off my report. 

Basically, when Experian contacts XXXX, XXXX keeps extending the date when it is suppose to fall off my report. As you can see, I have provided proof in which they keep doing this. They have done this multiple times and I am way way WAY past my date of 1st delinquency and after XX/XX/XXXX I never made another payment. My documents prove this and XXXX can not prove otherwise. The debt owed was {$33000.00} and I did not ever make it current and that is now what they are trying to report that I made it current in XXXX of XXXX and that is a bunch of XXXX. Please help, because XXXX is playing games with my life.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity fraud.
Consumer complaint received 2021-08-31
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 (AZ)

On XX/XX/XXXX, a Deficiency Notice request regarding account # XXXX was sent to Bridgecrest Acceptance Corporation pursuant to the laws of the State of Arizona UCC Article 9 State RISA and MVISA statutes. As the attached correspondence confirms, the vehicle was sold in XX/XX/XXXX ; however, I NEVER received any form of notification as required by law. Since Bridgecrest failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle within 14 days upon receipt of the request, I disputed the account with the credit bureaus in XX/XX/XXXX and asked for it to be deleted. My request to have the account deleted was not granted despite the law being violated. 

Because the time allotted by the statute to produce proof of the alleged deficiency has expired, rights to a deficiency is waived under UCC Article 9-616. I once again request to have account # XXXX deleted immediately from all credit reports for XXXX XXXX and XXXX XXXX for the reasons stated. I also ask for all derogatory remarks to be removed from ALL credit reports.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

In XXXX of XXXX, My wife and I purchased our first home. The Mortage company assigned to us was 'Lakeview Loan Servicing LLC XXXX ' As required, we bought Homeowner 's insurance through 'Progressive Homesite ' and our monthly mortgage payment included our Principal/Interest payment as well as taxed and mortgage. I have been making my payment in full, plus a small additional amount to round out the payment to an even number ( {$1500.00} ). 

I received a letter in late XX/XX/XXXX from XXXX ( Lakeview Loan Servicing LLC ) dated XX/XX/XXXX stating that I was going to be forced to get Lender Placed Insurance because my " Hazard Insurance had expired. '' I had assumed that the insurance expired since it had almost been a year and was just in need of renewal. I called XXXX that afternoon to get clarification. XXXX told me that my insurance had been canceled LAST XXXX due to a claim I had placed ( My car was broken into at home and tools and school books were stolen. ) XXXX claims to have sent out a letter of cancellation as well as a refund for approximately {$500.00}, but I had not received either! 

I called XXXX back for clarification on why they are JUST NOW telling me that I do not have insurance and to find out where all the money for insurance in Escrow had been going since cancellation. The XXXX employee was surprised that they hadn't realized the lack of insurance sooner. The employee also said that the money was sitting in escrow and had not been paid to an insurance company since the insurance had been cancelled. I was told that I just needed to find new insurance and to call back with the information. I had calmed down and I was just grateful that nothing had happened to the house during the period we did not have insurance. That night, I acquired homeowner 's insurance from XXXX. 

On XX/XX/XXXX, I received another letter from XXXX thanking me for getting new insurance. In this letter, they state that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and an insurance charge of {$950.00} will be placed on my account for the period of time that their lender placed coverage was in force. 

XXXX 's first notice and contact of possibly placing lender 's insurance on me was dated XX/XX/XXXX of XXXX. Now they are retroactively charging me for services THAT WERE NEVER RENDERED.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Once again, my credit file has been corrupted with false and defamatory claims of debts I do not owe, which have been made against me without any prior notice, or any other legal process whatsoever. The purpose is to damage and destroy the quality of my life by inflicting financial harm against me causing my current FICO Score to plunge overnight from XXXX to XXXX, and credit applications once routinely approved are now being routinely declined. Each day the result is my direct loss of significant income and opportunity, at great personal cost with constant turmoil and unneeded stress. 

The reason these false claims of debts have been included in my credit file is to extort payment from me for money I do not owe. In order to remove the false information from my credit file, and cause the false lower FICO Score to be restored with my legitimate higher FICO Score, I am being coerced and extorted by both TRANSUNION and the fraudulent creditor ( s ) for immediate payment so that I may obtain immediate relief from being declined an extension of credit at the time I need it the most. 

My credit applications are now being declined each day due solely to false claims of debts not owed, by fraudulent creditors misuse and abuse of the national credit bureau reporting system, in concert and support with TRANSUNION. TRANSUNION permits false and fraudulent information into the credit bureau reporting system in order to cause credit problems for consumers, and then uses coercion and extortion to force those same consumers into a TRANSUNION {$19.00} per month credit repair subscription service for all eternity, to remove the very same credit problems caused by the false and fraudulent information permitted by TRANSUNION. 
In addition, at the suggestion of my Bank, steps have been taken to protect both my funds and accounts from continued unauthorized withdrawal by the very same fraudulent creditor ( s ) acting in concert with TRANSUNION.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (IL)

I purchased a wig via XXXX and I used Affirm as my method of payment for the wig. The loan was approved and the wig was received. Upon receipt of the wig, it did not meet the quality nor fit the website description. I contacted XXXX and returned the wig. XXXX stated the wig was received and informed me they issued a credit of {$100.00} to Affirm on XX/XX/year>. I called XXXX weekly to confirm the wig was returned/received. XXXX confirmed the refund was processed and informed me it could take up to 45 days for a credit to appear. On day XXXX I called XXXX and they provided the return code provided to Affirm. I called Affirm and they refused to verify receipt of the return and would not accept the return code via telephone or email. I opened an online case with Affirm and they are referring me back to the XXXX which is XXXX. At this point, I am paying for an item that was returned to the merchant XXXX, and Affirm has received a refund from XXXX. So I guess double dipping is a deceptive yet lucrative source of revenue for Affirm.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (FL)

Well Fargo transferred my loan to a XXXX XXXX XXXX as of XX/XX/2023. Ive been trying to contact the new servers but no answer only message started there was a cyber security attack as of XXXX XXXX unable to speak to anyone. Spoke XXXX today and ask what was the reason for my mortgage transfer he couldnt answer me. I explain my concerns to whats happening and questioned him if I had option to denied transfer he couldnt give me the reason why but no option to this transfer as of today XXXX XXXX Ive have not received any of my new loan services Im not even sure if my identity and information was compromised Im not even ever heard of XXXX incorporated what is this why are they trying to get rid of me?
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (PA)

I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

Experian - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX {$1600.00} XXXX XXXX {$670.00} XXXX  - XXXX XXXX {$36.00}