davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/XXXX, my husband and I financed a custom computer from a company called XXXX XXXX for the cost of {$4500.00}. We used a third-party company called Affirm to finance the purchase, making payments of {$190.00} over the course of 3 years, totaling {$6900.00}. Months go by as we continue to make our monthly payment, and we never received any update as to when our computer would even be built. I would reach out to them via social media and on their main platform, XXXX and would get told that they are still waiting to build my computer. XXXX XXXX  ' agreement stated they would notify me 1 week, 1 day, and the day of my computer being built. This never happened, and XXXXXXXX XXXX ceased business near the beginning of XXXX, XXXX, so we reached out to Affirm to get the return we deserve, and started a dispute on the purchase on XX/XX/XXXX. Affirm 's policy states, " In an event where a business shuts down before delivering the product, Affirm would be obligated to fully refund all consumers who have financed a purchase with that business. '' They have asked for proof of purchase, proof that we have reached out to XXXXXXXX XXXX  to try and resolve the issue, proof that we never received a product, proof of my order number, and anything else that would support my claim. I sent Affirm everything I could obtain that they requested, to which they explained that they had to send the dispute to, " the higher ups '' on XX/XX/XXXX, after spending days providing all of the evidence requested. Nearly two months later, I contacted a lawyer who informed me to request an update within 72 hours. Affirm told me that they couldn't provide the refund since the order was processed in XXXX, XXXX. I then explained that the first piece of evidence I sent to them, was a screenshot taken on XX/XX/XXXX, of my order from Artesian Builds stating, " Order # XXXX  was placed on XX/XX/XXXX and is currently Processing. '' I called Affirm to speak with someone about the issue, and spoke to a supervisor who assured me they sent it back as " full contest '', and that they would get back to me after reviewing my case even more. I am waiting on a response, to which I believe will not be handled sufficiently, or within a timely manner.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Ive reached out to this organization and I was told by a representative XXXX  and would not give her last name I was unable to report in accurate fraud and identity theft on a account thats been open without my permission
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. Transunion and XXXX are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
Consumer complaint received 2022-05-13
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. (TN)

Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.
Consumer complaint received 2022-05-13
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. (TN)

Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (TN)

Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX  in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.
Consumer complaint received 2022-05-13
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: Lockhart, Morris & Montgomery Inc. (CA)

In accordance with the Fair Credit Reporting act Convergent XXXX, XXXX, ACCOUNT- 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 2022-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XXXX XXXX I filed for Unemployment Insurance Benefits through the California EDD website, and certified my unemployment each week. I began working in XX/XX/XXXX, and stopped filing for Unemployment Benefits. I changed addresses on XX/XX/XXXX. On XX/XX/XXXX, I received a California tax form stating Unemployment Benefits had been paid. I began looking, and found that my Unemployment Benefits were retroactively paid on XX/XX/XXXX, and a Bank of America Prepaid Visa Debit card was issued to my old address on XX/XX/XXXX with a balance of {$5300.00}. I discovered that {$5300.00} of fraudulent charges and debits had processed against the card, and only a {$15.00} balance remained. I was unaware that any payments had been issued or that a card had been issued and used. 

I immediately opened a Bank of America Prepaid Claim on XXXX XX/XX/XXXX. After several reconsiderations, Bank of America is still denying my claim. I have provided two separate Police Reports and numerous statements. I have also identified two suspects from ATM transactional photos provided by Bank of America as supporting documentation. I requested the most recent supporting documents from Bank of America, and received a package including deposit, debit, and balance statements ; everything I could get online. The package did not contain a reason for the denial of my claim, so I have nothing to argued against for reconsideration. 

Any reasonable person can associate the timelines and deduce that I was not aware payments were issued, a card had been issued, and the card had been activated and used prior to receiving the tax documents on XXXX XX/XX/XXXX. I have provided Bank of America ample documentation and evidence to pursue their investigation and agreed to cooperate and testify in any proceedings. Bank of America has no reason to deny my claim, and should immediately reimburse the {$5300.00} to my account.
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (CA)

The company violated my rights as per as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 18 U.S.C 1666B
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CT)

I direct deposit {$400.00} dollars to this card biweekly. On XX/XX/20 I initiated an internal transfer to another account and the funds were removed from my account however the one transfer of {$70.00} turned into 4 transfers with the same amount totaling {$280.00}. Additionally the money is in limbo hung in the system. I can not cancel these transactions that I never authorized nor can the receiver cancel or accept. I called bluebird about 5 times between XXXX XXXX and XXXX XXXX and they never offered a resolution or an eta when my funds would be released. They refused to assist me and told me its a known probably and there is nothing they can do at the time their IT department is working on it. It is now nearly 24 hours later, 1 week before XXXX during a pandemic and still no access to my funds. The company didn't even have the decency to send out a communication to its customers. I need help and am trying every avenue. I do not recommend doing business with a company who doesn't even care enough to alert its customers to known issues. Others could at this moment be making transfers Bluebird knows will fail and delay their funds for an unknown amount of time and they have not sent out any communications to prevent this.
Consumer complaint received 2017-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Capital One Bank To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim Such as I owe an unknown amount. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Automated Accounts, Inc. (ID)

I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date global opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from XXXX XXXX XXXX.
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (NY)

Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.
Consumer complaint received 2022-05-12
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. (NY)

Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mobiloans, LLC (FL)

On Thursday XX/XX/2022 my wife received a phone call stating that I was being served an order of location at my residence and I would need to contact XXXX for information regarding a file number XXXX. The same day, my mother was also contacted and was told that I was being located for a legal matter and they advised that they were attorneys. When I contacted the number I was told that I was being sued for defrauding the bank and breach of a contract. When I asked for additional information and a letter of validation for the debt they were reffering to they advised that they were not required to send me anything ans if I did not comply today they would continue their filing with the courts and would send an order of location out for me to my residence. The compmany would not even provide me with their full name and where I had called, the representative continued to raise their voice and demand payment immediately or I would be located. When I asked for written documentation of a payment plan or payment arrangement information I was told that they were not required to provide me with anything until I satisfied the debt they claim. This company calls my family members everyday and intimidates them and tells them they are attorneys and that I have legal troubles and that they are sending an order of location. They also will not provide me with any validation, validation in the mail, or answers to my questions, they just demand payment and threaten me. The agent threatened to take me to court and that I would be liable for all of the court costs.
Consumer complaint received 2022-05-12
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: Navient Solutions, LLC. (NY)

Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting convergent account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A sates 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2017-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have been paying off my $XXXX loan since XX/XX/XXXX. A few years ago my servicer was changed from XXXX to XXXX education. Today I received a notice in the mail that my loan was going to be changed again and serviced by "Nelnet" as of XX/XX/XXXX that any payments past this date would be automatically forwarded to "Nelnet". (date I received this letter is XX/XX/XXXX) I have not received any info from this other company "Nelnet" regarding them acquiring my loan and how to proceed with payments. 
As of today the XXXX education website goes to a blank web page. No information is available about any of the payments I have paid over the last 5 years. XXXX  "This Page isn't working." "HTTP ERROR 500"

How is it legal for a loan servicing company to make my financial records regarding over $25,000 in payments completely inaccessible to me. I can't believe that this is a legal action that this company, XXXX, has taken. If it is yet another transfer of my loan, fine, but why haven't I received some sort of record to date of what my current loan balance is along with the information about how my loan is being transferred? These companies should have an ethical obligation to provide such information before rendering their services unavailable to loan payers. Since they obviously don't have moral compass, it should be made a law to require there loan servicers to provided this paper trail {all it would need to be is a XXXX spreadsheet printout} before transferring loans, to prevent the new loan servicers from taking advantage of those of us that haven't been taking screenshots of every new balance after payment.  This is highly unethical and I am stressing out that this new loan servicer, Nelnet (who has zero info about me so far) might conveniently get my balance wrong causing undue stress and anxiety over having to prove that I have already paid down over $21,000 on this loan's principle. It happened to me before when I transferred from XXXX to XXXX and I had to make them correct it. It would have cost me thousands if I had not noticed. I am so sick of this XXXX. AND my interest on this federal loan is 6.75% < unethical to the max  > a sad story for another day.
Consumer complaint received 2022-05-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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