davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Affirm Holdings, Inc (CA)

My Affirm XXXX  account ( account number : XXXX ) had been under fraudulent attack, Affirm partners with XXXX XXXX XXXX for the XXXX  accounts. The fraudster withdrew my original {$200.00} from my Affirm XXXX account and the fraudster also withdrew XXXX {$1000.00} transactions from my XXXX account ( account number : XXXX ) which is linked to my Affirm XXXX account. The 2 {$1000.00} withdrawals happened at different times around XXXX days difference. 

I contacted Affirm immediately when I noticed these transactions and Affirm responded that they would need time to investigate, and I requested that while Affirm is doing the investigation, can Affirm at least put a restriction or hold on my account to prevent the fraudster from doing any future actions, Affirm refused this request. 

Since Affirm refused to take any action on my account, I decided to contact XXXX, but when I tried to call XXXX, it was already out of the XXXX fraud claim team 's office hours, so I decided to call XXXX the next day. But at night before I contacted XXXX and before I knew XXXX could reverse all the fraudulent transactions, I noticed that XXXX of the {$1000.00} fraudulent withdraws ( here is the withdrawal from XXXX and deposit to Affirm XXXX account ) had arrived at my Affirm account, and this made my Affirm total balance of {$1000.00}, the {$1.00} was the left over of the fraudster. At that moment, I didn't know XXXX could make up for my loss and also, I believe the fraudster also took action at any minute, I decided to withdraw this {$1000.00} back to my XXXX account myself, because I had no choice, because at that time, if I did not withdraw, the fraudster would. And again, this withdrawal also needed to take XXXX days to arrive at my XXXX account, it did not arrive instantly. 

The next day I contacted XXXX and reported all the fraudulent transactions in my checking account, beyond my expectations ( because I think these fraud actions did not happen to my XXXX account directly, XXXX might not have the responsibility ), XXXX agreed to reverse the XXXX {$1000.00} transactions for me ( plus another {$1300.00} fraudulent withdraw in my Affirm XXXX account ). At that time, there was no way I could report this {$1000.00} deposit made by myself to XXXX because it had not arrived at my XXXX account yet, and at my Affirm XXXX account I could not cancel it because it showed as 'pending '. 

After I saw XXXX reversed my transactions for me, I decided to contact Affirm to cancel the doubled transactions made by me and noticed that my Affirm money account was closed and I could not take any action. At the same time, Affirm and its partner XXXX XXXX XXXX made the wrong statement to XXXX to report my Affirm XXXX  account and my XXXX account as fraudulent accounts and caused XXXX to close my XXXX  account, and XXXX XXXX XXXX Charged off the {$1000.00} overdraft in my Affirm XXXX account. Moreover, there is also no way for me to claim my actual fraud loss of {$200.00} anymore.
Consumer complaint received 2021-08-05
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. (GA)

I filed a complaint with Equifax to have so inquiries removed from my credit report, Equifax deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my Equifax credit report that I want deleted I do not recognize these inquiries and would appreciate if Equifax delete these inquiries, I have filed a FTC identity theft report and sent to Equifax, you can not get all these inquiries on this FTC report, so Im sending the screen shots to Equifax and show them that the rest needs to be deleted
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

I was on a forbearance plan through covid. I applied for a modification on XX/XX/XXXX. I made the 3 on time payments needed to be accepted for the modification. I was going to make my XXXX payment on XX/XX/XXXX and I could not online so I called and they told me I was denied for the modification and could not make a payment. 

My XXXX year old son and I live in our home. I have lived and paid for our home since XXXX. We love our home. I was let go for covid in XXXX of XXXX. I can make payments now and they wont let me? 

How can they do this?
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (WI)

Upon reviewing my credit report recently, I noticed an error in regards to American First Finance. It is being reported as derogatory and closed with a XXXX balance, despite this account being satisfied in full. I've sent letters that have been returned and sent emails. The creditor can't seem to find information regarding said account but refuses to delete said account from my credit reports. This is a violation of the FCRA, as only current and accurate information is to be reported. Furthermore, if an account has been satisfied in full then it is illegal to report as derogatory.
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (TX)

I have send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NE)

Car loan was paid in full on XX/XX/XXXX. Company submitted on XX/XX/XXXX to credit bureaus that I was 90 days past. As of XXXX they submitted I am 30 days past due.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a used vehicle at XXXX autos XXXX XXXX it was a XXXX XXXX XXXX Ex about XXXX miles on it. The actual price was {$2000.00} after everything it came to {$6100.00} i thought that was a bit much but i really needed a car i was working 2 jobs at that time i was making my payments on time never missed one payment then the car keep giving me problems i spent about XXXX on repairs from the day i brought the car it was in and out of the shop i even try to return the car the dealer said i could n't so eventually the car broke down barely last me 4 months so i told them to come get their piece of garbage because im not wasting another dime he told me if i did n't make the payments he will take me to court ive been waiting ever since but because of that its effecting my credit very bad. Please help.
Consumer complaint received 2024-05-04
Product: 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 (KS)

My bluebird card was stolen by an unknown person. They also stole my phone. They were able to change the card pin, probably by using the app on my phone, and then they used an ATM to withdraw all my funds. The Bluebird company won't refund me. I filed a formal fraud claim but they denied it. This directly contradicts their terms which says Fraud Protection. If your Bluebird card is lost or stolen, know you won't be held responsible for fraudulent charges. I have been a loyal customer for over 10 years and never caused any problems so I don't know why they are defrauding me now.
Consumer complaint received 2017-11-15
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. (FL)

I have previously disputed this account with all 3 bureaus and while XXXX and XXXX deleted it, TransUnion continues to report it without having legally verified it. I 'm well aware of my rights and this includes knowing that TransUnion can not call the company. Their response was that they called this collection agency and it was verified. I 'm well-versed in the FCRA regulations and know for a fact that a phone call is NOT, in any state, legal verification. Seeing my name on a screen is not possessing the physical documentation. They are not allowed to just repeat to me what was said during this phone call and must perform an independent investigation, obtain the actual documentation and forward it to me. There 's NO PROOF of ownership and if this is how they " verify '' accounts, then that means I can claim that anyone, including the person reading this complaint, owes me {$100.00}. Or {$5000.00} or {$500000.00} for that matter. 

Directly from my dispute : I would like for you send me the paperwork with my signature on it for this XXXX XXXX XXXX XXXX. Im aware that legal verification is required to keep a disputed item on my credit report, and that calling the company to find out if this account is mine does not pass for legal verification. In XXXX XXXX TRANSUNION XXXX, Congress states that the burden of proof is on the bureaus and creditors not the consumer. Having said that, you can not keep this collection on my credit without the required paperwork that follows the account. Id done my research and have not only read through lawsuits, but Ive also poured through testimony from ex-personnel from the credit bureaus. These people testified to the fact that the CRAs are required to have the paperwork verifying the accounts prior to even reporting them! So, if youre required to possess this paperwork, then it should be very easy for you to send it to me. If youd had any paperwork, you would not have called this company to verify. You are not at all allowed to parrot what the creditor has told you, because seeing my name on a screen does not pass for legal verification.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

In Accordance with the fair credit reporting act this creator has violated my rights. I have the right to privacy. also states a consumer reporting agency can not furnish an account without my written instructions. A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2021-02-08
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. (MI)

I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.
Consumer complaint received 2021-09-01
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2015 with a balance of {$23000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Consumer complaint received 2017-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/XXXX my employer has sent {$120.00} through XXXX XXXX using my email address. 
XXXX supposes to be credited to my personal account with Bank of America. Unfortunately, I was never notified that the transfer had happened, and when I 've checked the money had not arrived. At first, I 've emailed to my employer to find out why did n't I receive that sum. In response, my employer provided me with confirmation of the transfer. I called my Bank asking where is money, but they said that XXXX needs to file up a claim to find out what happened. XXXX filed up the claim with Bank of America and discovered that my money went to the different account with my email address, meaning someone else who has an account with Bank of America registered my email address and the money was accepted by that account holder. I am disappointed because the service was not performed correctly and on the top of everything someone registered and used my personal data. In this obvious fraudulent case, Bank of America cited privacy/data protection laws and refused to tell me how was that account holder, who accepted my money. As a result, I could n't ask him/her for what 's truly mine. 

Then I 've sent an email to the Senior Claim Analyst at Bank of America asking to solve this problem, but the lady mailed me back saying that I need to contact initiating financial institution and so on ... Until now this problem is unsolved and Bank of America does n't seem to care. 


I look forward to your reply and hopefully a resolution of my problem.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

Complaint Summary : I am filing a complaint against Sofi Bank due to their failure to assist in resolving a billing error for a purchase where merchandise was not received. 

Details of Complaint : On [ XX/XX/year> ], I made a purchase in the amount of [ Amount ] from [ XXXX ] using my Sofi Bank account. However, I never received the merchandise despite multiple attempts to contact the merchant. 

XXXX advised me to file a dispute with my banking institution to initiate a chargeback due to their inability to resolve the issue on their end. I promptly contacted Sofi Bank and provided all relevant documentation, including proof of purchase and communication with the merchant. 

Despite my cooperation and repeated requests, Sofi Bank has failed to initiate a chargeback or provide any assistance in resolving this billing error. This lack of action has left me without the merchandise I paid for and without a refund.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (PA)

On XXXX XXXX 2017 midwest Recovery placed a derogatory item on my credit report without written notification of debt or attempt to collect a debt. I have no idea what this debt is for nor was I given any written notification of such debt before it was placed on my credit bureau report. This is a direct violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I attempted to dispute the debt through the credit bureaus ; however was told that the debt is valid but I am unable to obtain information as to what the debt is for or given the appropriate opportunity to dispute or pay. Based on my credit report information it seems to be a medical bill ending in XXXX and the lender information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. This is a direct reflection of UDAAP specific collection tactics as I should be provided notification before this is reported or at least 30 days after it being reported of what the debt is.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Aldridge PIte Haan, LLP (KY)

ALDRIDGE P. HAAN, LLP SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (FL)

Someone stole my personal information and opened credit cards without my knowledge. The way I found out I had a XXXX Barclays credit card was through XXXX XXXX I called Barclays and after reporting the incident the lady over the phone told me someone made a purchase with a physical card I did not know it existed.YesterdayI called Barclays because my credit scores went down and they told me the fraud case was declined because they used a physical card. I asked them how can they honor a large purchase which I have never made without id.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (CA)

I recently had a high balance of around {$1700.00} with my Destiny credit card. Part of that balance was two over limit fees ( {$40.00} and {$30.00} ) and three returned check fees. I had opted out and f over limit coverage and to my understanding by opting out of the coverage, I would not have over the credit limit fees. In addition to those fees, Destiny card ( Concora credit ) had closed my account. 
They state they closed my account due to to many returned, unpaid payments, which I understand to a point. As I had provided the incorrect account for payment in error. 
I had explained that and asked Destiny credit card for forgiveness and to reinstate my solid account. I have not only paid off my outstanding balance, but part of that balance was utilized for over the credit limit fees unfairly Additionally, destiny credit card is refusing to mail me a check in the amount of {$49.00} that I have over paid and denying to refund me the two over the credit limit fees of {$40.00} and {$30.00}. I had also asked as a courtesy if they could Wave as a one time courtesy the return check fees, which I was also denied
Consumer complaint received 2022-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report. 
Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

In a separate mailing, I received notification that Synchrony Bank is forcing me to receive electronic statements. They are adding a separate fee of {$1.00} for paper statements going forward. Mandatory fee of {$1.00} for paper statements. 
There is no notice on the statement that paper fees will be mandatory. 
I believe that is unfair and discriminatory to those clients that do not have a computer or smart phone and can only get statements by mail. 
I called Synchrony and let them know about this procedure and they did not have a credible response. 
I also believe that this is an unfair " tax '' for those people that don't have electronic means to handle their payments.