davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Affirm Holdings, Inc (CO)

I am a senior citizen and in XXXX of XXXX I opened an Affirm savings account to save money for XXXX XXXX. The account number is XXXX. I set up automatic withdrawals from my checking account to my savings account for {$50.00} a month. In XXXX I found I could no longer access my account through Affirm.com online with my computer. They apparently changed all their access to cell phones only. I could not access my account with my cell phone even after numerous calls to the company. I spent hours on the phone from XXXX to XXXX with no way to access my account to spend my funds for XXXX. I could not afford to use the money in my checking account so most of my XXXX shopping had to be canceled because of Affirm 's lack of response and efforts to resolve my situation. On XX/XX/XXXX I spent another hour on the phone with an Affirm representative, I canceled my account and asked that my savings be returned to me to the checking account they were withdrawing from, and to have all future automatic withdrawals canceled. On XX/XX/XXXX, I resent the copy of the requested bank statement for my checking account that I sent on the XXXX while I was on the phone with the rep. I have since found out there are over XXXX complaints online against Affirm and this very subject. I am appalled that a company would fail to respond while acting as a bank, to refund a consumer 's savings and I believe this is against the law and that laws have been broken. I believe the CFPB needs to investigate not just my case, but investigate this company for fraud.
Consumer complaint received 2018-02-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.
Consumer complaint received 2022-05-01
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 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 an account without my written instructions
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

I have completed a 3 year lease with XXXX XXXX and returned car with no damages. I took video and pictures for my own protection in case of something like this on the day of my return to the dealer at XXXX XXXX XXXX in XXXX California. I did have over mileage and I expected that but now I have received a statement for not only the excess mileage but also damages, disposition fee, and taxes for a bill of {$3200.00}. I called yesterday and spoke to XXXX at XXXX XXXX he said they will give me extension until XX/XX/2018 but payment had to be in full and only by checking or ATM debit. No credit card payment at all. I was not disclosed of any disposition fee or damages at the time of my return. There were no damages. I have proof of that. XXXX said I see you turned in your car on XX/XX/2018 and the report was dated on XX/XX/2018 two days later i will send you a kit? to dispute damages? XXXX stated that the report said there are damages to the front bumper and rear? 
I am asking for your help in this matter because When I was at the dealer I was told that they would take care of all the charges if I purchase or lease with them and I said great, I chose a car and test drove another and when we couldn't come to an agreement I said no thank you, I will go elsewhere and walked out of the dealer. I leased a new car that day with another Dealer. 
I have worked very hard on making sure I made every payment on time and completed my lease with Hyundai and I feel it's unfair that now I have these charges that are not valid.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

XXXX XXXX has placed an illegitimate debt with Convergent ( a debt collector ). 

On XX/XX/2017 at XXXX XXXX, I called and some to a representative named " XXXX '' with the service code " XXXX ''. After stating that my account was cleared, there was a XXXX balance and I would incur no charges XXXX refused to transfer me to a supervisor after several requests so that I could confirm the XXXX  balance. 

Since then, they have placed a debt for collection, presumably reported to credit bureaus, all in direct contradiction of their own representative and to the detriment of my credit history and continual harassment by a debt collector attempting to collect a charge that XXXX XXXX own representative says would not be charged and refused to confirm with a supervisor
Consumer complaint received 2021-07-05
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-05-01
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 US DEPT OF ED/GS 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 an account without my written instructions
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a collections manager. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a collection manager. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a collections manager, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2020 I contacted what I thought was a dog breeder in XXXX for a sale of a dog, we had communicated back and worth a bit, which I have copies of if needed and I agreed to purchase a dog, once I agreed they asked if I had paypal/venmo, so after some conversation I sent monies via paypal/venmo, then I was sent a confirmation that they received monies and I was sent a tracking number after another conservation of shipping the puppy and I was told the puppy would be here in the next 24 hours. I then agreed to send another amount for the insurance of puppy. I never received the puppy. I then contacted the contact person and transportation company with no success of getting my monies back. I contacted the police right away and they have been doing a on going investigation with no success of getting monies back. I called paypal/venmo and they were no help at all. Total amount was {$1700.00} breeded was XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (CA)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (SC)

I tried to contact my mortgage company ( ServiceMac Mortgage ) and their 'customer service ' number does not give you any option to speak with any type of customer service rep. It only takes you around in circles and offers no additional numbers or contact information to ANYONE! 

My online account shows a difference in what my payment amount is so I don't know if their amount is incorrect or if something changed making mine incorrect. 

I have a super credit score and don't want this discrepancy to cause a bigger issue in the future. 

Below is what they have on their website : Contact Us Information : _______________________________________________________________________ Contact Us Our goal is to provide 24/7 access to your loan information. 

To access your loan information : Call our XXXX XXXX XXXX XXXX form any touch-tone phone XXXX. 

If you have questions or concerns : Call to speak with a Customer Service associate. 


Customer Service : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX
Consumer complaint received 2018-02-13
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: SLM CORPORATION (WA)

I am writing this because Sallie Mae has wrongfully added a 60 day late notice on my credit reports in XX/XX/XXXX. Allow me to explain. 

I filed for a chapter XXXX bankruptcy on XX/XX/XXXX and the Bankruptcy Court initiated an automatic stay. Sallie Mae sent me my last statement on XX/XX/XXXX, and they deactivated my online account access once they received the automatic stay notice. The bankruptcy discharged on XX/XX/XXXX. Sallie Mae then sent me a letter on XX/XX/XXXX, notifying me that they noticed that the bankruptcy case was concluded and that they will be sending me correspondence relating to my loan and that they restored my online access. They then sent me my next statement on XX/XX/XXXX, and I proceeded to pay them. Now I check my credit report and it shows a 60 day late status on XX/XX/XXXX, which is between the time that the bankruptcy case was active, I received no bill for, and my online Sallie Mae account was deactivated. 

I have disputed this with the three major credit bureaus, of which I have only heard back from XXXX so far. The results of the dispute says " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I feel that Sallie Mae didn't even look at the facts I presented. I am trying to rebuild my credit after a bankruptcy and I do not need a recent 60 day late status showing on my credit reports. Please help me to correct this inaccuracy.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

To whom it may concern : In the beginning of the month of XX/XX/XXXX, I received in the mail a manila envelope marked priority mail 2 day with 5 personal money order checks Citibank logo. The amount was for {$850.00} each check. The checks were marked XX/XX/2018. I brought them down to my bank at XXXXXXXX XXXX, spoke to the bank manager who verified that the checks were real, said it would take 24 hours after depositing the checks into my checking account to clear, then I would be able to withdraw, having the balance in the account. I waited. After the 24 hours, I withdrew XXXX of the money to start paying off bills, doing groceries and gas. On XX/XX/2018, I received a letter from my bank, dated XX/XX/2018, stating that they were taking back the 5 check amounts of {$850.00} each. I called the customer service number, that is 24 hour help, spoke to a representative who said that what was showing was that Citibank was now saying that they were not going to cash the checks. 
On Monday, XX/XX/2018, I called the Citibank customer service number. The gentleman I spoke with could not verify why without speaking to the person who sent the checks. All I had to go on was the name on the envelope. ( I have included pictures as well of the 5 checks with the envelope. Also the letter from my bank with copies of the checks ).

Right now, my account is negative almost {$3900.00} because of this. ( Please refer to picture included ). I am on a very limited income and can not afford this. 
On XX/XX/2018, I have received another 5 checks in a manila envelope, in the same amount just with different person and address on the envelope. ( Please refer to included pictures ). 
On closer look to the checks from both times, everything is the same. 
Please help me what to do about the negative almost {$3900.00}.
Consumer complaint received 2021-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America XXXX $ interest 4 % XX/XX/2021 My XXXX score according to XXXX is XXXX. However Bank Of America is claiming that they pulled credit from XXXX at XXXX. Approximately XXXX, my interest was XXXX %, which they stated they pulled from XXXX. Which ever the case, Bank of America is reporting conflicting credit bureaus with deflated XXXX scores. They have also committed fraud on my credit card. Unknown balances appear on my Credit Card.
Consumer complaint received 2020-06-04
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. (LA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}
Consumer complaint received 2022-05-01
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 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 an account without my written instructions
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I signed a loan from Credit Acceptance at XXXX XXXX ( XXXX Mi ) on XX/XX/2019. When I signed the loan they took a {$4000.00} down payment but charged it as credit on the loan application. I was told I can make this report if I feel the loan is fraudulent. The payment did not go towards my actual loan.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX & account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX & XXXX XXXX XXXX account # 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 2022-02-02
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

TDBank upgraded their entire banking system over the weekend of XX/XX/XXXX-XX/XX/XXXX, with a promise of access to my account on Monday, XX/XX/XXXX. 
I have not been able to access my checking account since last Friday XX/XX/XXXX. System was  telling me that my username or password was not correct. It was correct. Having Been using it for many years now. 
Earlier this week I tried to contact customer service. Was told that the wait time was 20 minutes. After 1 1/2 hours on hold I hung up. 
On Monday, XX/XX/XXXX, Called my local branch in XXXX, NJ. They told me they were having major problems. Inferred instead that my brouser may be out of date. I told her that I was using an XXXX that was completely up to date. Also that I could not also connect via a Laptop computer. She told me to give it one more day. 
I have tried every day to get access to my account with no success. 
Called support today, XX/XX/XXXX. Recorded message told me that they are still trying to fix their problems following the UPGRADE. Refused even to allow me to connect with customer service. 
Please contact them and push to get them moving to fix their problem. 
What are the rules on not allowing customers to access their bank account? 
Call their customer service XXXX. See what they tell you.