davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

On XX/XX/XXXX I took out a loan through Affirm for a XXXX XXXX for the amount of {$960.00}. 

I was laid off in XXXX of that year and after XXXX that next year I was behind and was unable to keep up with my monthly payments. In XXXX the remaining balance of {$440.00} was charged off to collections, where it was paid off in full on XX/XX/XXXX. 

In XXXX of XXXX upon checking my credit report on XXXX I found that the loan from Affirm was still there, listed as still holding a balance of {$440.00}. I disputed this balance as I am on record as having paid. 

The dispute was declined on XX/XX/XXXX so I disputed that result as well on the same day. On XX/XX/XXXX that dispute was also declined. I contacted Affirm and received a XXXX XXXX letter stating I owe {$0.00} balance. I reopened the dispute, and on XX/XX/XXXX it was also declined. At this point I had called both XXXX and Affirm multiple times, each of them blaming the other. XXXX defended that Affirm was declining the legitimacy of the loan verification letter sent, so I asked for information on the collections agency which they did not have as the account had been closed for so long. With a representative to help me, I reopened the dispute with the letter attached and it, again, came back declined on the XXXX of XXXX. 

I reached out to Affirm again and I explained to a supervisor the situation, to which they said they would open a ticket and get this resolved. I called back 2 weeks later to ask for a status update and was told that they would give me one in a few days. A few days past and they contacted me, giving me the same loan verification letter via an attachment and closing out the ticket. Desperately, I reopened the dispute a fifth time and, much to my expectation, it was declined today, the XXXX of XXXX. 

I'm writing this in hopes to escalate the action against the companies in question. This incorrect information has been dragging down my credit score for a few years and I'm starting to feel powerless against it.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (TX)

My Mortgage Company has been reporting my forbearance late as much as 150 days late. I have email, and sent letters to the company and all 3 credit bureaus about this being a violation. I have been ignored and the Mortgage company has only fixed one error. once I placed the dispute they changed my payment history from 120 days late to 150 days late. Once I paid and got caught up they sent me a refund check for over XXXX for over payments. They are refusing to correct the late payment history on my credit report.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Management Control, Inc. (VA)

I disputed the same accounts before. The result was to remove the negative information from my files, and yes it got removed. However, it opens the same debt amount under another name, making my credit score to go down. Im working very hard to have with my credit report and I do not appreciate for this company to make look bad when I working hard to have my record in good standing. 
Please help, these collection companies play with peoples life by doing/reporting whatever they want without knowing the consequences.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, Capital One did a hard inquiry on my credit report. I did not apply for a credit card nor authorize Capital One to make an inquiry on my credit report. I found out about the inquiry through XXXX XXXX, who sent me an email. 

Two days later, I received an email again from XXXX XXXX stating that there were more hard inquiries on my credit report. These were from department stores Kohl's/Capital One, XXXX XXXX/XXXX XXXX and XXXX XXXX/XXXX. Again, I did not apply for any credit cards nor authorize any of these department stores to run my credit. 

On XX/XX/XXXX, I called Capital One to inform them and also filed a dispute. Per XXXX, the person I spoke to, there was no card issued. I was also able to contact XXXX XXXX/XXXX XXXX and informed them of the ID theft and filed a dispute. Per XXXX, there was no card issued. 
I also contacted Kohl's/Capital One in the next few days and XXXX XXXX/XXXX on XX/XX/XXXX. 

In the next few days, I received credit cards in the mail from Kohl 's and XXXX. I called them again to let them know that I did not apply for any credit cards and I already filed a dispute and ID theft complaint. I cut the cards because I did not apply for any of those. I was told that there are no charges on the cards and I am not responsible for any charges ( if there would be any in the future ) associated with those cards. 

I am currently waiting for the outcome from all the investigation from these 4 banks/credit card companies.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MS)

Target XXXXCard services member since XXXX of this year and the company is ignoring my constant attempts to contact them regarding Fraudulent activity on my account. The payments I have been making are showing returned when the money is in my account. I accurately input my information several times to make my payments on time. Please investigate this as the TargetXXXXCard company nor their CSR agents care to help me. I have tried repeatedly to resolve this matter. I have contacted Target XXXXCard at XXXX as well as their customer service e-mail to no avail. I am being inaccurately charged fees because they are unhappy with my becoming upset due to their negligence. I dont mind paying what I owe but dont keep intentionally Returning payments to cause me to have to pay more fees because your company is in trouble. For gods sake I am a XXXX XXXX XXXX paying for health care and medical supplies needed to sustain life. Help me please!
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Ive reached out several of times to this company to resolve this issue but to no avail theyve yet to correct this issue. They are still reporting an paid account on my credit and its hurting my credit score every time they report it. Its shwoing a negative impact and its hurtinh me financially and causing great stress in my life as Im in the process of the home buying program and this negative impact is affecting me financially and emotionally. I need this removed from my credit, if we cant resolve this issue I will forward this information over to my attorney and I will be filing a lawd for damages and wages. I will also report this issue to the BBB and reach out to the local media about this company. I will file complaint after complaint until this is resolved.
Consumer complaint received 2017-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. 

I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. 

Thank you.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reporting duplicate accounts by the same data furnisher XXXX XXXX {$1100.00} and account {$12000.00}. XXXX XXXX 2 different accounts {$23000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. Lawrence v. Kenosha County, 391 F.3d837, 481 ( 7th Cir.2004 ). Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report {$44.00} information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( Westra v. Credit Contral of Pinellas, 409 F.3d 825.837 ( 7th Cir.2005 ) XXXX XXXX XXXX {$440.00}
Consumer complaint received 2018-01-27
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. (FL)

Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.
Consumer complaint received 2017-09-13
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. (NY)

Equifax exposed my personal information and left me vulnerable in to identity theft, by not adequately protecting confidential information such as my SSN, addresses, DOB, and ( potentially ) driver 's license number ( they have not even disclosed that ).
On top of this, when Equifax learned that my information, and the information of millions of Americans, had been compromised, they waited an entire month before letting us know. Only then were we able to take appropriate action to protect ourselves from this hack - Equifax deliberately kept information from consumers in order to make themselves look better.
Consumer complaint received 2019-05-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call at my work place today XX/XX/XXXX from XXXX XXXX XXXX ref # XXXX. They stated that I took a loan out with Ace Cash Express on XX/XX/XXXX. They did not tell me the amount. I have had to previously dispute a payday loan with Rise. I had to file a claim of fraud and send it to them to dissolve the issue. This is the first notice I have had of any debt owed to Ace Cash Express. I was then called by XXXX by XXXX who threatened to come to my work to serve me with court papers. I have not taken out a payday loan in over 10 years. They did not care that this was not taken out by me. I was told that I either had to pay the debt or they were taking me to court. I informed them that I was filing a complaint with CFPB and the FTC.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ADP Inc. (NY)

Received text to my cell phone number ( XXXX ) from Wisely Pay Alerts stating- {$75.00} has been loaded onto your Wisely card ending in XXXX. Your available card balance is {$74.00}. When I call customer service, XXXX I was aksed for my social security number, birthdate, name. I stated I do not have an account with you and you contacted me showing the last 4 digits of the account so you should be able to get to the account using that data. They stated need full acount number or social security number with name and date of birth. I told them I will be reporting to government fraud.
Consumer complaint received 2020-10-08
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. (TX)

On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (DC)

Signed up for a new account since I needed a local bank in the XXXX area. As advertised, I used the code XXXX to sign up and receive a {$200.00} new account bonus which would be paid out 90 days after the account was opened if you met the terms. 

I met all the terms, but have not yet been paid out for my bank account bonus related to their advertisement.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

I wired {$24000.00} to XXXX Coinbase Inc. on Monday XX/XX/2018. Anticipated time-frame 2-3 days for funds to arrive. I submitted a Support Case on Friday XX/XX/2018. On XX/XX/2018 I found an " Escalation form '' for Delayed Wires and re-submitted relevant information. As of today, XX/XX/2018 ( 13 business days ) I have not heard any response from them.
Consumer complaint received 2023-08-11
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. (PA)

After reviewing my credit report I noticed I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on a payment. This account XXXX  account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate Experian states I was late XXXX however XXXX and XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 

15.US Code 1681e- Compliance for Accurate reporting.
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BB&T CORPORATION (TX)

I have continuously tried to no avail to contact the lenders/payors to have all auto debits stopped but they continue to withdraw from my account. I have accrued over 7 OD Fees. I contacted the bank on the XX/XX/XXXX to let them know what was going on and asked for a new account but they did not do it. Instead I was told to file a fraud claim. They have refunded the claim amount but did not refund the OD Fee as a result of the unauthorized charges. My account was charged a few fees as a result. I have since this time accrued another debit from my account and have had my account assessed for 2 OD FEE ( {$72.00} ) on XX/XX/XXXX. If I had a new account number, I would not have been charged the overdraft fees. I should've had a new account on XX/XX/XXXX after I filed the claim with the Fraud Department
Consumer complaint received 2020-10-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (IN)

PayPal asked me for a photo ID, I have used my PayPal account for 20 + years already. PayPal put a limited access tag on my account, I received ZERO NOTICE of this. PayPal is asking me for receipts of items from a distributor I sell on EBay but I do not have receipts as all  these items were bought by me on XXXX over the past 20 years. I am simply unloading/selling a collection of rock patches that average about {$9.00} a piece. I do not operate a business on XXXX. I have perfect 100 % + positive feedback on XXXX too, so there should be no need for PayPal to limit my account. By limiting my account, PayPal will not allow me to withdraw that funds I have in my PayPal account. I tried calling PayPal but when you hear the automated system state there is a wait time of 1 hour to 2 hours and they are going to transfer you to put you in line to wait for a customer service agent, PayPal then drops the call or in other words PayPal hangs up on you. There is zero way to resolve the matter online or over the phone then.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I had credit cards stolen out of my lost wallet.I reported cards stolen within XXXX. I had a total of XXXX credit cards in my wallet. XXXX of which were Bank of America. The other XXXX had charges but were denied by XXXX, XXXX, XXXX Bank. I was called and questioned about charges and asked if I had my drivers license. I answered yes because I had to get them replaced. They said my license was used in purchase so they were going to deny me and make me responsible for charges. I continued to pay the debt left on card before they were stolen. Once balance was paid I refused to pay charges from the fraudulent charges to my card. They have continued to run down my credit score. I need some help stopping this.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cash Express, LLC (TN)

I received a letter from The XXXX XXXXXXXX XXXX XXXX XXXX stating that Cash Express LLC has filed a lawsuit against me in XXXX XXXX Tennessee, Docket # XXXX on a old debt. Im on Social Security and I am XXXX XXXX XXXX.
Consumer complaint received 2019-03-05
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: Westlake Services, LLC (GA)

I purchased a XXXX XXXX XXXX XXXX XXXX from a car dealership and financed it with Westlake Financial in XX/XX/XXXX. The term is 48 months. I have a hard time understanding how I'm getting late payment on my report and my insurance company XXXX wrote this company a XXXX dollar check. However, I was responsible for XXXX. I had gap insurance but the company they dealt with only paid XXXX dollars. My complaint is : a company should not put inaccurate information on a person credit report. My term is 48 months and I'm not behind on my payments, I have several years to pay this loan.
Consumer complaint received 2020-10-08
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. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (TN)

I have been trying to reach my loan company since XX/XX/XXXX. I needed help accessing my account to make a payment on my loan. BBT transferred to Truist requiring a new application on my phone and I needed login assistance. Could not get anyone to help Friday XXXX XXXX. There fore making my payment late. I tried again on Saturday to get into my account and successfully got in but then the desktop version would not let me select the date, but instead populated itself and then gave me an invalid date message. I again tried to reach the institution and the only 24 hour number I could call was for Credit card only, who transferred me to technical support who was closed. Flash forward Payment finally made on XX/XX/XXXX, now really late. At this point with the frustration I called to get pay off information to try and refinance the loan. Tonight XXXX I called and chatted the company. XXXX chatted me that in order to get the statement I needed to CALL. I informed her of the trouble I had in which she noted. I then continued to hold on the same number I was instructed to call but already had. When XXXX answered he informed me that he also could not help me especially with it being after hours in which I informed him I held for 45 minutes and could not help that it was now closing hour. He informed me that both the website and XXXX informed me incorrectly and I would need to fax a request for payoff information where I would not get it back until 24 to 48 hours. The company refuses to help customers by anwering in a timely manner, handling financial accounts with efficiency, etc. I work in customer service and am appalled at what it takes to get ahold of someone at this financial institution, let alone get what I need to try and take my business elsewhere.