davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am losing my home to foreclosure. The mortgage company Select Portfolio Servicing had sent me a letter with a number and email address for someone I can ask questions about my situation. I emailed them to ask if there was anyway that they can delay the foreclosure sale for a few months due to the fact that I ca n't find a place to live. I am recently divorced. My ex-husband ruined my credit, so I am having a hard time finding a place to live. They did send me a letter telling me that they would give me {$3000.00} if I leave the house. That sounds great but If I do n't have any where to live, that wo n't help. I never received an answer about delaying the sale. This is a really stressful time for me. It 's bad enough that after 25 years they are taking the house, but I need some more time to find a place to live. My car is n't big enough for my belongings. This mortgage company always stresses how much they want to help me. They have done nothing for me except create more stress in my life.
Consumer complaint received 2021-05-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (TX)

Hello, On XX/XX/XXXX XXXX well over one year ago ) I bought a XXXX XXXX  Concert Ticket for my husband through XXXX but financed the purchase through Affirm. The ticket purchase was in the amount of {$680.00}. 

The XXXX XXXX concert was canceled due to COVID-19 and the status of the concern is saying " TBA. '' I have asked both XXXX and Affirm to refund me my money but XXXX tells me that they can not cancel and refund the ticket unless the concert is showing a " cancelled '' status and Affirm is telling me that they can not refund my money until XXXX tells them to refund my money. 

XXXX has refunded everyone 's money on their XXXX XXXX ticket that requested one due to this show being cancelled even when showing a TBA status. 

We do not want to way for literally " years '' to get our money back on the ticket and we bought the ticket for a particular " date '' which was for XX/XX/XXXX at the XXXX XXXX, XXXX, Texas. 

Please help get me my refund. The Affirm ticket financing was paid off in full on XX/XX/XXXX. 

Both companies XXXX and Affirm are giving me the runaround about my refund request. Again, XXXX says they can not refund any concert ticket that is showing a status of " TBA '' and Affirm is telling me they can not refund my money until XXXX tells them they can. 

I would like to file a complain on " both '' of these companies - XXXX " and '' Affirm. 

We have waited long enough for XXXX XXXX XXXX band to figure out what they are going to do. 

Thank you very much! 

Sincerely, XXXX XXXX, XXXX.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TX)

This is my second and final attempt to get this matter resolved with out additional council from my states AG being involved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX  FTC as well as my States Attorney General. 

My first letter to your company was sent in on XX/XX/21. My letter was to inform you of the erroneous, inaccurate, unverifiable, and incomplete items on my report. It was also informing you that my information was involved in the Equifax data breach. 


The listed items are completely inaccurate and incomplete. This is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had more than enough time to complete your investigation, and you have failed to respond with in that given amount of time ( 30 days XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2021-03-28
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. (PA)

XXXX XXXX  Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX  XXXX  Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2021-12-02
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

in 2007 I started a Dial up internet plan for my mother at her home. XXXX XXXX XXXX made this dialup service a Long distance number. Every time my mom went online she was charged exponentially because of the long distance number that was created for her service. Resulting in hundreds of dollars on her first bill. When I received the bill, Immediately called XXXX XXXX XXXX to find out the issue. Customer service said that it as because they accidentally made my mothers number a long distance number, but refused to change what I what I owed for the month 1/2 of service. I spoke with them many times and they would never lower it. This happened over 14 years ago. I believe XXXX XXXX XXXX sold this old debt to a collection company and now they are trying to collect it as new.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Some background : I created a Venmo account in XXXX XXXX. The account had been normal before XX/XX/XXXX. I had only two activities : 1. Venmo offically paid me {$10.00} for bonus on XX/XX/XXXX. 2. I received a payment of {$770.00} from another guy on XX/XX/XXXX. All these two transaction were completed immediately, and the account showed normal. 
What happened : On XX/XX/XXXX, I suddenly received two emails. The first one said my account had been frozen and they need my ID to unfroze it. The second one said the payment of {$770.00} was reversed. Note, the payment had been finished for 4 days, this should be my money. This means they directly transferred my money to another account without my permission. I immediately uploaded a copy of my driver 's license and contacted the customer service. The representitive checked my account and told me this should involve another team and need to wait for 5-7 business days. I said they could verify my account later, but I needed to confirm my money was safe immediately. However, the representitive only said they would contact me later and left without notifying me. Then I had to contact them again. Besides inqury about my money, I also asked to file a complaint against the previous agent. The second representitive also told me I need to wait and he could not do nothing. To my understanding, such customer service we can reach only forwards the case the backend team, they don't have any authority to solve any problems. So I asked to contact people who can fix the problem directly. The representitive still told me to wait. Honestly, It is unbelievable that, as a financal company who directly hold money, the customers can not contact agents who can solve the problems directly. 
On XX/XX/XXXX, I got an email that my account had been unfrozen. But untill now, there is no one contact me about my money, even after I sent them emails multiple times ( this is their recommended way to contact ).
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the  FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX   XXXX XXXX XXXX Unverified Account Chase Card XXXX Unverified Account XXXX XXXX   XXXX Unverified Account
Consumer complaint received 2021-05-07
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. (TX)

This is my second and final attempt to get this matter resolved with out additional council from my states AG being involved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My first letter to your company was sent in on XX/XX/21. My letter was to inform you of the erroneous, inaccurate, unverifiable, and incomplete items on my report. It was also informing you that my information was involved in the XXXX data breach. 


The listed items are completely inaccurate and incomplete. This is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had more than enough time to complete your investigation, and you have failed to respond with in that given amount of time ( 30 days ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (FL)

I have a loan with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TX)

The date of my first letter was XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. I want the erroneous, inaccurate, and incomplete items on my report to be deleted immediately. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

This is my 2nd and final attempt to get this matter resolved. Any further attempts will include additional complaints to the BBB, FTC as well as my States Attorney General 's Office. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation immediately by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2021-05-07
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)

XXXX XXXX said theyd make a one time exception for the missed payment due to the bank era with XXXX in switching over. It was completely out of my control. 

I am trying to purchase a house and because of this I wont be able to until XX/XX/2022 at earliest. Please help.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (UT)

Gurstel law firm  continues to send request to pay alleged debts that were due to fraud including amended complaint to the XXXX  DISTRICT COURT in XXXX  UTAH. XXXX   XXXX has all the police reports and FTCID theft reports XXXX. DELIVERED XX/XX/2019
Consumer complaint received 2019-08-19
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. (FL)

I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX  - XXXX - XXXX  2019 - XXXX XXXX XXXX XXXX - XXXX 2019 - $XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) .Ally financial XXXX ) .XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX XXXX .XXXX  XXXX XXXX  XXXX ) .XXXX XXXX XXXX XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (NY)

Chrysler capital ruin my credit score, they charge high interest rates and the costumer service is horrible, I had one late payment since 2018 and they did a bad report to my credit score, please check this companys review and complains. 
Chrysler capital doesnt have any respect and consideration for the costumers.
Consumer complaint received 2024-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc. (UT)

Before dealing with Mountain Land Collections, I had never failed to pay a single medical bill in my life. I almost never received medical bills before hearing from Mountain Land Collections. Most of the amount was due to the failure of the bills being run through insurance, which has always been provided prior to any medical visits. Bills often went to Mountain Land Collections without me receiving a bill or having a single conversation. After that, Mountain Land Collections wouldn't rectify any of the mistakes made when bills weren't processed through insurance. They continued to threaten additional charges if I did not pay money I didnt owe. Mountain Land Collections sued me for a mere {$360.00} that I didn't owe and underhandedly obtained a default judgment against me for {$1100.00}. Their entire billing process is disorganized and unethical. They take advantage of honest and responsible people.
Consumer complaint received 2024-03-27
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America froze my edd account out of the blue. Was given multiple explanations and the run around when I contacted them multiple times. Was force to appeal the decision that bank of America made. Which was to establish identity that I had all ready done with the edd office. 9 months of being asked to establish identity once again with the edd appeals office. Only to be asked to establish identity with bank of america. With the help of local officials offices, won the appeal. From XXXX to XX/XX/XXXX I received my unemployment. Then XXXX XXXX  my card is froze and the beginning of my down fall began cause of this.
Consumer complaint received 2023-02-22
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-07
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. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2023-02-23
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. (MI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Account : XXXX XXXX XXXX XXXX XXXX XXXX 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.