davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (PA)

I used affirm.com as a service to pay for a product in a payment like form from a company called XXXX. I purchased the hair on XX/XX/2024 so that I could have the hair for a XXXX appointment as they claimed to do 1 day shipping. The hair did not ship in 1 day so I reached out to the company and asked when would the hair be shipped and stated that I was in assumption that it would be shipped in 1 day. They emailed me back the same day and stated that it was being shipped tomorrow. I missed the window for my appointment. I received the hair and the hair was very thin and not full which was very different from what they advertise on their XXXX website. I paid $ XXXX dollars for this hair. I emailed the company and expressed my concerns about the quality of the hair with pictures comparing it to how another companys hair quality looks and where we should go from here. They never responded. I followed up with another email. No response. They have a 14 days grace period before you can even think about a return, so I decided to dispute hoping that would alert them to my issue. Affirm dragged their feet during the entire process. I had to reach out several times asking for updates, to which they would say our team is still working on this. They never informed me if XXXX XXXX XXXXXXXX responded. Toward the end they decided re-ask for all of the information that I gave them already and threatened me to give it before a certain date or it would be ruled in her favor. And eventually stuck me with a bill with a product I dont even want!! All I wanted was for XXXX to respond for a replacement or for me to be able to send the hair back. Affirm was supposed to be the middle man, it seems like they werent able to reach her either and now theyre trying to stick me with this issue. I called their customer service after they resumed my payments WITH the dates that it was paused tacked on making my loan appear to be behind ALTHOUGH I couldnt even make payments because it was paused explaining how I not only didnt appreciated the outcome nor how they resumed my payments as late and didnt even update my payment dates.. The customer service agent was very nice and understood the situation and decided to appeal my case. My case was reopened to the same guy named XXXX XXXX who is completely dismissive and inconsiderate and does not care about my case .. so I know there will be no other outcome with him working on it. I dont understand how one can see the need to appeal and then have one who drags their feet and rushes it to a dead end.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was expecting wiring instructions for down payment and closing fees on a home purchase, and received fake wiring instructions pretending from " XXXX XXXX XXXX, P.A. '' which were sent from from XXXX account as " XXXX '' Received several emails starting XX/XX/2022.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern : On or about XX/XX/19 I contacted CapitalOne to inform them of an issue regarding a refund that I was waiting for, in the amount of {$400.00}, from a total charge of {$440.00}, charged by : XXXX, CA XXXX Purchased : Tue, XX/XX/2019 Posted : Thu, XX/XX/2019 Purchased By : xxxxxx Appears on statement as : XXXX XXXX XXXX CA XXXX USA. I received the refund, in the form of a check, on approximately XX/XX/19. In the interim, Capitalone offered to redeposit {$400.00} towards my Mastercard, however they were remiss in disclosing that they would be contacting the merchant or withdrawing {$400.00} from the merchant 's bank. Had they done so, I would have declined to receive the credit. I contacted CapitalOne by phone and spent more than two hours with their representatives, attempting to cancel and withdraw the complaint, and reapply the {$400.00} charge to my account, however they refused to do so. They are forcing me to wait until the merchant responds, even though I have, as the account holder and consumer requested otherwise. This is absolutely unnecessary, and it is harmful to me, as I continue to do business with this merchant.
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc. (GA)

For the 3rd time since having this car the loan company has taken full payment for the month the loan company then cuts the car off manually so that Im not able to go to work nor take my children to school. Hugh inconvenience to my life and it cost more money from myself. This loan company has also added XXXX dollars to my loan after a year of having the car and never sent me a reason. I am now stuck home and unable to go to work because the company cut the car off. After I made a payment on XX/XX/2020
Consumer complaint received 2020-02-19
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: Experian Information Solutions Inc. (IL)

Dating back to XX/XX/2019, I have requested from Experian, under the FCRA to verify inaccurate items on my credit report. I also requested that if such information can not be verified, to please delete the inaccurate items and to also send proof. Through various attempts, they have failed to delete the items from my report, which has in return made it extremely difficult to obtain new credit. This is very frustrating for me and request assistance in handling the issue.
Consumer complaint received 2021-05-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (FL)

After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Puget Sound Collections. They are reporting multiple medical collection accounts from " XXXX XXXX XXXX ''. I have never received a dunning letter from Puget Sound Collections. On XX/XX/2021 I requested Puget Sound Collections to validate the debt as I legally have that right as a consumer. As of today XXXX they did not respond, I have also followed up again on XXXX. I have never signed a HIPPA release form with XXXX XXXX XXXX. Puget Sound Collections is also illegally charging interest on the alleged medical debt. I live in Florida and Puget Sound Collections is located in XXXX, WA. Puget Sound Collections is not a licensed collection company in the state of Florida. Puget Sound Collections also has might be intentionally breaking federal interstate commerce law.
Consumer complaint received 2021-01-28
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. (TX)

XXXX XXXX XXXX XXXX let someone use my name to get an auto loan. This account does not belong to me i have tried to contact the company i have submitted an identity theft report and XXXX XXXX keeps verifying that this account t belongs to me. The account is reporting as closed.i have tried to dispute this fraud the the bureaus but XXXX XXXXXXXX keeps verifying this account. I should not have to go through this the FRAUD is ruining my name. I have a family. i have done everything that i can do i am fed up. XXXX, Transunion and XXXX is not helping my situation
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX RE : Demand for Removal of Late Payments on Credit Report Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 1681 of FCRA law ( s ) info on report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP.

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : The late payments never happen. Delete acct under FCRA 1681 Under Section 1681 FCRA this Late Payments Dated on my reports does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted under this law. If not Attorney Costs & Court Action will follow.

My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting erroneously on my credit file. I recently checked my credit and noticed that Express Recovery was reporting collections that had already been paid and satisfied. I was told when I settled these that the accounts would be removed from my credit and I took their word. However, every time I look into my credit, the collections are still reporting. Not only that, this is all medical debt! I never signed a HIPPA release form to allow Express Recovery to report on these accounts. This is a huge HIPPA violation and it must be removed immediately.
Consumer complaint received 2019-06-06
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: Experian Information Solutions Inc. (CA)

Hello! I have had an incorrect collection mark removed from my personal credit report with XXXX and XXXX, BUT Experian refuses to remove it even though I've requested they do so twice now. 
The collection they are citing is from XX/XX/XXXX for {$1800.00} at XXXX XXXX and the debt collection agency is XXXX XXXX XXXX XXXX who have been zero help in this. I settled this debt back in XXXX, this should not be on my personal credit report. 

XXXX XXXX XXXX contact info I was given : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

A year ago, on XX/XX/2018, I went to a store to realize that my credit card didn't work. I called the Bank which was Chase and ask about it, the agent told me that all my credit cards from Chase were closed and that no information can be disclosed until I will receive a letter about it. 
I had 5 chase credit card, the Chase Business Ink, the Chase Sapphire Reserve, the Chase Freedom Unlimited, the Chase Hyatt Credit card, and the Chase Ihg credit card. In addition, my wife that was an authorized user on one of my cards, got her only card closed ( the Chase Sapphire Preferred card ). 
Chase claim was that I was requesting too many credit cards in a short time and that was a payment made from another company once. 
Although I had these 5 cards with Chase, they were open over a long period of time ( 4 years ) and they had different purposes. I always paid my bills on time and never had high spending on those cards. My incomes were high enough to justify all the credit limit I had. 
I did pay off once my balance with a check from a company, this was because I had a contract with them and some of my expenses that occurred during my work with them were paid with my personal credit card. It was normal to reimburse these expenses directly from the company 's check. 
I called Chase many time and spoke with many representatives but no one was able to help me with this. 
I'm reaching out to you to help me with that.
Consumer complaint received 2019-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

Loan was started on XX/XX/2019. For the amount of {$820.00} and I have been paying back {$540.00} every month since. My Bank cant stop payment and my account has to be in the black in order to close my account. The payment amount is scheduled to come out on the XX/XX/XXXXof each month but but thy have been requesting it to be deducted 2 or more days ahead. But the time all things are done im in the red and insufficient fees of {$35.00} are placed on other deductions. So by the end of the firs week of new month i am in the red By $ XXXX.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not DBA " XXXX XXXX XXXXXXXX ''
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-02
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bridgecrest Acceptance Corporation (VA)

The bankruptcy court stated they do not report to the credit bureaus however a bankruptcy keeps showing on my report, this has stopped my homebuying process and costing me more financial debt. 
This bankruptcy has been discharged for 6 years
Consumer complaint received 2021-11-09
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX
Consumer complaint received 2020-02-19
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)

Per the bankruptcy court, equifax has the sole discretion as to when to remove the reporting of a bankruptcy ... 7-10 years. I have requested they remove my bankruptcy from my report as it has been 10 years, the maximum time for a bankruptcy to remain on a credit report. There is no legal reason for Equifax to deny my request! They have decided, for no valid reason other than it is/was accurate in its information to leave it on the report. This decision is completely arbitrary and makes it discrimation in every way! They are being discriminatory when deciding who to leave a bankruptcy on for and who and when to remove it. 
According to the bankruptcy court, it needs to be removed upon request if it is 10 years. 
Equifax refuses to remove this reporting. I will sue if it is not removed.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : AMERICAN EXPRESS
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Account was paid, company agreed to delete account. The account has been negatively affecting my credit score Ive reached out to experian and genesis to resolve this issue
Consumer complaint received 2022-11-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (UT)

My wife and I closed a Reverse Mortgage on XX/XX/2022 with Plaza Home Mortgage. PRIOR to close we were required to fix certain items identified by the appraiser and pay to have the appraiser come back out to the property and verify that all required repairs were completed. One item they required was for my Rear Stairs and Railing to be re-stained on the exterior of the home. I completed the staining, paid for the appraiser to come back out and verify the staining was completed and take pictures which the appraiser sent to Plaza Home Mortgage , Inc. and then once verified I was allowed to close on my loan. 

Now after closing I keep getting threatening mail and calls demanding I re-stain the rear steps and deck. when I explain we have already done this PRIOR to closing and that they have proof of this already they just revert back to the threats. My loan officer sent them a copy of the appraisal showing these items were already completed but I keep getting threats and they refuse to release the funds they are holding to have this completed in the amount of XXXX. Please see uploaded re-inspection # 2 which clearly states stairs re stained and provides pictures.
Consumer complaint received 2021-05-02
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for a balance transfer of {$4500.00} from American Express credit card to my XXXX credit card on XX/XX/XXXX. I did it over American Express 's balance transfer website. However, after 1 month, even though my American Express card showed it was completed and added that amount of money to my current balance, my XXXX credit card still had not received that transfer. Then I called the customer service of American Express and they found that their online system incorrectly recognized my XXXX credit card as a XXXX credit card ( I don't have any account with XXXX XXXX!!! ). They said it is their fault and they will take care of it by retrieving the money back from XXXX XXXX and canceling this balance transfer. However, I have been waiting for another month now and they still have not been able to get this fixed. I have been calling them every week and they always said there is nothing they can do -- I should wait and call them back in a few more days. Because of their fault, I was paying interest charges from XXXX and also paying the balance transfer processing fee from American Express. Another critical issue brought by this is that I am currently applying for mortgage to buy a property, and a credit card with nearly full balance for nearly two months would not help with my application at all! Please help. I just can not deal with American Express any longer. Every time when I called them, they just tell me that I have to wait without providing any detail regarding if and when this would be resolved. Another month or even longer? Please help. Thanks so much!
Consumer complaint received 2021-11-09
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)

Someone used my identity I have filed a police report. 

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