davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

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 XXXX XXXX  and emotional XXXX XXXXour 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 XXXX  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 2022-09-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (UT)

Multiple attempts were made to resolve and reason with Upgrade , IncXXXX, most recently on XX/XX/22. They refuse to even respond. 

1 ) Company intentionally provided false information to try to induce a loan. I would have said it may have been more of an inadvertent error. Unfortunately, where the company has utter refused to respond to the issue, take any responsibility, or escalate as requested numerous times, it strongly appears the false information was intentionally given. 

Specifically, the company stated that I could add a memo line or notation on the purpose of the loan for loan paperwork as a way to get me to proceed with applying for a personal loan. Later, when moving to final stages, something seemed amiss, and the company finally admitted they were not going to allow a memo line. I very narrowly avoided taking out a loan that was falsely induced. 

Unfortunately, this caused substantial damage to me. There was no longer time for me to find an alternative provider in time for a deadline. I tried tried with another provider, but they took too long for me to proceed. This caused me to miss a reimbursement opportunity for the loan, and it cost me around {$4000.00} in missed reimbursement opportunity and around {$3500.00} paying for something myself because Upgrade, Inc. lied and such was discovered too late for me to take part in a reimbursement opportunity through my employer. 

2 ) Upgrade , Inc. has repeatedly refused to close my account. There are no active loans etc. They do not have the right to refuse this. And it compromises my personal security to have an account remain open, tied to my email address. They ridiculously sent repeated auto-responses demanding I call them. I gave more than one request/demand in writing. That was sufficient. 

3 ) Upgrade , Inc. refuses to address issues, even fully read requests, or escalate issues. Now, they don't reply and just close support tickets. 

4 ) They continue accessing my credit file without having right or legitimate business interest. They refuse to stop a product to show consumers some type of credit score. They refuse to even respond.
Consumer complaint received 2022-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2020-11-17
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. (NV)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2022-10-13
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. (FL)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

XX/XX/2021 I spoke with my lender and completed all application. My lender confirmed receipt of my application and I was told his partner will contact me. The partner acknowledge the email as well. 

Within 20 minutes, I received a call from someone that claimed to be the partner, same name as the partner for my lender. After brief review on phone she transferred me to someone from AmeriSave Mortgage Corporation. 

I spoke with the AmeriSave Rep. thinking they are connected with my lender because I was just discussing with my lender. 

Later in the evening, I was on a call with my lender and I explained to him I got call from his partner after his email and he said that was not his partner and we confirmed it was not from his partner.

I called the AmeriSave Rep. and asked how he got my number and he confirmed Credit Bureau sent them my contact number after a lender checked my credit scores/information. 

I just felt this is wrong, I gave all my information to the Rep which I think is wrong. I do not know AmeriSave or trust them but because my information was shared with him and the name of the lender I was working with initially, They were able to confused me to think it was same as my original lender.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

This account appears on all three of my credit reports. The next company is listed as XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account.The balance due has been inflated and reported as a incorrect amount for years. the balance is now {$0.00} after i confronted them about the incorrect reporting amount and status This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WA)

XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, XXXX additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Address History : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Correct spelling XXXX XXXX XXXX This information is incorrect
Consumer complaint received 2021-08-18
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. (FL)

I Have A Number Of Accounts On My Report That I Do Not Recognize Due To Inaccuracy. XXXX  The Only Bureau Thats Not Deleting These Accounts, Transunion Have Yet To Delete One Of The Accounts. I Have Sent In My Ftc Report With Clear Instructions On What Actions I Need To Be Taken. XXXX  Keep Treating The Issue As A Regular Dispute I Don't Think The Ftc Report Is Being Incuded.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in XXXX days. It has now been XXXX days and no response
Consumer complaint received 2024-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (OR)

I took out a secured loan on my vehicle in XX/XX/XXXX. I made payments on this loan monthly until a major XXXX  incident that lasted over a year and is still being treated. I was financially forced to file bankruptcy. During this stay I was not able to make payments. In XX/XX/XXXX my XXXX was discharged. The loan company XXXX XXXX XXXX ) tried to work with me as my XXXX attorney did not submit for a reaffirmation, so the company was set to repossess my car. I made payments to bring the account current. In XX/XX/XXXX, I set the account up on auto payments. Each month the payment came out on time and there was never a missed or late payment. 
On XX/XX/XXXX, I called to get the payoff amount on my account as a family friend wanted to help my stop paying such a high interest. I paid {$4800.00}. Once I made this payment my account updated and my account transaction history showed late payments from XX/XX/XXXX to XX/XX/XXXX even though the account was on auto. In addition to these fees, I was charged for the XX/XX/XXXX payment even though the account was paid off before this date. The only late fees that should have been on the account were for XX/XX/XXXX to XX/XX/XXXX. I was aware those late fees would remain on the account until the account was paid off. Those fees were billed and paid under confirmation # XXXX. No late fees were additionally billed on my monthly e statements. 
I called on XX/XX/XXXX and spoke with XXXX in the XXXX department, she could not give me an answer as to why this had happened. She advised she would have a manager called me back. On XX/XX/XXXX no manager called back. XX/XX/XXXX was a holiday. On XX/XX/XXXX I called back again to find about getting my refund of these incorrect billings. I was transferred to a manager in XXXX XXXX we went over the account, he did not appear to understand the billing either. He advised he would get with accounting on XXXX  XXXX and give me a call back once there was some resolve. He did not call me back on XXXX, or XXXX ( by end of business day ). Based on the companys own transaction history there was no monthly late fee charged, the payment were billed and paid in full ( via auto pay ). 
Requested resolve the company to refund me the invalid late fees and the XX/XX/XXXX payment. {$30.00} late fee x 9 months= XXXX plus the XX/XX/XXXX payment of {$300.00} for a total of {$570.00}. In addition, I would like the interest refunded that was paid on this balance at 99.59 % APR.
Consumer complaint received 2020-11-17
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. (NJ)

Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my Experian, XXXX  and XXXX  Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.
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: TD BANK US HOLDING COMPANY (SC)

I am in an active ch. XXXX bankruptcy case and TD Auto finance has incorrectly updated my credit report. They are reporting me as being late in the month of XX/XX/XXXX. This has caused my score to drop 36 points. I have been in contact with this company over the last 40 days and was ensured that is was an error and it would be corrected. I spoke to a very rude employee by the name of XXXX XXXX. I tried to ask her for some additional information but instead of hearing me out she just transferred my call without any notice. I am due to close on my home loan in 3 weeks and this error will prevent me. I and my child should not have to suffer due the negligence of TD Auto finance. TD Auto transferred this loan to XXXX XXXX XXXX on XXXX of XXXX so why are they updating my account and updating it with inaccurate past due information? My payment have been made inside of my ch. XXXX.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

I have been trying since XXXX to get a loan. Each time my credit it run, this is what the bank gets in response : 1 - EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY 1 - EQUIFAX REMARK : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE I have already filed a complaint. Equifax sent me a letter requesting my id, which I sent and have not heard anything back.

Just trying to get a loan in America.
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO. (AZ)

I have had a lease with Chase since XX/XX/XXXX. I have the payments on autofill for the life of the lease and never had a late or missing payment. I extended the lease in XX/XX/XXXX for 6 months and they asked me to check my account to ensure the next autopay would continue ( some times it works some times it doesn't ). I checked and the next payment in XXXX and it was scheduled as expected on autopay. 

I received a XXXX  email today and see that my score had dropped substantially. I looked at my credit report to find that Chase unenrolled me from autopay in XXXX so now I have 3 late payments. I immediately paid and called three different numbers but no one could explain this to me. After speaking with 3 more teams this afternoon they still could not explain this. 

When I view my online account with Chase there is no evidence that they're even understanding that I'm still a customer. There are no bills or invoices for the missing months, the amount of the monthly lease payment is missing. They seemingly understand that I have an online account with them but not much more. 

Chase confirmed that their process is broken and their reps don't always explain how this works correctly. Please pull the recordings from my calls with them and you'll hear it all. XXXX MST for XXXX minutes you'll hear contradicting statements regarding my account and acknowledgment of inconsistency in what they tell consumers.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Neon Newco Corporation (MT)

I have reached out to XXXX Netspend Prepaid Mastercard several times to resolve my issue loading funds however no resolution has been made. I am unsure as to why I can not load funds but error code provide by loading service indicated error code " Redemption Refunded '' is provide when funds are attempted to be deposited by Reload It Pack. I wait on hold today for XXXX hrs and XXXX   minutes after briefly speaking to Customer Service Agent who stated I would be placed on hold for 3-5 minutes. All other attempts prior and after have never been as successful as to recent attempt by XXXX Netspend Prepaid Mastercard Customer service agent.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX Bank ) XXXX
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), not properly disclosing existence of lease protected by Protecting Tenants at Foreclosure Act ( PTFA ) to potential Buyer ( s ). SPS using Occupant disclosure where they claim no knowledge of lease that has been provided by tenant to SPS attorneys during eviction attempt. SPS is misrepresenting their knowledge of existence and contents of lease that is material knowledge must be disclosed to potential Buyer ( s ).
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Recently, I reached out and spoke with a representative of Santander Consumers USA. Upon speaking with the representative an agreement was made that if I was to bring the account current ( it was in 60 days past due status ) that my account would be made current and the late payments will be made current and late status removed as well. I made the payment amount of XXXX on XX/XX/2020. The account has been made current but the past late payments remain. My job is currently doing a yearly review on our backgrounds and being that I work for a finance company this may prevent me from keeping my job. This is will severely affect my livelihood. I have asked multiple times to have them removed. I have maintained a current status with my car loan since I was able to get my finances on track since obtaining steady employment. I currently solely provide for my daughter I am unable to risk losing my current job. Please advise.