davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CT)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 
Please manage your responsibilities accordingly.
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The account was opened on XX/XX/2020. At the time I was noting live in XXXX XXXX and I never received any mail about paying of the debt had I received an letter in the mail I would have no problem playing it off as long as I had a description of what I was paying off and why however now it popped on my credit account effecting my approvals for apartments, Car loans, and etc. I have no idea who this company is and I never visited there office.
Consumer complaint received 2022-10-04
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: Upgrade, Inc. (NJ)

Putting customers at risk on purpose? Now since your deceptive, risky, unlawful practices have now put customers at risk, i have no choice but to contact the ( FTC ) to let them know about the fraudulent practices you've just comitted! And truth in lending doesn't lying to your customers and thinking you can get away with it. ( Upgrade ) is a very sneaky, shady company who lies about splitiing up the payments equally. When customers pay off large amounts of their loans they lie to keep getting interest off of all of the loans instead of paying them according to the order that the loans are in. A judge will always side with the people and not the company when fraudulent activities are being committed! I have proof that you didn't split up the payments equally, and i will start a class action that will definitely be known by everyone. Malicious behavior that's done in the dark is always brought to the light, and someone will have answer to the ( FTC ) as to why things were done this way putting customers in harms way by way of the internet, thus blocking people from being able to see their truth in lending about their loans. I knew something wasn't right when they applied most of what i paid to the newest loan instead of paying the older ones off tgat had smaller amounts! And ( Upgrades ) greed will be the cause of there setback, and or downfall! ( Upgrade ) is 100 % wrong for doing this and hasn't hidden being fraudulent! I called and asked for an explanation of how my money was spread across the loans and was lied to by a representative and a supervisor! It only takes common sense to listen to the deception. And with this recent change which clearly blocks a customer from viewing their ( TIL ) balances of their loans starting today without any forwarning proves how dishonest of a company ( Upgrade ) is! Also putting customers in harms way of the above pictured threat which I'm not stupid enough to go forward with. The ( Truth in Lending Act ) protects customers! It's not in place for company 's like ( Upgrade ) to utilize at there discretion and manipulate customers accounts. I'm filing a complaint today with the ( FTC ) to raise awareness about ( Upgrade ) having fraudulent and unfair actions against customers to further extend loans and intrest being spread unevenly and having the larger amount of money spread mostly to the newest loan, instead of spreading to the oldest loans in the order they were gotten. And for tricking people by way of deception, also not accurately reporting to the credit bureaus the correct information and in an untimely fashion taking longer time periods to notify of good payments. 

Highly disappointed, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC (ME)

Newrez offered me a loan with a very high interest rate but said that I had the option I to buy it down with points ( 8.125 % rate with {$1200.00} in points ). I agreed to to that. Then right before closing, they came back and said I could not use all of my seller concession ( $ XXXX ) towards closing costs. I was surprised because they had known the amount of the seller concession for over a month at this point. When I asked why I was learning about their 3 % rule at this point, they said, " that was an oversight. '' I reluctantly agreed to cover the extra {$4000.00} in closing costs, but I told them I did not want to buy the points so that I could have enough cash to close. Then they said they would not approve a higher interest rate because it would make my monthly payment too high. I reluctantly agreed to buy the points and pay the extra closing costs. Then, after they had delayed so long that we missed our contracted closing date, Newrez said that we could not close because my insurance cost was too high and that it put my monthly payment over a threshold. I pointed out that I had given them the insurance quote weeks and weeks before that and they had never flagged it as problematic. They said I could not close unless I chose one of their other products, interest-only loans with even higher interest rates ( 8.6 %, after paying points ). When I pointed out that those offers would actually increase my monthly payments they had no reply. At every step of this process, Newrez has tried to delay so that they would have increasing amounts of leverage to renegotiate the terms of the loan, asking for more points and interest up front. It's predatory and it's wrong. I have all the emails to prove my claims. I tried reaching out to Newrez supervisor but they did not help, but mostly defended and excused their practices.
Consumer complaint received 2022-06-08
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. (CA)

multiple inquiries & unauthorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA
Consumer complaint received 2022-06-08
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. (CA)

multiple inquiries & unauthorized XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-04
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: OneMain Finance Corporation (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ONEMAIN # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX submitting this CFPB complaint to you today as well as to the XXXX reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  accounts numbers : * XXXX XXXX XXXX # XXXX *XXXX XXXX XXXX XXXX # XXXX *XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I checked my credit report today XX/XX/2022 and found a lot of inaccuracies across all three bureaus.. by law my credit report must be 100 percent accurate. Please check the attached credit report I pulled today. Date last reported, Date last active, High credit limit, and Date of last payment is not the same across all three bureaus This is account for XXXX XXXX XXXX account number XXXX with the balance of {$3300.00}. Please remove this account for violation for reporting inaccurate.
Consumer complaint received 2022-06-15
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-19
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-12-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (FL)

I applied for a credit card with Old Navy, the clothing store on XX/XX/24. After weeks of waiting for the credit card in the mail, I called the Barclays Bank and the person on the other end sounded like they were in a noisy bar or mall. I waiting for more than 15 minutes after punching in my information in the IRV or automated system, which is very limited on the amount of options available, there were no options to speak with a live agent until after about 7 minutes punching my personal information in a system that I have lost my trust with. After 5 phone calls and over an hour later, I ask to speak with an agent from United States, and the agent on the other side stated he was transferring me to someone in the state of Delaware and his was XXXX, but this representative still had a XXXX accent, which tells me I was just transferred who has a better American accent LOL. When I asked about the APR, he told me it was 34.49 %, according to the Usury Laws in these United States of America it states that any loan over 29.99 % is illegal. I would like this investigated and somebody to please contact me about this issue and how I can protect myself.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Top Flight Assistance (Top Flight Credit Assistance) (KS)

This company led me to believe they cd remove all of my medical debt easily and quickly. They told me that if I paid upfront and in full the submission process is get their help, that my documents would be among the firsts to be sent out and would take priority above all other clients who were pay as they go. They stated that if in 60 days I was unhappy with the services, I was able to request a refund in full. The services they were providing ended up dropping my credit score as well as got my wages garnished. I received a notice for garnishment and was given the opportunity to dispute the item and I was advised that they could no longer dispute that as it was already in far augment stage. They said to send them the j formation on what I was sent and they would review it and get back to me on next steps/ it was a 14 day notice. Top flight my did not help me at all. Their document team did nothing. Told me to get a lawyer. I called another time someone said to me that they were actually still able to dispute that item that was in motion for garnishment, and they didnt know why someone would tell me different. They didnt remove the incorrect items on my report like they said they would, easy simple inaccuracies such as unknown addresses, and name misspellings. After the 60 days and I was still unhappy I attempted to ask for my refund. Thats when a women attempted to tell me that a garnishment was already in play before I began services with them. I was told that in order to get your refund, there could be no lapses with their credit reporting app subscription for a whole year, they said that during that year, there could be no new items added to your credit report, and no late payments made and reported. They then explained that they only had got to send out the first round of dispute letters and had a specific date as to each of dispute responses were due. They said then they would have to incorporate XXXX more rounds of dispute letters. They did get a few removed from my credit, but thats not what I was told would happen. They claimed that in XXXX months my medical debt would be removed and my score wd be between XXXX. In the client portal, it shows which letters were mailed to whom and when but it only has one round created and no additional accounts has ever been removed, we are still at only 10 accounts removed.. and they were accounts that werent having much effect on my report. When I would call back still unhappy ; still trying to get my refund, they would just tell me to have patience they are still waiting for the letters to be disputed and the process to be completed. Its been a year and they havent lived up to anything they promised in the consultation/ they did not perform the services I paid for upfront. I was supposed to receive quarterly over the phone updates on the progress and services that have been provided and never received those calls.