davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (NY)

At XXXX on XX/XX/2023, I spoke with a representative, XXXX XXXX in the collections department at Upgrade , Inc . I agreed to pay off the remaining balance of the loan in the amount of {$830.00} with the explicit conditions that the account would be closed out and that the account would be reported as being no later than 30 days past due to credit reporting agencies ( and under the condition that a {$10.00} late fee be refunded to me after payment cleared ). As of XX/XX/2023, the Upgrade account still shows as open and having a balance of {$300.00} despite my payment posting on XX/XX/XXXX. Additionally, it appears that the Upgrade account was indeed reported as being 60 days late according to my XXXX and XXXX reports. I sent an email to XXXX XXXX XXXX  on XX/XX/XXXX asking the company to confirm that my payment posted and that the account would be closed- they did not provide any useful information. This is a blatant violation of the agreement I made over the phone with the collections representative at the above-specific date and time. I am demanding that Upgrade close the account, rescind the 60 days past due status, and issue a {$10.00} refund as agreed upon when I made the payment on XX/XX/XXXX.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OR)

I was shopping for wireless plans in early-XX/XX/XXXXor may be late-XX/XX/XXXX.  XXXX wireless was one of the plans that I checked out at the time. They asked for my information to check what was available ( I am not sure if they did a credit check ). I finally ended up buying the XXXX   wireless plan. So, I directly switched from XXXX XXXX XXXX to XXXX on all my devices. XXXX was never activated on any of my devices. Naturally I have never used any XXXX service - made no calls, received no calls, used no data. In the process, they enrolled me in some XXXX plan and I started receiving bills to my surprise. Initially, I assumed it was a mistake on their part which would be corrected soon. Later, my account was sent to a collections agency ( XXXX XXXX ). I used the online XXXX dispute-resolution portal to file a complaint with XXXX, which was turned down. Of course, as I had never signed up for the service, they never asked me for any payment information ( such as credit card info ), so they did not charge my credit-card or anything. Then I disputed this Collections account with the credit agencies and it was finally removed after a lot of effort. 
Recently ( around 2 weeks ago ), XXXX has used another collections agency ( Receivables Performance ) to collect the same erroneous bill. I got this new collections account removed from my XXXX  records, but the dispute I filed with XXXX  is still under processing. This collections account has unfairly spoiled my credit record and could be a potential problem in our home-buying process. 
I would request the respected CFPB-officer to look into this matter and help removing this erroneous account from my credit-file, hopefully at the earliest. 

Thanking you, XXXX XXXX XXXX
Consumer complaint received 2020-10-07
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: Specialized Loan Servicing Holdings LLC (ID)

I have a credit report dated XX/XX/XXXX indicating I was late 60 days late XX/XX/XXXX which is correct. I paid the loan in full in XX/XX/XXXX. When reported again my credit report indicated I was 60 days late for the month of XXXX. I have spent countless hours and sent bank statements, copies of credit reports with no success to get the reporting corrected.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (MS)

In XXXX of XXXX, I received an alert to my credit file from a Paragon Revenue Group. It stated it was a medical debt and that I owed them {$4700.00}. I reached out to the company to tell them that this was not my debt and I was instructed that I had to pay it. The next day after talking to this company I contacted the hospital and they stated I had been in for services. I informed the young woman that I was not even in the state of Ms and she instructed me to bring the papers to her. I took the information she requested and she said that she will pull it from the company and my file. Two weeks later I received notification that the fraudulent account had been removed. On  XX/XX/XXXX, I received another notification. The same company put that same fraudulent account on my credit file again and it damaged my credit severely while I was in the process of buying a home. The account is fraudulent and the company is continuing to try to collect on an account thats not mind by damaging my credit.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (MD)

On XX/XX/2021 at or around XXXX XXXX I got a phone call from Atlantic Recovery Systems from a guy named XXXX XXXX, when I answered he asked me was he speaking with XXXX XXXX I said yes, additionally asked if I received a paper from them I said no. How I know this is because I have i formed delivery that comes to my email everyday to see what I get In the mail. He then says the amount He then proceeds to say well youre getting free money from the government. I told him it wasnt free money and told him to do better. He said do better well Im trying to help you. He tried to guilt trip me he was very rude towards me. To top it off never gave me a chance to even set up anything instead said he was going to mark it down as if I stated I wasnt going to pay. Never verbally said anything of that nature. This guy harrassed me and talked super nasty toward me. If you look at the review on their page Im not the first one with this experience.
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Management Services, Inc. (NE)

Around XX/XX/2020 I contacted Credit Manage Services , Inc. of XXXX XXXX, XXXX to pay the balance due on an account they had received from XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX. I had been in regular contact with XXXX XXXX office manager, XXXX, about this account. She had decided it was a health insurance billing issue and told be she instructed Credit Management Services to hold all collection efforts until the situation was further investigated. 
Credit Management Services XXXX Inc by way of XXXX XXXX attorney filed a lawsuit agaist me for the aprox {$700.00} balance. I contacted the original XXXX XXXX and XXXX confirmed she instructed Credit Management to hold any proceedings. I contacted Credit Management via phone and as told, " yes we had got that information from the client, but we wanted the judgement anyway ''. I informed the debtor of this and she removed the file from the collection agency, although the collection company wanted fees. 
I called in XXXX to pay the fees of aprox {$130.00} to satisfy the judgement and clear the record. On that call I was informed that there was another account the had been placed with them for over {$37000.00}. I stated I had no knowledge of this account and requested they provide details via USPS so I could validate. 
I have no other communication written or telephone after that until I received a summon s from county court. The summon indicated Credit Management Services , Inc. was  suing me for {$37000.00}. 
I have no opportunity to be informed of the alleged debt or request validation. I also have not been given the option to ensure the debt was validly passed on to the collection agency specifically not violating HIPPA laws. 
This is how the first case was handled too. It seem as XXXX XXXX is trying to operate as a debt collector but functioning as a attorney not adhering to FDCA. 
I can provide the summons and court documents if requested. 
Again they provided no notice of the debt, no opportunity to dispute or request validation and other actions required by federal law. 
I have filed complaints with the XXXX  Attorney General, XXXX  and will possible file a counter suit for violations. 
Consumer deserve protection from these unscrumptious attorneys acting as debt collects and not disclosing they are acting as debt collectors.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, XXXX  and Transunion about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX  Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy.

15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

On XX/XX/22, my pre-paid credit card had a credit of {$2700.00}, I had called citi bank to request a ACH back to my checking account. Today is XX/XX/22 and I still did not get my refund.
Consumer complaint received 2022-07-08
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. (FL)

In accordance with the Fair Credit Reporting act XX/XX/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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (ID)

on XX/XX/2020 we applied to Laon Depot for a refinance..they had not sent us a copy of the appraisal that we kept telling them there  seemed to be a problem.. finally on XX/XX/2020 we received a copy of the appraisal.. and that was when we found the problem.. the appraisal was NOT for our property.. they used our address, but the pictures & written description of our property are not one & the  same..and as of todays date XX/XX/2020 we still have never received a copy of a corrected appraisal. ( Loan Depot had done one on  XXXX which was the correct address, written description, & pictures ), so we do not understand why they are not seeing that the  appraisals are TOTALLY DIFFERENT PROPERTIES, per county tax records.. We have complete documentation including emails etc.. back & forth from us to Loan Depot, and as of today 's date (  XX/XX/2020 ) .. this has still not been resolved.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: CURO Intermediate Holdings (VA)

My name is XXXX XXXX XXXX, I am writing because I have been a victim of Identity Theft. I have attached letters to suppose my case. The IRS and Social Security both have cleared my name with IRS Affidvat and investigation found out someone was using my info as XXXX   veteran. I am writing to have Ad Astra Recovery Services , Inc, Who said I had taken out a payday loan with Speedy Cash they have place this on my credit report with XXXX. I have attached a Identity Theft  Victim 's Complaint and Affidavit with FTC and have a Victim 's FTC complaint number which is XXXX. 

I also attached my letter from the Veteran Admin that I am XXXX and XXXX  XXXX unemployable.
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

On XX/XX/2022 I paid a hospital bill that was outstanding. Shortly after that I started receiving phone calls and texts from Wakefield and Associates regarding an outstanding balance that they were trying to collect on. I contacted the hospital which verified the bill was paid and they indicated they do not hire collection agencies and were not sure who this company was. 

I am receiving harassing calls and texts from this company on a daily basis, despite me informing them this bill has been paid. This is affecting my work day with nuisance calls. I am requesting that the CFPB contact Wakefield and Associates to stop this harassment. 

Thank you
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Date of Transaction : XX/XX/2022 Amount Paid : {$820.00} I purchased a gas XXXX chainsaw. The item was poorly packaged and was received damaged in shipping. According to amazons return policy this particular item is not eligible to be returned ( due to it being a gas powered product ) instead it is eligible to be refunded or replaced if the item is received damaged or defective. When I contacted amazon they said they would not do either of those things and told me to contact the manufacturer. the manufacturer said that since it was damaged in shipping to contact amazon. Amazon again would not do anything. I opened a dispute multiple times with the amazon store credit card issuer Synchrony Bank. They have sided with amazon every time even though amazons response didn't pertain to the dispute whatsoever. Furthermore they would never contact me about the dispute via calls or emails the last time and let the issue lapse.
Consumer complaint received 2020-10-07
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. (NJ)

Greetings, My complaint goes to the Credit bureaus XXXX, Experian and XXXX  because since XX/XX/2020 I have sent letters requesting that they rectify their errors presented in my credit report, I have sent 4 different letters during the last 4 months and no I have received any response from the credit bureaus. I demand that an immediate response be given to me regarding the claims previously made to the institutions mentioned above. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus.