davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (CA)

I was just furloughed due to COVID-19, and have asked my creditors to defer payments temporarily until I can sort out my new financial situation. All of them have responded positively by deferring my payments temporarily. 

I contacted Upgrade today ( XX/XX/2020 ) to make the same request for deferment. I explained that I am impacted by COVID-19 and have been put on furlough. My normal payment is {$270.00} per month. The representative told me they can only take {$100.00} off of my payments, and then spent a full 60 seconds reciting the terms and conditions. I asked her for a copy of the terms in writing and she told me that they don't provide it in writing, even through email. The only part I understood in the rapid reading of the terms is that the payments are tacked on at the end, which at least helps. 

Regardless, I reluctantly agreed because I can't afford the other option which is to pay the full amount when I am struggling now to pay for rent and food. 

Would the CFPB be able to contact the lender and see about better terms on deferment? I have good credit, never miss payments on loans or rent, and am simply needing flexibility until I can sort out things financially. 

Thank you, XXXX XXXX
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been banking with Capital One 360 since XX/XX/XXXX. In XX/XX/XXXX, I was unexpectedly laid off from my job and had some financial difficulties which caused some overdrafts on my checking account. In XX/XX/XXXX, I finally found another job and was able to have a direct deposit go into my checking account to satisfy the overdraft and bring a positive balance into my account. I ordered a new debit card on XX/XX/XXXX and received it by mail on XX/XX/XXXX. I activated the card with no issue using the XXXX mobile app. I then proceeded to use my debit card but the transaction was declined. I immediately reached out to customer service and spoke with a representative who stated that my account had been restricted and I couldn't have access to my funds. He advised me to go on to their website, open a new checking account and call them back so that I could link my new debit card to the new account. He assured me this would be no issue. I followed his instructions but was denied opening another account. I called customer service again and spoke with another representative. I explained to her what was going on and what the previous rep advised. She then begin to give me the same explanation about the restricted account and stated that not only would I be denied from opening another account at this time but that I also had to wait until Monday to speak with another department to see what my options are about accessing my money. I asked the rep why wasn't I given any notification that my account was being restricted. She could not answer that. She also advised me that my deposit should have been rejected and that there was no way that I should have been able to order a debit card on a restricted account. I was never given any notification of such an action. Capital One has my mailing address, my email address and my phone number, why was no letter received?
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been having problems with chase bank for some time now .During the entire process I have called and spoke to many different bank managers trying to resolve the issue and then the.bank closed my account which caused me not to be able to log in and see anything online.I specifically called today again and spoke to an agent of the bank XXXX at approximately XXXX XXXX  .I simply asked if I could finally come in the chase branch I use to pay off the balance on my account.I was placed on a brief hold and then she responded with yes .I said this will prevent anything going to collections and again I was told yes just go to the branch and make payment. I left work early and went to have funds transferred from my fathers savings account to pay off my balance.Now the bank that knows me well went to transfer the funds and I was not able to do so .This is really ridiculous besides the fact that this issue was not caused by me .I made every attempt to make it right as soon as I had the opportunity.I was lied to on the phone because apparently they have already sent it to collections..I have had enough of being bullied by this bank as the email response to my last complaint had just been answered last night.This is completely unnecessary and Ive been through enough of loses .This is deliberate, unprofessional and unacceptable as I am willing to pay after losing everything and then some that this bank never flagged.To now block me from paying it at once which was the only option they gave me .This will now ruin my credit which has been excellent my entire life .Im willing and got someone to loan me the money now they pull this!
Consumer complaint received 2018-02-12
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. (VA)

Equifax incorrectly assigned debt of {$110.00} from medical bill XXXX XXXX XXXX XXXX reporting from XXXX XXXX XXXX. ( On XX/XX/XXXX it was confirmed with XXXX XXXX XXXX that they did not report account to appear on my report as they were able to confirm per DOB and name that collection account belongs to my brother XXXX XXXX ). On XX/XX/XXXX this was explained to equifax. I was placed on hold by representative to consult with manager. When he returned, the representative stated that this was not a dispute, and proceeded to transfer me to mix department (? ) he called it. Transfer was never completed as I ended call after being on hold for 25 minutes. No representative followed up to ensure I was transferred or did they update me on why the transfer was taking so long. This incident occurred again on XX/XX/XXXX in hopes of speaking to someone in the correct department but had to end call due to no response on hold for over 20 minutes.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX XXXX Online police report from local sheriffs office along with FTC ( Federal Trade Commission ) Report supporting my Data Breach/Identity Theft Dispute. 
The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2018-02-12
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. (FL)

Ive taken the proactive approach into reviewing my XXXX, Transunion and XXXX Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, Transunion and XXXX credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Snow and Sauerteig LLP (AZ)

This complaint is regarding Snow and Sauerteig LLP. Not only are they calling me sometimes 5 or 6 times a day, but are now taking money from my business account which is a registered LLC account. 

This is for a debt for a medical test done once I found out I had XXXX XXXX XXXX XXXX. I am a veteran and there was confusion as to where I was supposed to have this test done. I have told this company repeatedly that I am on XXXX and a fixed income and can not pay this debt at this time. I have been deemed unable to pay by the IRS! 

Now this company is taking money from my account that I never agreed to! Not to mention the repeated calls. I will be putting a stop to the payments taken from my account but my fear is they will just find a way to continue to take money. I can not afford this, at this time. If my situation changes with my health I will pay the bill when I start back to work. 

They just took a withdrawal from my account for {$20.00} in XX/XX/XXXX and another in XX/XX/XXXX.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is a billing error dispute for my XXXX  XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX  XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
Consumer complaint received 2018-02-12
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)

I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX XXXX XXXX XXXX XXXX Acc # XXXX *XXXX  XXXX XXXX XXXX Acc # XXXX *XXXX XXXX   XXXX , XXXX Acc # XXXX  *XXXX XXXX XXXX Acc # XXXX
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Credit Corporation (VA)

On XXXX-16 I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with coverage under the Department Of Veterans Affairs. XXXX XXXX XXXX failed to file a cliam with the Department of Veterans Affairs within the 90 time limit requirement prescribed by law XXXX. Instead they instructed their agent Nationwide Credit Corporation to pursue collection activities against me in the amount of {$210.00}. I have attempted to resolve this matter with the companies to no avail. Their actions have resulted in inacurrate and negative information in my credit report affecting my credit score, insurance rates etc.
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (OH)

I check my credit report every month for accuracy. In XX/XX/XXXX there was a new item from a collection agency attached to XXXX XXXX XXXX for {$1700.00}. We had just recently installed our first system with them and were current on our bill so I knew this was an error. I called XXXX  and they said it was at an address in our neighborhood under my name. I filled out a fraud report for them and returned it within a day. I heard nothing for a month and called them to find out they had turned it over to another company, XXXX. I called XXXX  and they didn't have the file. I started the whole process over again which includes having papers notarized. In XX/XX/XXXX still nothing else had been done. I got a copy of the original contract with the installation address and attached the county records for this address with the owners name. The system had been installed XX/XX/XXXX and they had moved in on XX/XX/XXXX. I attached our records also proving we had lived here since XX/XX/XXXX. No response yet. I called yesterday and still nothing. I made a dispute with XXXX and they decided to add the fraudulent address to my credit report and are sending information to it now! We signed up for XXXX service in XX/XX/XXXX. Strange we never received a phone call, letter or bill on this account until we signed up for their service. They say my name is on the contract. I am sending a copy of the contract and the two county forms I sent to them.Hopefully you can straighten this out as they seem totally unable to help us.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXX  charged account off and is still reporting account as late and passed due which is an FCRA violation. They wrote debt off for tax purposes without providing proper documentation to me. When an account is charged off it must not report a PAST DUE amount nor report monthly as CO which they are currently doing. Ive submitted numerous investigations to the bureaus and notified the company of their violations. 

This account couldnt been verified or investigated properly because its not even being reported correctly. Another federal violation.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called XXXX XXXX, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with XXXX XXXX..AKA XXXX ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (VA)

On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with health coverage under the Department of Veterans Affairs. XXXX XXXX XXXX XXXX failed to submit a proper claim pursuant to XXXX to the Department of Veterans Affairs within the 90 day time limit.They filed a claim with the wrong party XXXX and got a denial of cliam.They then directed their agent XXXX XXXX XXXX. to pursue collections activities against me in the amount of {$1000.00}. I have attempted to resolve this matter with both entities with no results. Inaccurate and negative information has been placed on my credit report affecting my credit score, which has affected my insurance rates etc.
Consumer complaint received 2018-02-12
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)

I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.
Consumer complaint received 2018-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Monterey Financial Services LLC (WI)

XXXX XXXX XXXX contacted me to inform me that XXXX XXXX XXXX will no longer be available to me. XXXX XXXX XXXX stated to me that they will be handling my student loans I will be paying them for my student loans I recently contacted XXXX XXXX regarding my account They stated to me that no money has been paid so with that being said I contacted XXXX XXXX XXXX and they told me that I am paying them for paper work why would I pay so one XXXX just to handle paper work they are very misleading regarding paying back student loans i has under the impression that my student loans were being properly paid until I received letters in the mail stating that my account was past due. After speaking with XXXX XXXX they informed me that more complaints have occurred with this company. They are very miss leading regarding the company I have called several times and every time I call the company isnt open. Its already had paying bills but when your trying to keep credit in line and people like XXXX XXXX   taking money that isnt necessary and they also stated that I couldve handled the paper work on my on but I didnt and this was on a recorded line on my banks telephone number XXXX XXXX XXXX I will like so more information regarding this company that has been taking money from my account since XX/XX/2017 and my student loans have not been paid they never sent me letters through the mail theyve never even told me how much my payment would be so I wouldnt even know what they money was being taken for XXXX XXXX have said that they never even contacted them in regards to my payments that I should me paying a month please help me they are contstanly taking {$57.00} a month and nothing shows for it PLEASE help signed XXXX XXXX
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

Updated payment bank account within online portal almost a month before my next payment was due. Thought I was okay until I received a NSF fee from my old bank. Called Barclay  to find out what happened. They told me I was on autopay, and updating my bank account doesn't change the autopay ( What does it do then?! ) and I needed to snail mail a letter with my bank account information requesting the update. With all the fraud and identity theft issues going on in this day in age, who in their right mind is going to put that information in the mail?! Now I'm stuck with a {$35.00} NSF fee from my old bank, a late fee + interest from Barclay cc, and my first ever late payment, thereby affecting my credit. ( My first EVER late payment on any account! ) The representative was no help, and told me they are not responsible at all. When I tried to speak with a supervisor she told me there is only one and she's out and will have to call me back. Still no call back ... ... Let 's face it. They will never call me back. That piece of paper she wrote my number on went straight in the trash. She already told me they don't care, it's my fault. So upsetting.