davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (DC)

On XX/XX/year>, I received an unsolicited email from a company called XXXX XXXX XXXX XXXX ( operated by Upgrade , INC XXXX upgrade.com ), falsely claiming that I had inquired about loan options through XXXX of their third-party partners such as XXXX or Credit Karma XXXX I have never used these services or applied for any loan. Despite having no prior relationship with this company or their partners, they sent an email stating that I was looking for funds and that I should check my rate for a loan. 

This is a misuse of my personal information, and I believe it constitutes a breach of consumer protection and data privacy regulations. I am concerned about how my information was obtained and used without my consent, and I have not received a satisfactory explanation from the company. The accusations are false and misleading and questionable. I request that this matter be investigated, and appropriate action be taken against XXXX XXXX XXXX Upgrade , INC ).
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

I was notified on XX/XX/2023 by my homeowners insurance company, XXXX, that they are canceling my insurance in 11 days due to non payment. 

I was shocked my lender forgot to pay it, as my homeowners insurancr and property taxes are paid out of an escrow account they hold. I have called to tell them the problem and only been hung up on. 

Please see attachement of the email I received from my insurance company.
Consumer complaint received 2023-05-25
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. (NC)

My name is XXXX 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 personal information. 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 2017-02-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NE)

I reported fraudulent activity to Amex on my prepaid card which they assured me they would thoroughly investigate and would send me a new card. Less than 24 hours later I got a notice by email that the dispute was determined to be a valid charge and that I had violated the member terms and conditions so they were suspending my account.
Consumer complaint received 2023-05-24
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 of account number, can not located actual account number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NM)

I submitted a dispute with chex systems on line on a Saturday, and it came back Monday before lunch at around XXXX XXXX as verified as accurate by the company. I logged in online to see, and the only information included was just verified as accurate. They didn't say why they didn't say how it doesn't seem like an actual human, did anything? It seems like the process was completely automated, which actually looking at a report from this same company. But for another issue does, in fact, verify that it is entirely automated that they got a message from their automated system. 
For which they give an automated answer. 
For which the system just accepts as the final answer and response closes out, the dispute sends an email to me. It doesn't seem like even an automated system even tried to look into it at all. I called the company and explained my concern to them as I know. It is inaccurate and should not be in my report or I would not have disputed it. And why did they not just take my word instead of the companies? If that's what they're going to do. Customer service, in fact, told me that there was no investigation or information to support it. She said I could upload anything I wanted to online, which is actually not the case. You can not do that or communicate online at all. 
I'm really having intense problems with all of this type of stuff all over every aspect of my life, and it is running my life and ruining my life and yeah. I just don't appreciate it very much.At all that it is so careless.Ly really really rich. 
She said, if I had any questions or concerns further that I would have to contact the lender directly, which is weird for a credit reporting agency to say and I thought was literally their purpose. My information is just used and abused by a company who's supposed to be protecting it and obligated to report it properly and they're not doing that and they're telling me that if I want it fixed, I got ta do it myself and that they're going to continue to report it that way. And I'm homeless. Because of it, it will remain that way because of it
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

According to 15 U.S.C. 1692c, if a consumer notifies a debt collector in writing that they wish to cease further communication regarding a debt, the debt collector must stop contacting them, except to inform them that collection efforts are being terminated ; essentially, a consumer can legally request a debt collector to stop contacting them by sending a written notice.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

On a recent trip out of state, I lost my cell phone with the cell phone number that is used for the 2 step verification process to access my on-line Wells Fargo accounts . The website insists on using the lost cell phone number to send the 2 step verification code needed to access my Wells Fargo account and does not offer another option like using my email address NOR SPEAKING ON A PHONE WITH A BANKER, and does not provide any other option ( like my email address ) to send the verification code to. I called Wells Fargo and informed them of the problem and gave them the replacement cell phone phone number. " Takes 3 days to verify the new cell phone number '' I was told. 3, business days, not counting weekends. Today is the 3rd business day and I called Wells Fargo Customer Service. " Verification of the new cell phone number has not yet occurred '' I was told. They are talking to me on a cell phone, the number of which I previously provided, I can provide them any and all account numbers, etc., SO WHY CAN'T THE BANKER I'M TALKING TO BE ABLE TO GIVE ME ACCESS TO MY WELLS FARGO ON-LINE ACCOUNTS? I even have to say, " My voice is my password, please verify me '' to even get to a banker to talk to!!! " It's the process '', I'm told. Well, their " process '' XXXX!!!
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Bank Date XX/XX/year> To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX Signature : XXXX XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (IL)

XX/XX/XXXX, I responded to a credit alert from my private credit alert account in reference to a debt collection service- Zion Debt Holdings for the collection of {$1300.00} for an account opened in XX/XX/XXXX on XXXX. 

I immediately contacted the fraud team from my private service and discussed how to handle the issue. A member of the fraud team attempted to contact Zion Debt Holdings at approximately XXXX am XX/XX/XXXX with myself as customer on the phone. No one answered the phone number listed on the credit report. The fraud team member recommended that I attempt to call again within the hour to talk with a Zion Debt Holdings representative and to report back the outcome. 

I contacted Zion Debt Holdings ( XXXX ) XXXX, approximately XXXX minutes later to discuss the debt and to get copies with Wet Signatures of contracts that I entered into with the Debtor and Zion Debt Collections to whom the request for payment is identified. 

The representative was very unprofessional, rude, loud and disrespectful and I do not remember her giving her name because of the loud talking. She did not allow me to explain what and why I needed information, She continued to talk over me in references to not providing wet signatures of contracts. She remained loud and continued to talk over my request for proper identification of the contracted entities. 

The conversation became very intense between both parties due to the disrespect of the consumer 's right to be informed. I felt a violation of my right to know my accuser of debt and whom the collector requesting payment for the prevention of requested money not owed to a fraudulent entity, my right to be educated on the process, my right to be heard as a consumer. 

The representative actually hung the phone up on me XXXX  ( XXXX ) ; I called back XXXX ( XXXX ) times. The representative said it was a recorded line ; but does a representative behave in that manner if it is recorded? 

I am suspicious of the debt and the debt collection agency. 's identity and practice. 

I dispute this debt as fraudulent
Consumer complaint received 2023-05-25
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)

My name is 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 2023-05-25
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. (FL)

My name is 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 2023-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Transaction ID : XXXX Date : XX/XX/2023 Amount : {$100.00} I reached out to Paypal multiple times saying that I didn't recognize the charge and I've never done business with that company. They keep saying stuff like " based on your purchase history, this charge is legitimate and we're closing the case '' and " there is no signs of fraud ''.. Pretty much telling me to suck it up and pay my negative balance, because now they are holding my financial information from my actual bank hostage and won't let me remove it from their system. I've been defrauded through their system before and I no longer feel safe having my financial information on their servers as I don't need malicious people wreaking further havoc on my actual bank account. 

They are refusing to remove my banking information which I have already stated to multiple members of their company that I have revoked their authorization and permissions to hold that information on their systems. 

I no longer wish to do business with Paypal, Paypal is a wan na be bank that offers absolutely no consumer protections against acts of fraud, they will just blatantly deny your claim and leave you owing them money, then hold your actual banking information hostage.
Consumer complaint received 2023-05-23
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 disputed the following account on several occasions and Experian keeps saying the account has been verified. I sent several letters requesting Experian provide me with the information on how the company XXXX  XXXX and validated this account and each time I have never received the information. In addition each time that I disputed this account i also provided a email between myself and the company with them stating that they could not find an account with my information.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Financial Institution : Fifth Third Bank, XXXX, XXXX  In XX/XX/2022, I called the XXXX # provided to me in my bank statement to dispute an unauthorized charge on my credit card statement from XXXX XXXX for {$160.00}. 53 Customer Service, cancelled the card, issued a new card. But " FORGOT '' to complete their procedural steps to mark the charge as disputed. They applied numerous late fees and the worst part is reported it on my credit history. 
Due to this, I am having numerous hardships- denied access for mortgage pre-approval, higher auto insurance costs and so on. 

It has been SIX months and they filed another dispute but that was denied stating it was beyond the time allowed to dispute. 

They new tell me it has been escalated. It is difficult to good customer service. Their customer service agents DO NOT follow their procedure and cause undue hardship. I am now forced to take time off from work, loss of pay, and physically go to a XXXX  bank location to talk to someone.
Consumer complaint received 2023-05-25
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have multiple negative lines or marks on my.credit report that not only have " aged-out '' only to reappear on my report under a new account. I know about debt buyers reselling almost aging debt right before they do infact age out, but whoever had owned the debt before, did NOT sell it before it aged out, it was after! 

Not only that, but when I disputed the debt a couple years ago asking for them to verify the XXXX, and the XXXX, and location of medical treatment, they refused. Isn't refusal to verify the debt illegaal? 

I also have two line of debt that are the exact same date entered to collections and amount ; that is a double charge. I've never in my life went to two different hospitals in one day for the exact same treatment. That dispute was also wrongfully denied. 

Also, A new act has passed called the No Surprises Act, which protects people from surprise billing when receiving services from am put of network provider while at a facility that is in network ( might be strictly for emergency services ). I have also had XXXX for the last 12 years, therefore that affords me another level of protection, because if I have medicaid, there is no services that are not covered. If you aren't covered for A specific procedure under medicaid, they dont do the procedure. Also, all of my uncovered medical bills are from an emergency room ( I believe all are for XXXX services ( rendered in an emergency setting and situation ). That is also covered under the act. 

I acknowledge that response time can be prolonged, but I want the person taking my email/case to know I appreciate any amount of time spent on corresponding with me regarding this. And ANY amount of help is more than I have now, and I need it. I can't wait to hear from you. Please email me with a subject line in ALL CAPS to stand out better.
Consumer complaint received 2023-05-25
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. (OH)

I reported and disputed to Experian about an account XXXX XXXX XXXX account number XXXX ( which is not a valid account number ), of the inconsistency and that this account is not 100 % accurate as required by the Fair Credit Reporting Act. Dates are inconsistent, and Type of the account. This account XXXX was reported as an ( Auto Lease ) which is incorrect the true account type is a ( Retail Purchase Agreement ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Purchased this account. Also the purchase date being reported is XXXX XXXX 2021 that is also invalid and is a violation with Fair Credit Reporting Act. The true date all documents was signed on is XXXX XXXX 2021 These are all inconsistency and Experian failing to do a thorough investigation is a violation of my rights with the Fair Credit Reporting Act.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (MS)

There are 3 hard inquiries that are still on my report from 2021 My name is listed on my report as XXXX XXXX XXXX. I am a female Miss spelling of my name is also see on my report