davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (GA)

Friday, XX/XX/XXXX through XXXX, via their " excellent match '' for potential loans, I applied at Upstart.com for a personal loan of {$3500.00}. Upstart immediately denied me. During the application process, the deceptive advertising was touting this easy process that is not heavily based on credit history. Supposedly they pretend that they help people with problem credit. On paper, my credit report and FICO score is good, in the mid 700s, but for some mystery reason I can not get the type of credit I should with my scores, and it has been that way my whole life, no matter what my situation. 

I already had my credit reports, my FICO score, my credit rating way before dealing with Upstart. So they sent me a generic reason as to why I was denied. In several back and forth communications, I tried to get them to tell me the specific, exact reason why they denied me. They kept telling me everything but. 

They told me to go check my credit report if I had issues. I told them I already have my reports and I don't see any of the generic reasons they listed. 

I asked again and again to clarify why they denied me, but they would give me the credit rules and regulations, tell me why it " could be '' but never specifically tell me the reason for the denial. I even cited the law, which states the must disclose the reason for the denial, not tell people what it could be or what the law says. But at that point they just stopped responding. 

So because of tat I have a hard inquiry from Upstart and nothing to show for it. I do not think our regulations allow creditors to deny loans just because they want to, and whatever the reason they are supposed to be transparent about it so we can address it if possible. 

There is harm to my credit file now, as each inquiry brings down your score. I want to mention here that one of their " reasons '' was too many inquiries. The only inquiry I had was from a job, The other one was THEIRS. Obviously they are just making any excuse because they have a certain set of people who they will service and other people are being redlined. Otherwise why so opposed to giving their specific reason? 

Also, one of their denial responses says to check my Upstart mailbox - but I never had one. I never had to log into their website. I can not log in and it doesn't show a way to register either. So even their " link '' doesn't lead you to any information. They utilize XXXX XXXX XXXX for Georgia, so evidently they are in on this too.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CA)

They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. 

The company is ERC. I *think* the debt is with XXXX XXXX who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

So Wells Fargo charged me and countless others for a charge they shouldnt have and settled on lawsuit to refund those affected. 

I first had the check moved to the wrong address but they sent me letters to my correct address. 

When I called about my refund on XX/XX/XXXX and spoke to mark I was told it would be reissued and it would take 4-5 weeks. 

On XX/XX/XXXX I called to check in it and spoke to XXXX and XXXX. They said it only been 4 weeks wait a little longer. It's all good. 

On XX/XX/XXXX I called because it reach 5 weeks. And was told XXXX never processed the refund and it would take another 4-5 weeks by XXXX. I asked for a supervisor and XXXX told me that because it was late in the week when I called in that I needed to wait just a little bit longer and If i didnt get anything by XX/XX/XXXX the following week to call and check on it. But she would have her supervisor call me. 

XX/XX/XXXX I call again and was told check was processed on XX/XX/XXXX. And it would take 4-5 weeks and no way to make it faster. I was clearly lied too and no one was willing to make it better and I couldnt get anyone higher on the phone.
Consumer complaint received 2019-08-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (NJ)

- US Bank website has many problems and glitches including but not limited to not being able to save bank account info, in addition, the system does not pass the account info correctly. 
- this resulted in -sometimes- that they said the bank account info is wrong which in fact it isnt, because I check them three times before sending. 
- in turn this resulted in late payments and late fees, and when I call to resolve, they dont waive the fees. 
- in turn when I pay the lease amount, it doesnt fulfill the full amount as the late fees carry over, which I turn accrue another late fee consequently. 
- basically its a scam and a lousy website. 
- finally, they sent me a letter that they reported the late fee to the credit bureau which will affect my credit score. 

So in a nutshell they are damaging my financial well-being.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX Balanced {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Deposit a check for a large amount on XX/XX/XXXX at citizens bank in XXXX XXXX. and now I am told it is on hold until XX/XX/XXXX It was drawn on XXXX XXXX XXXX  and taken out of my account XX/XX/XXXX Trying to invest the money with XXXX XXXX and Citizens bank said they will not pay interest until they take it off hold on XXXX XXXX Meanwhile I am losing money at XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. ( Debt recovery solutions ) is removed off my transunion report but still reporting the inaccuracies on my Equifax and XXXX report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ]. 
( b ) Opt out. 
( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( Debt Recovery Solutions ) Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

I recently had a loan transfer from XXXX XXXX XXXX to Shellpoint Mortgage ( New Rez ) effective XX/XX/2019. I had automatic payments setup through XXXX and when the loan had transferred I followed the instructions given by Shellpoint and setup an online account with banking info to setup automatic payments. Unfortunately on XX/XX/2019 there was a withdraw for my mortgage of {$2900.00} taken from the account I setup for Shellpoint online and taken from the account that was previously setup for my XXXX by Shellpoint. In short I made a double payment and one of the payments I never authorized Shellpoint to withdraw from my XXXX checking account. Since the double payment was taken I've made at least a dozen phone calls to Shellpoint for a refund and in the beginning was told to email my info over for both accounts to verify there was a double payment and we will issue an immediate refund. I still haven't received a refund and last Thursday XXXX I was told it would take 2-3 weeks but a supervisor will call me back in 24-48 hrs. I missed a call today from a supervisor only to get there generic 1-800 call back number and when I call they have no answers and a supervisor will have to call you back.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (IL)

I was the victim of a scam as a student at XXXX University. The scam has been published all over the media. I ended up losing thousands of dollars and had my stipend, earnings, and scholarship from me. I was explaining to Navy Federal that the reason I have a late payment is because of this scam. Typically when incidents like this happen companies are willing to waive the late payment reporting. Navy Federal has refused to cooperate with me. They actually have been terrible. For 5-6 Years I have made payments on time. When I talk to their customer service all I get is this response which does not help me resolve my problem. Navy Federal should be helping trying to get this late payment removed. I was the victim of a scam and had to change my checking account information to avoid having my money taken from me as well. See below. I also did not get my bill. was also told by their collections department that I would not be reported late if I paid before sixty days. I am also writing this goodwill gesture letter. 

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment. 

I want you to know that I understand my financial obligations, and if it werent for XXXX university fraud scam Id have an excellent repayment record. I made a mistake in falling behind, but since then everything has been paid. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Verified via credit file with Transunion and XXXX XXXX XXXX  is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

To whom it may concern, I have had 2 of my accounts which is XXXX XXXX and XXXX charged off. I just recently found out that I was affected by the XXXX  breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX  breach and possibly Identity Theft.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Frontier Consumer Law Group, LLC (GA)

IAll contact was by phone, contacted Fast Track Debt Relief about debt relief program, all my information about my debt was collected and was told what my monthly payment would be on a bank draft, never telling me that a company by the name of Frontier Consumer Law Group would be overseeing my account, these two businesses have the same address. When I contact frontier and ask questions I get emails from operations manager from fasttrack. A Georgia Attorney sent me an email stating she only helped if this company notified her as a summons, also she refers to them as a debt management company. They have collected up from fees since XX/XX/2018 which in Georgia is illegal. They also made agreements without contacting me for settlements.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 : XXXX XXXX XXXX Ohio XXXX XXXX 15 U.S.C 1681 SECTION 602 A. State I have a right to privacy 15 U.S.C 1681 SECTION 602 A It also state 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 items 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 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (PA)

In XXXX, I was preparing to make final payment towards the balance I had on my Fortiva Account that had a remaining balance of {$290.00} that was due XX/XX/XXXX. I have attached payment text reminder from bank. I called the end of XXXX to schedule for funds to be withdrawn on due date. Noticed I received a text reminder XX/XX/XXXX for payment that should have already been processed so I called bank to verify payment. Per rep, check was on file and could not be processed as " funds were not available. Confirmed with rep funds were always there and that should have been processed. Attached bank statement for proof. Rep said she could not process payment again as acct was frozen and on hold due to payment rejection. Spoke to management and was reassured no reports would be sent to credit bureau as it was protocol to put acct on hold. They could not take payment until hold was removed and was advised to call back for payment. I voiced frustration as I had to keep communicating with them for this final payment. Told them I just wanted to be done with payments and not have to worry about outstanding balances. Called again XX/XX/XXXX for final payment and successfully payed with XXXX  over the phone for the amount of {$360.00} which included late fees. Attached bank statement with payment. Check cleared XX/XX/XXXX and thought all headaches were over. Unfortunetly, on XX/XX/XXXX I noticed that my credit score dropped by over XXXX points because Fortiva Bank closed my account without my permission and also reported late payment. I reached out to them to request for my acct .to be reviewed/disputed and advised them I never requested for account to be closed but instead to pay it off completely to be done with the unfortunate back and forth. I provided the info to a supervisor however rep was trying to justify the companys actions. He did not reflect my experience and my attentiveness and was quite rude with what I was trying to express. I was told I would be notified and called with details after review. When I wasnt contacted, I took it upon myself to dispute with all credit bureas and XXXX XXXX. I noticed it was reviewed and they were able to fix the errors and update my new credit score. Then in XXXX, they reported again that I closed acct that rep stated in XXXX would fix and reopen and also reported this late payment again. I have attached the details. My credit went down again over XXXX points and now I find myself in the same position. I don't know what else to do to fix this error and I hope someone can resolve this matter.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

IN XX/XX/XXXX, I had contacted Capital one about a hardship program they offered at one time. XXXX of XXXX, I became critically ill with XXXX   and nearly died. I had 4 lengthy hospitalizations between XX/XX/XXXX and XX/XX/XXXX. When I was well enough mentally to contact my creditors, I immediately explained my situation and requested assistance through their hardship programs, where I would have the option of keeping my accounts open and in good standing. All other creditors offered a program, where they lower my interest, waive any late fees or over the limit fees, and reported my accounts in good standing with the credit bureaus. Not Capital one. They make it sound like they are there to help and have only the best of intentions to help you in your time of need. They do not. Since I have entered the hardship program, they sent me notice of default on my accounts, and threatened to cancel my accounts, reported me as much as 120 days late on all 3 of my accounts all while being enrolled in the hardship program. My understanding of this program was if I could not make a payment for a certain time frame, I would be protected while enrolled. If at any time I could make a {$25.00} payment to prevent further issues, that was acceptable. My understanding of their hardship program was to help people. NOT DESTROY their credit. I had an excellent payment history with all of my credit cards with them, but this just completely ruined me. They also did not explain in any way, that after you get caught up on your accounts while on the hardship program-that they then restrict your account for another 3 months-and still continue to report you late to the credit bureaus. I had reached out on SEVERAL occasions to inquire about changing my payment due date to coincide with my SSDI benefits, so that I could make sure my payments were made in a timely fashion and without having trouble paying. They flat out refused ( after telling me on more than one occasion they could change my billing date ). They claim payment due dates can not be changed while enrolled in a hardship program. How is that supposed to help me? It does NOT, it hinders my ability to make timely payments as agreed once I entered into the hardship program. Despite being caught up since XXXX, they have restricted my cards for 3 additional months, in which they STILL REFUSE to change my billing date. How can this even be considered a program to HELP ANYONE but themselves? When they offered insurance for this type of scenario, I always had payment protection on all of my cards specifically for issues like this, but they eliminated all programs to actually HELP people. I had filed a complaint with the XXXX  but all they did was have someone from corporate call and apologize to me and again go over the terms of the hardship program. NO help at all.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. 
I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the XXXX XXXX XXXX XXXX account has been resolved with Equifax in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent accounts from my credit report as they are fraudulent information. I'm expecting that the credit bureau will help me with this matter, I want to thank you in advance.