davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (IL)

After paying off a personal loan through UPGRADE Inc. They started emailing me about another loan & possibly a review. I was too busy but had planned to do a Review possibly. That next week or 2, I received an alert of a new account from UPGRADE INC?? They had REPORTED a New Loan and a Balance even larger than I Had Recently Paid IN FULL. I called them - they kept me on HOLD for an hour & hung up. I emailed them. I disputed.... I soon received an email from a " SUPPORT '' Department. After Refusing to Write a Review because My Account AND Credit has gone through Turmoil w this Company just for Retaliation. After I refused - I received an alert that My Credit Score had dropped 48 points because UPGRADE has Now Fraudulently Changed My History DRAMATICALLY from 98 % to 50 %!! I am a 100 % XXXX XXXX XXXX, and this has been beyond stressful. All because I wouldn't Review this Company? They hung up on me so many times, I had to go this route.
Consumer complaint received 2021-03-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (OH)

The TCF Bank XXXX, XXXX XXXX was corrupted with his friend, XXXX XXXX XXXX, retired local bank, blocked paying off all of my loan Payment with by representative, XXXX XXXX XXXX who I paid and hired to handle my paying off the total loan amount. I had XXXX lenders who wanted to lend money to pay off my entire loan amount. I requested repeatedly XXXX XXXX XXXX but He refused to meeting with XXXX XXXX XXXX. He was having meeting with XXXX XXXX XXXX and communicated with him. The Bank illegally took all of my properties. 
I was paying all the payment without default. The bank delayed and dragged the time. They are corrupted badly and took all of my asset which is all of my life saving. 
I and my family suffer so much. 
Please help me and help many others from their serious criminal acts. 

I have attached a file.
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

i'm filing this complaint to see if I could get some help to get this matter resolved I have contacted the debtor as well who they claim that they got the debt from however both companies stating they do not have the debt and can not talk to me about it and still reporting on my credit report i have tried several times this does not belong to me I would like to see if I can get some help to have this removed from my credit report thank you the last complaint i file i was told i needed to file a affidavit which i don't understand because im asking for a copy of the debt stating it belong to me but that have yet to provide to me and they also told me inform the credit bureaus that my information have had some fraud activate in which i did back in 2019 also i hade file a police report i have enclose a copy of my police report and a copy of my credit report
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (UT)

Caine & Weiner as well as XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on there. I was very confused as the debt is for the current insurance that I have. I have had progressive for a very long time now and have never received any noticed of any past due amount. I make my payment on time every month so I'm not sure why they are reporting a collection. This is erroneous and it must be removed. I never received calls, notices or any correspondence regarding this debt violating my 30 day right to dispute. This debt is not mine and I do not owe it and it must be removed from my credit file.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (TX)

Collection Agency : Scott & Associates PC ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX XXXX. 
File Number XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities, and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers, and also attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XXXX, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (AL)

I received an email from XXXX XXXX offering an agreement to pay a lesser amount if I paid the lesser amount in full. The lesser amount would satisfy 100 % of the debt with Affirm. I agreed and issued payment on XX/XX/year>. I have the supporting documents. Affirm is continuing to pursue the difference and is illegally reporting the false debt on my credit report.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

I have a number of accounts with Synchrony. Last year when I was downsized because of Covid, I called the company and explained I was out of work and needed help because of Covid. They very nicely told me I didn't have to make a payment. Now they are showing I am behind on making payments and are closing any open cards I have.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XXXX is holding my credit reporting for no reason. 
I am in the process of refinancing my home and the lender hasn't been able to retrieve my credit. I have already communicated with the company to resolve the issue and they haven done anything to clear the situation and release my credit report. They asked me to send supporting documentation to verify my identity and they still have not addressed the issue.
Consumer complaint received 2021-03-17
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. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$97.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no valid claim, no contracts exist ... accounts were settled with original creditors and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide 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 you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is holding my credit reporting for no reason. 
I am in the process of refinancing my home and the lender hasn't been able to retrieve my credit. I have already communicated with the company to resolve the issue and they haven done anything to clear the situation and release my credit report. They asked me to send supporting documentation to verify my identity and they still have not addressed the issue.
Consumer complaint received 2024-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CULLEN/FROST BANKERS, INC. (TX)

I am trying to pay off an outstanding balance on my HELOC with Frost Bank. Every month, the app somehow has " technical issues '' that prevent me from transferring money from my external checking account to my Frost checking account ( which they require me to have ) so I can process the payment. 

First, I should not be required to have a checking account with Frost to make these payments. Second, the bank appears to be putting up roadblocks that keep me from paying off my balance at an amount and timeframe that I prefer to pay. Frost closed the checking account I am required to maintain earlier this year because it did not have enough money in it ( in their minds ), and I was required to go through an entire other process to have that reopened. Further, when I attempted to pay this month, the app shows a " {$0.00} '' transfer limit amount and send an error message telling me to " try again later. '' Second, I logged into the bank 's website from my computer, and even though my external checking account has been added to my profile, it does not appear as a transfer option when I try to use the web-based software to transfer money between the external and Frost account . The chat agent then tells me to go withdraw the cash from the other bank and deposit it with the local Frost branch. All of these apparent " errors '' make it harder for me to make timely payment. This causes me to accrue additional interest amounts that I would very much like to avoid. Frost should not be in a position to cause such delays to my payments. 

These roadblocks and impediments to making my payments appear to be calculated to ensure Frost makes me maintain a large outstanding balance so that the bank can continue to profit off of the interest amounts the bank is causing me to suffer. I know their software works just fine, as I've transferred and paid on this account in the past. The bank should be penalized for these predatory lending practices.
Consumer complaint received 2021-03-17
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: CORELOGIC INC (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (GA)

This company has been calling me numerous times a day everyday. I eventually blocked the number and they now call over and over again from different numbers. I have spoken to several different representatives and tried to get information on this debt and amount because I have already spoken to the company directly, each time I was called a liar and told to PAY NOW! I believe this company is fraudulent and so is the charge on my credit report.
Consumer complaint received 2021-03-17
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: Fidelity National Information Services, Inc. (FNIS) (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXXXXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2024-09-10
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : Department of EducationXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer Law. 
Previously I requested you to conduct investigation regarding the account name and account number reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the, pursuant to 15 U.S. Code 1681s2 inaccurately reporting You are violating my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.