davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (VA)

I tried to register a Experian account for " Experian CreditWorks Basic '', to get all marketed benefits : Free Experian Credit Report and FICO Score Increase your FICO Score with Experian Boost Report and Score Refreshed Every Day On Sign In FICOScore Monitoring with Experian Data Experian Credit Monitoring and Alerts Free Dark Web Surveillance Report Free Personal Privacy Scan Credit Cards and Loans Matched for You However, after filling all required information, it says : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or Unfortunately, we have not been able to properly identify you from the information provided. Please note that your order has been canceled. If you continue to have issues, please contact Customer Care. 

I dialed the phone number, and there's no real-human customer services to verify me. And the automated system didn't help me at all. So I wrote mail to the Experian, and they didn't solve my problem, so I still can't register the Experian account.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Acceptance Corp (KY)

Their info was never on my initial paperwork from the person selling the product I bought so i couldnt find who to contact when my bank situation changed but when I tried over and over again to email them and their lawyers to ask for things to get fixed because it all has been paid in full. I have received paperwork from the judge and from the their lawyers saying its all paid in full. None has been charged off so thats fraud if they say it has been. Because they took me to court and took it all through garnishment!!
Consumer complaint received 2022-11-14
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. (TX)

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER XXXX. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (CA)

I purchased Google XXXX gift cards totaling {$250.00} ( {$70.00}, {$80.00}, {$40.00}, and {$25.00}, {$40.00} ). Despite verifying my account, I receive an error message stating " we need more information '' when trying to access the funds. Multiple attempts to contact Google Support have been unsuccessful.

Specific Issues : 1. Failure to provide accessible funds 2. Inadequate customer support Desired Resolution : 1. Resolution of the issue or refund/exchange 2. Improved customer support
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (AR)

There are some things on my report that are inaccurate. Like being a XXXX offender. I have never been convicted and I have never done anything like that. On my report also shows my mother XXXX XXXX and she should not even be on my report. Yes some of my criminal stuff is accurate. That was years ago. I have since changed my life around for the better. I did a year long XXXX  program. And it saved me. Me being able to work and support my family is the only thing that keeps me going. That record is not who I am today. But some. Of the things on there are not correct
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (IN)

I asked my mortgage owner XXXX NewRez to reassess my loan-to-value ratio because I believed I had reached the 20 % equity mark. NewRez said they would request a new appraisal, but nothing had been done in over a month. Whenever I call I never get any help other than confirmation that they submitted the request. Meanwhile, I am still paying PMI when I should no longer be.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc. (FL)

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : Dispute of Unauthorized Information Disclosure Pursuant to XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. 

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681. 

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (MO)

I pulled my credit report again on XX/XX/year> and seen that Security Credit Services has been placed back on my credit file saying that they verified that this account is accurate but have been removed from my credit file mutilpe times without showing mt prrof of the debt they say i owe them. I have asked for the bill of sale and also reqested that this company been on a cease and desist until they can prove the I made a consent or any business with them. They have damaged my life and my credit over the years and I demand this to stop immediatel under 15 USC 1693*g ) and 15 USC 1692 ( c ).
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (LA)

As of XX/XX/year>, this collections debt was placed on my credit report. I haven't open any accounts with Debt Recovery Solutions. I have requested the original contract three ( 3 ) times from them since XX/XX/year>. I asked for it by email twice and by mail once. I have not received any information from them thus far.
Consumer complaint received 2024-09-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC (KY)

This company does not respect the consumer law. I filed a complaint with the CFPB on nationwide capital services llc. They did not respond within 5 days of me asking for validation of debt. They have not send proper validation of an alleged debt. I disputed and challenged there validation of debt. They continued to report on may consumer report after i dispute the validity of the alleged debt. And now they are attacking my XXXX consumer report after attacking my transunion consumer report first. I Disputed threw certified mail with in 30days. They did not give me 30 days to investigate before reporting to another CRA. This is a formal dispute of validation.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Tally Technologies (NC)

On XX/XX/year> XXXX financial sold my credit line to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/year>, XXXX sent an email stating that they were suddenly closing, which is very strange because my XX/XX/XXXX statement they took the payment, it was a regular statement without a problem. When I sent an email to inquire what would happen to the status of my credit line of {$15000.00} it was just replied that no information was available at that time. When the transfer was made to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  it was done without a formal introduction from XXXX just a sudden email again from Tally that effective XX/XX/XXXX, they could no longer take payments, all of this was very confusing to everyone who had accounts with them, and the email stated to make sure that we made our payments by our due date, my due date was XX/XX/year>. On that day I suddenly get an email from XXXX stating to make sure that I make my Tally payment to them, I am just being told to make a payment to a company that I never signed any agreements with, I do not even know who XXXX  is and now what they sent me is showing that instead of a {$15000.00} credit line I now have a loan for {$9600.00} the balance that was owed to Tally with a higher fixed XXXX showing the large amount of interest fees I will owe. I am so confused due to I never signed up for a loan. I had a credit line and the payments were made before time every month not ever was a payment late or missing. I also had signed up for Tally plus where I paid an extra {$25.00} every month and was charged {$360.00} extra each year for this. There has to be a law here that was broken or violated. My name and my Social Security number and my personal information was just given to another company that I never signed anything with them and right now I still have not signed anything with them. I am just very confused. I am now instructed to pay another company that I never signed to do business with, I signed to do business with Tally XXXX. Others have also posted online trying to find a solution for somewhere. There has to be a law that was violated, a law that was broken and violates my right.
Consumer complaint received 2023-07-03
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. (IL)

The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
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: ENOVA INTERNATIONAL, INC. (FL)

In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.
Consumer complaint received 2024-09-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MA)

This debt was a glitch in the apartments system. They said it was glitch and it has been happening lately. This should be removed from my credit files.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (NV)

Just attempted to deposit money into my checking account and it didn't go through. I then logged into the XXXX app and my accounts show {$0.00} ( which has been the balance for 2 days ) and the deposit is missing but wasn't rejected yet by the sender. 

Underneath my balance the app and website says " balance update unavailable ''. I tried to access XXXX and that's unavailable as well, i then called XXXX from my cell number attached to this complaint and no one ever came to the line. 

This is SCARY!
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. ()

I am filing this compliant to express my deep disappointment and frustration with your companys handling of my loan account. As a military service member, I have faced financial hardship due to job loss and delays in military pay. Despite these challenges, I made an effort to reconcile the debt directly with your company, but my attempts were met with refusal and inflexibility. 

Rather than work with me to find a reasonable solution, Upstart chose to sell my account to a third-party collection agency, XXXX XXXX XXXX XXXX. This decision not only ignored my financial situation but also left me in the hands of a predatory and unethical debt collector, exacerbating the stress and harm to me and my family. 

I contacted XXXX XXXX in good faith to settle the debt or establish a payment plan, but they have been completely unresponsive. Furthermore, on XX/XX/year>, while I was away on military orders, they sent unidentified individuals to my grandmothers home, causing unnecessary distress to my family. These actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and show a lack of basic decency on the part of the company Upstart chose to sell my account to. 

As a loan originator, I believe Upstart has a responsibility to ensure that its customers are treated fairly, especially those of us who are military service members. The Servicemembers Civil Relief Act ( SCRA ) provides specific protections to those on XXXX XXXX, yet XXXX XXXX has ignored these protections by filing a small claims case against me while I am on XXXX XXXX and in a jurisdiction where I do not reside. 

It is unacceptable that Upstart would allow this to happen to someone who tried to address their financial difficulties directly. I am calling on Upstart to take responsibility for this situation and work with me to resolve the matter fairly. I propose a settlement of 20 % of the delinquent principal at the time my account was sold to XXXX XXXX. 

I trust that Upstart will reconsider its approach and do the right thing by intervening in this matter before further legal actions become necessary.
Consumer complaint received 2024-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MI)

Paid {$110.00} for XXXX prepaid card at gas station got home tried activating it had a we ran into a issue pop up I called the number and was told I'm not eligible and now I must wait 30 days for refund sent via check that's unacceptable I should have the option of returning the card to the store or getting a ONETIME atm withdrawal to return my money as fast as they took it
Consumer complaint received 2024-09-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is, XXXX XXXX XXXX XXXX, I have a personal saving account with Bank of America., account number : XXXX XXXX XXXX. I am the victim of XXXX  banking theft. Yesterday XX/XX/year> someone opened a new checking account online with Bank of America, within few hours from the time they opened an account checking online, transferred {$20000.00} from original saving account to new opened account and withdrew {$9000.00} from Bank of America XXXX. The same day the theft XXXX XXXX, I unable to access to my email nor alert XXXX XXXX from bank of America. After my phone was restored, I found out from my email that a new account was opened at Bank of America. I dont know how the theft stole my personal information and how the theft got {$9000.00} cash within few hours. The theft also able to get around the bank protective procedures? I was very shocking big XXXXXXXX XXXX  like bank of America can be so easy to XXXX by the theft. Make me so worry to put money in XXXX major banks. 

I went to Bank of America near my house, after the representative found out information I was told that the theft withdrew {$9000.00} from Bank of America in XXXXXXXX XXXX XXXX branch. How someone cashing out {$9000.00} with new opened checking without suspecius by the bank employee? Many questions should be raised which should to investigate this XXXX Bank of America XXXX and its business practices; did the teller ask for XXXX IDs from the person withdraw large amount of cash or did bank teller verify person IDs? XXXX {$9000.00} is not small amount, did XXXX approved the transaction? Bank should review surveillance camera to identity who that the person is withdrew {$9000.00}, what security procedures bank did to protect its customer money they trust to the bank. All these need to be answered, thus, I request CFPB help to investigate this matter. 

Now all my account is frozen, I was told that it may take up to XXXX months to complete investigation to get my money back, meanwhile all my money in the bank account frozen in Bank of America. I can not withdraw money from my account. I aske for your help, I want all money release to my original account ( saving account ) including {$9000.00} withdrew by the theft, total release {$20000.00} and Bank of America should take full responbility. 

Original Saving account Bank of America : Account TItle : XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX XXXX XXXX