davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (NY)

I took out a {$29000.00} loan with Upstart in XX/XX/2021. Since then, I have made 29 payments, ranging from {$800.00} to {$1300.00} each. Currently, my balance is {$27000.00}. 

Upstart is unable to explain how I could possibly pay almost $ XXXX in payments, yet my loan balance has moved virtually nowhere. 

My thoughts are it must be due to the predatory nature of their services, which include - High late fees- Compounding daily ( or every hour?? )
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

In XXXX and XXXX I disputed these two accounts on my credit report SBA never late XXXXXXXX XXXX never late I supplied information to transunion that payments were made on time and it should ve current. Transunion never sent me results and never looked into this matter. XXXX updated my account as paid off but late payments remained. Transunion did not verify the information therefore both accounts should be deleted off my report. 
XXXX XXXX personal loan not my account disputed many times and ask for my signature on contract, transunion failed to furnish me with that snd never sent results. This item should be deleted off my credit report immediately
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-19
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (LA)

XX/XX/year> XXXX I received a call from a guy saying he was a representative of XXXX XXXX doing calls because they have been getting complaints that drivers are letting other people use their accounts to do deliveries. 

At the end of the day somehow he used a XXXX XXXX to get into my account and steal {$60.00} from me and a {$2.00} fee to get my money.
Consumer complaint received 2021-02-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group (CA)

I XXXX XXXX entered into a consumer credit transaction with Ascendium Education Solutions ( Group ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

Account was frozen sent in id and they said they are going to close the account and hold money for 180 days but its my money and I need to use it its XXXX $ and they said they are holding it for 180 days I just need my money I dont care about the account being closed
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (PA)

Contacted Wells Fargo the week of XX/XX/2023 stating that I unexpectedly lost my job, Iam a single mother and temporarily unable to pay my mortgage as well as all the other living expenses for my son and I. They stated they would have a home preservationist specialist contact me which she did and said I was denied work out options with them due to me receiving unemployment. As a single mother and limited allotted amount of food stamps, they stated unfortunately they can not help me push payments back until iam back on my feet again which in hopes to be sooner then later. I do not have any friends or family to help.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

The list of accounts below has violated my federally protected consumer rights to privacy and confidential 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX , has violated my rights. 
I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

Destiny continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history
Consumer complaint received 2023-08-03
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. (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I got scammed last year, where in a person claiming to be from Concession Solutions XXXX XXXX XXXX paid XXXX towards my XXXX XXXX bill, and asked me to pay XXXX by Money Order to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America on XX/XX/2022. The XXXX bill payment was then reversed. I filed a complaint XXXX XXXX XXXX with the US Postal XXXX, XXXX with the XXXX XXXXXXXX Police Department and XXXX XXXX XXXX MO Attorney General at the advice of the Office XXXX XXXX ( XXXX XXXX XXXX Bank of America closed this saying they would work with law enforcement, but not the XXXX who they identified as a compliance/regulatory agency. Communication and screenshots are attached. 
I reached out to Office XXXX XXXX who filed my report multiple times by various means and updated on the response from Bank of America, but there hasn't been any update on this complaint progressing.
Consumer complaint received 2023-12-04
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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. (NJ)

Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN/ XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX EXPERIAN EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-04
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX account # XXXX opened XX/XX/2023 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-04-12
Product: Credit reporting 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)

Subject : Dispute of Credit Report Information Under 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report as provided by [ Credit Bureau Name ] . According to my recent credit report, there is an account listed under the name XXXX with the account number XXXX. 

Upon reviewing this information, I must bring to your attention that I have not provided written consent to either furnish or obtain information regarding this account. As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, it is imperative that any information reported on a consumers credit file be obtained with the express written consent of the consumer. 

Since I have not provided such consent, I request that [ Credit Bureau Name ] investigate this matter thoroughly and promptly remove the disputed account from my credit report. Additionally, I would appreciate receiving written notification of the actions taken as a result of this dispute, in accordance with my rights under the FCRA. 

Please consider this letter as a formal request for investigation and remediation of the inaccurate information on my credit report. I expect prompt attention to this matter, as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

On or about XX/XX/2018 I received a debt collection notice for Debt Recovery Solutions out of New York, alledging I owed a debt to XXXX XXXX XXXX. 

I researched XXXX XXXX and found that they appear to be out of business so I could not contact them directly. I wrote a letter to Debt Recovery asking for verification of the debt that must include my signature as validation that I had agreed to any such services. First letter mailed on XX/XX/18. 

Second letter to Debt Recovery mailed on XX/XX/18 advising that I had not received any response and to ensure they removed any and all debt collection trade lines from my credit report. 

The few days later I received a response with some computer generated statement as their attempt to validate the debt. 

I sent another letter on XX/XX/18 disputing the validity of the debt again and disputing their documentation since it was computer generated and anyone could have created it and it did not include my signature or any authorization from me for said services. 

I have received no response to my 3rd letter. Debt Recovery has refused to respond to my reasonable demands that they prove I owe this debt. They are harming my credit and my reputation with their trade lines and I should not be obligated to pay something to some third party if they can't show written evidence I agreed to anything. 

As far as I can tell I do not owe this debt.
Consumer complaint received 2024-02-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (LA)

I do not recall having a loan with this company .I just finish cleaning my credit up my credit with XXXX XXXX XXXX XXXXXXXX XXXX pull all 3 of my credit reporting agency and this debt was not on any of my credit reports. This collection agency Plaza Services is trying to collect a debt that not mine on XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

I have spoken to Mohela customer representatives multiple times throughout the year 2024 after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to Mohela. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

please respond asap IN WRITING Q : Is there a record or flag on my loans that show it was to be urgently and fully XXXX under SvC? Q : Is there any payment history that is hidden to XXXX, known only to mohela that might be a reason for the delay on the instructions? Q : Is there anything about this loan discharge that is more or less complicated than other loans in this category? Q : Is Mohela aware of the BD apps that are overdue?
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.