davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Upstart Holdings, Inc. (TX)

On XX/XX/2023, I took out the personal loan of {$50000.00} with 23 % interest rate, being convinced by a scammer. This scammer scammed me with XXXX investment and got me take out loans including the one from Upstart. 
After I noticed I got scammed, I called Upstart immediately ( on XX/XX/XXXX ) to seek any help they could provide to me. They couldn't lower the interest rate nor help me with their hardship program. Most importantly, even though I explained this loan was related to a scam I experienced, they said they can not do anything with it. Although the fund was arrived in my bank account, it was immediately transferred to blockchain and transferred to the scammer. 
I am hoping Upstart to reconsider this situation and write off the loans.
Consumer complaint received 2023-12-09
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CO)

I went to go take money off of my son 's XXXX card to pay the mortgage ( it's a direct express card ) I went to the ATM and it said insufficient funds, so I tried it again and the same thing. So I went to the car and called my card to see if the money was put on there and they did. Then I called and checked the transaction history and when I heard the charges I immediately hung up and called to dispute the charges. The charges are on XXXX XXXX XXXX XXXX  in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The second charge is the exact same as the XXXX except it XXXX. one minute later. The next charge is XXXX XXXXXXXX. in the amount of XXXX at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im confused on how anyone obtained this information as I only use the card at the end of the month or the XXXX  of the month at an approved ATM. I don't use it at stores or online and I don't keep ANY cards stored in my phone. I've already filed a police report with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (KY)

I looked up which banks were offering bonuses for opening a checking account and determined which bank to go with which was Wells Fargo.It was contingent on me opening a direct deposit of at least XXXX within 90 days. It was opened XX/XX/year>. I called them today and was told there was no record of my entering a number for the account. I really don't remember if I put a number in but it seems if there was a spot for it I would have done it. My question to you is can they offer something, you apply and then get approved and then told its by invitation only basically. I know I did get a offer through the mail about the bonus on the credit card I have with them and they fulfilled the bonus. I actually applied for a second one and was turned down with some lame excuse about not knowing if I was going to keep it paid. I have credit score in high XXXX 's and cards with XXXX for over XXXX worth of credit that I currently owe @ XXXX dollars. I only did it because it was the fourth one I had received from them. Please let me know what you hear from them. I did ask them how many people they had done this too
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OR)

Im a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My father was a XXXX during the XXXX XXXX at saw combat at the XXXX XXXX. At the age of XXXX, he XXXX XXXX from what we now know as XXXX. 
This motivated me to honor veterans with high school teenagers. For XXXX  years, XXXX high schools, XXXX students, Ive have taught students that the cost of their freedom comes at a very high price. 
From XX/XX/XXXX - XX/XX/year>, my wife and I drove a XXXX XXXX XXXXXXXX to honor and apologize to our XXXX XXXX. 

During our stop in XXXX, Ohio, my Non- profit debit card information was somehow stolen and used at two different XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, I was using the card at all of our stops around XXXX. 
I started the fraud investigation with Key Bank Fraud department. Hours were spent over the phone going over every transaction. After about four months, my claim was denied. 
I called and asked to reopen the case. It was denied a second time this past XXXX. I was told that I had to have made those purchases. I asked how could I have made all of the other purchases around XXXX during the same time period. I still have not received an answer. 
Remembering XXXX XXXX is a small non-profit, just em and my wife, no salaries, and we are talking about {$1200.00}. This is a huge loss for us. I was forced to cancel XXXX appearances with XXXXXXXX XXXX in Oregon. 
I hope and pray that you can help me. Getting the {$1200.00} back would be very helpful, but a donation to XXXX. would help heal all the frustration and stress Ive dealt with.
Consumer complaint received 2024-04-15
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. (NV)

Yes I have sent in letters certified with inaccuracies on my report. These letters have been signed by the credit bureau confirming they have received them. I have disputed these account numerous time and nothing has been fixed or changed but they claim it has. There has been numerous violation with no action being taken. I demand these accounts be removed. I have a court date set in place to sue for these violations.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-08
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: Aargon Agency, Inc. (NV)

This complaint is directed at AARGON Collection Agency, This corporation has been falsely reporting and illegally reporting and providing private information to 3rd party affiliate which is direct violation of the stated USC listed in this complaint. I've also requested to opt out on multiple occasions to no avail.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), July 21, 2010, 124 Stat. 2095. )
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Consumer complaint received 2023-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (UT)

XXXX. I can not afford to pay a monthly amount of ~ {$800.00} toward my student loans, and I need to change my repayment plan from XXXX to Extended Fixed Repayment plan. 
XXXX. I was approved for the borrower defense student loan discharge. I need to confirm how much of my loans will be discharged and how long that process will take. So far I only see about half the amount removed from my total loan balances. 
XXXX. I am currently in school full-time this semester, half-time next semester, and am on track to graduate next XXXX. I need to know if I can be placed on in-school deferment during the time I am enrolled in school. 

First, I had to wait until 2 weeks ago to make the first contact to customer support because they were in the process of moving my balance from one servicer to another and all I could see was a {$0.00} balance and no monthly payment information. Finally, I was able to see my balance and monthly payment info on their website as of XXXX. 

Their website says I must contact customer service through phone call, email or chat. I tried their online chat service, but I only get an error message that states the chat service is down. I emailed them twice within the past 2 weeks and have not received any replies. I have called multiple times at different times of the day only to get an automatic message saying my hold times would be 6+ hours each time. I have tried every way possible to contact their customer support but can not get through. I need someone to contact me regarding the 3 issues I listed above before my first payment is due.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CT)

On XX/XX/XXXX, I initiated XXXX XXXX  transfers. XXXX for XXXX, the other for XXXX. On XXXX, XX/XX/XXXX I received received a call about verifying the bank information and the XXXX transfer transfer was authorized. I asked about the other transaction, the one for XXXX}, and was told that it was verified bank to bank and was in process. 

I later found that the transaction was reversed. On XXXX, XX/XX/XXXX I received XXXX  phone calls from XXXX Goldman Sachs, asking me to verify my information, but despite providing all of this information, the XXXX transfer was not completed. that transfer was again reversed for no apparent reason. 

Today, XX/XX/XXXX, I called XXXX Goldman Sachs again and was told that if I initiated another transfer XXXX  it would take place this XXXX. That did not happen. It has now been XXXX days since I initially requested this transfer and XXXX, Goldman Sachs is still holding my money.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (IL)

My preparer deposited my XXXX XXXX XXXX into a chase bank that isn't mine on XX/XX/XXXX in the amount of {$7000.00}. WHERE'S MY REFUND showed " XX/XX/XXXX '' my refund was sent to bank. After 5 days of not receiving anything I called the IRS. The IRS gave me account and routing # s that linked to XXXX XXXX. XXXX received my refund, THEN SENT MY REFUND TO XXXX, A XXXX party bank. After Logging onto XXXX using my refund amount, Social # and filing status, I saw XXXX was " expected federal amount '' Under " amount paid to you '' I see {$8900.00} which is what i expected to be deposited into MY BANK account I gave preparer. I scroll down further and see " XXXX XXXX XXXX XXXX  '' Something I have never known existed, I had not been informed about any Advance loan. I see " approved '' direct deposit sent to account # -- -- -- -- - XX/XX/XXXX In the amount of {$7000.00}. I was completely lost, as I didn't think my refund was coming until XX/XX/XXXX, the date shown on the IRS WHERES MY REFUND. I reached out to my preparer about this {$7000.00} advance loan being deposited into an account that I did not give her and she never responded. I called XXXX about the {$7000.00} advance in my name, that was sent to this bank account. XXXX tells me, they only deposit funds to whatever account # was listed on the XXXX. They do give me the ACH #, The account and routing, and the name of the bank my funds were deposited to - XXXX. I called Chase, gave them all the information I was given, they looked into the account and confirmed there was in fact, {$7000.00} in my name that was deposited into this account, who's name did not match the name on my money. I received a {$1900.00} check in the mail from XXXX, What's left after advance. Chase bank should have rejected this deposit! This account holders name IS NOT MINE, which is the name listed on the refund. Chase bank couldnt do much because its not my account, they could only confirm the name listed on my refund/advance didn't match the name associated with the account it deposited to. I can't request a release or recall because I am not the account holder under this business account. Chase bank said to reach out to the merchant/sender XXXX but they tell me they can't do a recall or initiate a transfer and that I have to contact the bank my funds were sent to. I have done that already, chase won't release my money to me. They won't contact the account holder about money they know isn't theirs, isn't in their name, that has been deposited to them. I have done everything XXXX can regarding this. I just want my money sent to my address, or bank but Chase won't release them and XXXX XXXX XXXX XXXX XXXX won't reach out to chase to initiate a release, indemnity letter Etc. This is my last hope, I don't want to give up! Please help me.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (TN)

Upon review of my consumer reports XX/XX/year>, I noticed that there was an account furnished by XXXX XXXX on my consumer reports. The accounts are being reported to EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to ensure that they receive my notice and respond with a comprehensive reinvestigation. My notices of disputes have been ignored by other companies and that in itself is time consuming having to send an additional letter out. I want the multiple accounts reinvestigated.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My information was sold bought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit score reports.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (NV)

Yes I have sent in letters certified with inaccuracies on my report. These letters have been signed by the credit bureau confirming they have received them. I have disputed these account numerous time and nothing has been fixed or changed but they claim it has. There has been numerous violation with no action being taken. I demand these accounts be removed. I have a court date set in place to sue for these violations.
Consumer complaint received 2024-01-04
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. (VA)

This is in reference to : XXXX XXXX Account : XXXX XXXX due : {$400.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Equifax is reporting an account I did not authorize on my credit. I also gave them a police report. I asked how this happened and they gave me no answer. They said that they would do an investigation and that it would take 30 days. It has been beyond 45 days and I have not receive anything. This is illegal and against Fair Credit Reporting Act. Please remove the account below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

has violated my rights. Or a list of inquiries : 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 person knows or has reasonable cause to believe that the information is inaccurate.