davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (OH)

Upgrade, Inc continues to ignore requests, in writing, for an ACH Revocation. No attempt to rectify the situation has been successful. Requests for the removal of bank accounts from their systems go unanswered. There is no way to remove bank accounts from their system under user preferences on the website. Repeated requests ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) have failed to stop them from accessing my bank account without continued authorization. Multiple attempts to revoke authorization, formally and in writing, have been ignored. 

At this point, the lack of available avenues for correction lead me to consider that Upgrade has stolen my identity and is making withdrawals from my account " as me '' illegally after having been requested, told, and even warned of impending reporting to the CFPB and FBI for identity theft.

They have absolutely ignored every request without response.

Also, they artificially deflate a credit line to increase the percentage of debt-to-credit ratio without any advance warning. This creates an artificial higher and " beyond maxed out '' debt-to-credit ratio when the original debt on the card was far before the maximum credit available. This is predatory and, as it turns out, a common complaint about Upgrade.
Consumer complaint received 2024-07-09
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: Affirm Holdings, Inc (TX)

In XX/XX/XXXX, my accounts with Affirm ( Account Numbers : XXXX, XXXX, XXXX ) were locked and placed under investigation. During this period, I received explicit verbal instructions from Affirm representatives not to make any payments until the investigation was resolved. 

Despite following these instructions, late payments were reported on my credit report for XX/XX/XXXX : XXXX : 90 days late XXXX : 60 days late XXXX : 30 days late I contacted Affirm multiple times to resolve this issue and was informed that regulatory constraints prevented them from amending the credit report. This response contradicts the verbal instructions I received during numerous calls ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), advising me not to make payments while the accounts were under investigation. 

I actively attempted to make payments during this period but was initially prevented from doing so by Affirms system. Only after insisting and escalating the matter to a supervisor, and after multiple attempts, was I allowed to make a payment using an alternative method. 

On XX/XX/XXXX, I contacted Affirm again to address these discrepancies, but the issue remains unresolved. I have sent a formal dispute letter to Affirms XXXX XXXX office, detailing these inaccuracies and requesting an investigation. I included screenshots of a XX/XX/XXXX email and detailed call logs as evidence. 

The inaccurate late payment entries on my credit report do not reflect the actual circumstances and are compromising my creditworthiness. I request a thorough investigation into these entries and their removal from my credit report. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC XXXX XXXX XXXXXXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (VA)

Opened Current checking account on XXXX XXXX2024, deposited {$1600.00} into the account XX/XX/XXXX and transferred out to a linked account. Account was restricted on XX/XX/XXXX while a deposit was pending for another {$1600.00}, deposit posted on XX/XX/XXXX. Received email from Current Banks fraud team advising the account was temporarily restricted and they requested I submit a copy of my most recent bank statement from the bank I was making the deposits from along with a picture of my ID. I submitted this information XX/XX/XXXX along with an explanation of why I transferred my funds to a different bank than I deposited from. I have since received little to no communication from the bank. Whenever I request updates the only response i get states that the account is still under review.i have requested for assistance from a XXXX  only to be emailed saying I need to respond to the fraud team to move things along. I have requested more detailed updates as to what is taking so long as my account has been locked for over a month and for my funds to be released to me with no response or a way to obtain my funds. I attempted to transfer my funds to another bank which Current reversed my transfer. The company has a link on their website to their legal documents that advises if suspicion on an account is suspected they will reach out first, I was not notified before my account was restricted. I was also told by multiple people at Current that the review could take up to 10 business days, it has been past that time frame with no more information than I started with.
Consumer complaint received 2022-12-05
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-07-01
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

Last year, when I paid my Macys credit card bill, I immediately noticed an additional charge of around {$25.00} that I did not recognize. I called Macys customer service several times, but they never gave me a clear answer. Despite my repeated inquiries about the origin of this charge, nothing was ever clarified. I requested an investigation, but Macys showed no interest. All they kept telling me was to pay the amount, but I insisted that I wouldnt pay it until they clarified where the charge came from.

In the end, I had to call and pay {$31.00} to avoid damaging my credit. They assured me over the phone that I wouldnt be charged a late fee because I explained my reasons, but Macys lied and placed a late payment on my record in XX/XX/year>. This was the worst customer service experience Ive ever had. 

They were only interested in getting paid, behaving like the XXXX, and never wanted to clarify the charge. This is what happens with these big companies ; they treat the working class like they dont matter and can damage anyones credit if they feel like it.

Thanks to Macys, my credit was damaged. I have never had a late payment with Macys and have always paid on time, but Macys never cared. My questions were only met with demands to pay or pay.

What they have done is very unfair.

I am a cybersecurity student with exemplary grades, and Macys damaged my credit because of an injustice.
Consumer complaint received 2024-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc. (GA)

Previous complaint : United Credit Bureau has been communicating with me about my medical debt. On XX/XX/XXXX, I phoned them and got them to agree to send me a written agreement- I would get a discount of 30 % off the payment- they would notify all credit agencies upon payment that this debt was paid in full and can be removed. I emailed them as a follow-up, but didn't hear back from them. On XX/XX/XXXX, UCB phoned me again and offered me a 35 % discount off the payment. They also said that it was a time-sensitive discount and that my time was running out before things escalated. I said I agreed to it and would pay, provided that they would email me a written agreement that they would notify all credit agencies upon payment that the debt was paid in full! They no longer agreed to it, and tried to push me several times into paying! 


New complaint : UCB closed my previous complaint by saying that they would mail me a communication. However, in line with their previous aggressive tactics, the letter finally arrived today ( XX/XX/XXXX ) and it stated that : - I had to pay before XX/XX/XXXX however the letter arrived AFTER the deadline passed- they provided a new provider name that did not match up with the provider name that they sent earlier as proof - their account reference number did not match up with the account number they gave me earlier so should I have paid, it likely would have been marked unpaid on my actual account- I requested written agreement that all credit agencies would be notified upon my payment. this was not included.
Consumer complaint received 2024-06-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (NV)

I do not recall ever having a balance for the loan that they indicate which was a HELOC. I did have a loan with Chase Bank for a home. My bankruptcy was discharged XX/XX/XXXX. I recently was added to my mother 's bank account with Chase. This was when I started receiving threatening correspondence from chase that is very very confusing and is trying to collect money. XXXX notice says we are providing more details for customers who have filed for bankruptcy, including those discharged of personal liability. However, they then seek to collect a new balance of {$250.00}. I have received at least 2 statements from them. When I went to the bank with my mother I asked them about it but the person helping me really didn't know anything. I am not going to contact them directly because I do not acknowledge this debt. Any and all debts that I had with Chase Bank were discharged in bankruptcy, and as stated, I do not believe that there was any balance on the HELOC. You can see they are trying to collect the debt because there is a next payment amount of {$250.00} and a next payment due date of XX/XX/XXXX. It has been at least 13 years since my debt was discharged.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. My loan applications are being turned down because of inaccuracies in my credit history despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Someone stole my personal check from the mailbox and forged it. She cashed it at Chase and deposited it into her own Chase account. So Chase cashed a forged check. They will not refund my stolen money. It is {$1200.00}.
Consumer complaint received 2024-07-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (SC)

My job was slow, so I go to title max and take out a loan with my truck title, as soon I did, about two week ofter I was of work, so my bills started to get back up on me even my house payment but they all understand and and feel my pain because I explained the situation to them and they understand, so cut along story short, so I explain the situation to title max and its seems likely they wanted to take advantage of the situation, with calling me treating me my saying my truck a rist to pick up, even when I make a payment, today the XX/XX/year> I try to make a payment and the general was on the phone telling the representative not to take my payment if it not {$800.00} and some dollars, which If I could find {$800.00} a month for car payments I wouldn't needed a loan this the second times it happened, I didn't know the the intrest rate was 656 % and even if you pay {$800.00} a month their nothing out of it go toward the loan you still owe the amount with is {$5000.00}, they also trying to let take more money, now I can, t sleep at night, I feel like they have a guns at my head, I never, see a loan company refusing to take payment from a customer, its because she wanted to get my truck, thanks you for your help, I just don, t have the money to get a lawyer, looking farword for your help, again thank you
Consumer complaint received 2024-07-05
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was supposed to get a payout from multiple settlements for my data breeched and identity was exposed. I was not noticed by XXXX and XXXX XXXX XXXX XXXX  etc that my information was exposed. XXXX had to find out through XXXX.
Consumer complaint received 2023-07-10
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX THE BANK OF MISSOURI ) XXXX Balance : {$740.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-27
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. (CA)

On XX/XX/XXXX, I received my consumer report and some derogatory items being reported to my consumer report that didn't have Permissible Purpose, ( 15 USC1681b ). I have been a victim of identity theft ; someone has used my personal info for their personal gain. Please see attachments. Please delete all accounts/inquires listed below. 

1. ) XXXX XXXX XXXX, 2. ) XXXX XXXX XXXX 3. ) XXXX XXXX 4. ) XXXX XXXX XXXX XXXX  1. ) XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (FL)

I opened a CoinBase XXXX currency trading account using my XXXX passport and XXXX drivers license about XXXX years back. Then in XXXX of this year, I got an email from CoinBase to say that I must prove my residency, as I was now communicating from XXXX XXXX. I then said, I am someone who works XXXX and move my locations frequently ( a digital nomad, if you will... ) and so I am not able to do that every time I move and it makes no sense, as I have already proven my eligibility to open a CoinBase account based on my XXXX citizenship and proof of permanent residency in Florida, as all my mail is sent to my XXXX address, which also happens to be the address I use to file my XXXX tax returns. 

I was then asked by CoinBase to send my XXXX tax returns by email to prove this. I then said, I will not do this, as it contains my social security number and date of birth and all my income, which I will not do, nor do I need to, as a copy of my passport and drivers license is sufficient to prove my eligibility to have an account opened. 

I have tried to reach CoinBase by phone ( XXXX ), but there is a recording that asks its callers to contact its help center which is an online chat system with no option to speak to a live person. All communication is done via messaging. 

I have raised the concern, that all XXXX citizens living and working XXXX MUST report income generated, including gains from XXXX. Therefore, if I am not able to use my XXXX citizenship to open an account, then I would not get a XXXX and this would help me avoid disclosing any income I make from XXXX trading since the system will not show that I am a XXXX citizen, instead I could get away with showing my geographic location- which is what CoinBase wants me to do, in order to allow me to commence trading. Using the geographic location is not what CoinBase should encourage, as this leaves the door for so many people to avoid paying taxes on XXXX currency when filing the XXXX tax return. 

Furthermore, the communication I receive from CoinBase is limited to emails only. There is no name attached to the email and I have asked for a phone number or a name of a person to speak with. It appears CoinBase is using a call center in XXXX to communicate and have access to XXXX citizen 's confidential and private information. Given all of this, I think the FTC needs to look into this urgently. 

CoinBase is a decentralized company, with no headquarters and so I am not able to give their contact information below. However, the company trades a XXXX XXXX at the XXXX XXXX XXXX. 

I have attached part of the correspondence I have received from Coinbase which does not have a name of a person, or a phone number to reach- but asks for me to share my XXXX tax return as proof of my XXXX citizenship and proof of address. 

Thank you.
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OH)

Over the course of XXXX days, I made multiple calls, spoke to multiple representatives, including a servicer to get an answer about XXXX payment calcluations. I was unable to get an answer. 

According to XXXX starting XX/XX/XXXX, XXXX  payments will be adjusted for borrowers with XXXX debt. Those with only XXXX loans will pay 5 % discretionary income each month and those with only graduate will pay 10 %. For those of us with a mix, it is a weighted average. 

I have a consolidated loan with a mixture of XXXX and XXXX debt. I want to know how they are going to determine the XXXX balance and XXXX balance. On the XXXX report from XXXX there are a few lines that might potentially contain an answer but Mohela has not provided any answer to my quesitons.
Consumer complaint received 2019-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I only applied for 1 credit card from XXXX XXXX XXXX on XX/XX/XXXX, and there should be only one hard inquiry but I find two. Please remove one of them.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One closed my account on XX/XX/year> per a " business decision ''. I had over XXXX points accrued from putting spend on my cards during my time with them. 

They went ahead, without notice, and redeemed them for half a cent per point statement credit, which is significantly below fair value. They did not give me an opportunity to transfer the points out to a partner or to at the very least redeem for XXXX cent per point against travel related charges. 

This is unethical and dishonest practice. Capital One can decide to close an account on a whim ( which I guess per Cardmember Agreement this exploitive practice is allowed ) but then they can also not give you chance to redeem any of your points earned for putting spend on their credit cards as advertised. Bait and switch SCAM.