davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (KY)

First I would like to say with all honesty why wouldnt I have called sooner if I new it was fraud I would have called the next day to report. I wouldnt have waited 2 an half years an then report because I didnt now until we were trying to buy a house threw your bank an thats is when we found out we were being defraud for the last two years an now you send me a letter saying I am responsible for it. How can I be responsible for sum thing I had no idea was going on until XXXXwe called the government to see if are money was in fact going toward are student loans an they were not an that is when we called immediately to stop payment an report fraud. An now you wan na say it is are fault that we just have to eat it when you bank with a bank for years you would think they would insurance your money for fraud.I even sent you a letter with all the forms you keep having me fill out for nothing because you send one back saying it is my fault for not reporting sooner if I had known it was fraud I would have reported it a lot sooner then XXXX XXXX years later I am out XXXX for the first payment an XXXX a month up until XXXX of this year which you all did get back three months but you arent investigating that good because if you was you would see that cornerstone is fraud an they have stolen millions from millions of people thinking they were paying there student loans but in fact it was fraud all along an we didnt not now until we tried to buy a house an that even messed that up too an now you wont help me get my money back at all. US Bank wont help us get are money back from fraud that we had no idea about if they would investigate it thoroughly to see it is fraud an human error for trying to pay for are debt if I had knowing we would have report it a lot sooner we didnt not now!!!
Consumer complaint received 2022-12-21
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. (NY)

Today i received an email from experian in regards to my dispute for re-investigation sent off on XX/XX/2022 requesting for account removal and proof of verification due to this account not being mine. Experian is violating my rights to providing accurate reporting and not providing proof of this account being mine nor have they provided anything. Credit reporting laws make sure that the bureaus are reporting only 100 % accurate credit information found in FCRA 611 ( a ) ( 6 ) and ( 7 ) as well as 15 U.S.C. Sec.1681i ( a ) stating if proof is not provided the account disputed must be deleted. Experian has not done so nothing was provided that i requested ( no documents, my signature, ID, an agreement and ect ) or evidence at all. as seen in the attachment. there wasn't nothing done at all about this matter.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-21
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: FC HoldCo LLC (LA)

On XX/XX/XXXX, I received an email from XXXX XXXX telling me that a new hard inquiry showed up on my credit report and that it lowered my score. I was very shocked at this because I had not done any recent activity that wasnt already reflected on my credit report, and so I went to investigate. I received a hard inquiry on XX/XX/XXXX by a loan company called Flagship Credit Acceptance, a company I had never heard of or used before. I was looking into personal loans a couple days prior to this, but I NEVER submitted a formal application to any company, much less a company Ive never heard of before. 

I emailed Flagship Credit Acceptance on XX/XX/XXXX and asked them to dispute this unsolicited hard inquiry with the XXXX XXXX credit bureau so that my credit score could return to what it was before they wrongfully affected it. I was quite upset at this and so I also decided to call Flagship Credit AcceptancXXXX on XX/XX/XXXX to try to resolve the issue sooner. Flagship Credit Acceptances phone line requires you to have an account made with them in order to speak to a customer service representative. Now, as I said before, I have never been associated with or used this company so of course I do not have an account with them, and so I was unable to speak to anyone to get this problem fixed. 

Flagship Credit Acceptance finally emailed me back on XX/XX/XXXX, but apparently they are not allowed to discuss certain information through email and they said that I had to call them. Verbatim the email said : Thank you for your recent email. Flagship Credit Acceptance does not have a secured email. For the protection of our customers and Flagship we are unable to email information. Please contact customer service at ( XXXX ) XXXX. 

This is the exact number I had called the day before, so obviously this company is putting me through a loop that is preventing me from reaching them.
Consumer complaint received 2023-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MA)

Spring Oaks Capital LLC sent me a bunch of pages, there are like 10 copies of account statements, a bill of sale and some other things but they never provided me with the original creditors signed contract. I need this company to either give me the original contract with my signature on it or for them to stop harassing me about this debt, as a human being I have the right to dispute this debt and this account contains so much information that I am not or have I ever been affiliated with. The phone number that is on one of the pages that they sent me is not mine or have I ever had any of this phone number, the address on the account statements and on the other pages isnt mine either, I have never lived at that address that they have on their files, please help me resolve this issue because I have disputed this debt before and spring oaks Capital LLC claims that this debt is mine. My last option will be to take them to court so that the court can ask them to provide me the original signed contract. I also noticed that this debt collection company has sold this debt so many times. Till this day, I have not received the signed original contract for this account. This debt collection company never send me anything telling me that they are allowed to collect this debt on my state.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Consumer complaint received 2022-12-07
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: REGIONS FINANCIAL CORPORATION (MN)

I had contacted my banker for a business related inquiry. She then asked me about the mortgage I had opened in XXXX from Regions Bank. I did not open this and have been working on getting this reported and taken care of since.
Consumer complaint received 2024-03-06
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. (KY)

After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as Im XXXXpct Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.
Consumer complaint received 2023-04-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

The company is Specialized loan servicing, we never receive any statements from this company their was one initial payment book no monthly statements. The balance on this account is {$31000.00} with a payment of {$18.00} dollars a month. I only found this out through XXXX XXXX. My son was paying on this account and they all of a sudden refused payment on the account. He didn't know the balance on the account and assumed it was paid for without receiving a statement. We didn't know how to contact them. 18 months later we received a notice that the loan was in default, no way to catch it up paying penalties or any options. The only contact now is through a law office forcing us to do a XXXX  XXXX to try and save our house. Their is a primary mortgage on the house of {$110000.00} that has never missed a payment.If we would of received notice on this loan at any point we would of caught it up.They reported 18 months late on my credit report that i wasn't i aware of. I am XXXX XXXX XXXX and know that is no excuse but I was just wondering if their is anything that can be done. We contacted the lawyers handling the foreclosure and were told that they would send a restart on the loan in 3 to 5 days, when we call back we were told the lady misspoke and it would be 7 to 10 days. We feel at this point they are stalling to foreclose are our house. So we are scheduled to go to the lawyers office on XXXX to pay to file XXXX  XXXX in hopes of saving our house.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (VA)

Upgrade, Inc is a neobank that claims to offer a non-traditional credit product that is a hybrid of credit cards and a line of credit. However, the features and methods that the company uses to calculate the account balance are convoluted and complex to the point that even the company 's senior management struggles to explain properly.

I'm a former bank examiner who worked at CFPB and FDIC, and currently a bank consultant perhaps I could be biased, but based on my experience with Upgrade , Inc. 's employees and the review of information available, I have reasons to believe that the company is in significant violations of TILA, FDCPA, UDAAP, and FCRA to name a few.

My main concern is the way the company calculates the " balance due. '' For a consumer credit product, it shouldn't take a rocket scientist to figure out whether an account 's current balance due should increase or decrease at the end of the statement cycle ; essentially, if the account holder paid-off whichever amount he spent within the same billing cycle without carrying over any balance from the previous statement cycle, the current balance should not be greater than XXXX, This is NOT the case with Upgrade , Inc . 

Despite walking through several employees, including senior management at Upgrade on some basic arithmetic- if the total credit amount is higher than the total debit amount for the same period, the account balance should not increase ( no carryover ) - they struggle to understand. It was not surprising to see how much they struggled to justify the irregularities in the calculation of the balance due for each statement cycle, despite my total credit amount continuously outpacing the corresponding total debit amount. It is as if Upgrade , Inc. does not count the credit payments but applies ALL debit amounts towards the balance due, which is the only explanation as to why the balance at the end of each billing cycle increases even when I pay off the entire amount, and then some, prior to the end of each month. 

Upgrade not only reports this erroneous balance to the credit bureaus but applies to interest payments and forces me to pay what was already paid. The sad thing is that the company is too illiterate to realize or consistently apply whatever " novel '' way it thinks it found to calculate the balance of this neobank product. 

This company needs to be supervised closely. If they don't fully understand the product it is peddling, then it should not be allowed to operate, let alone advertise, itself or it's faulty products.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (MI)

I have XXXX fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (MI)

I sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$800.00} XXXX XXXX XXXX  XXXX Balance : {$290.00} Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX that are UNKNOWN to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-02-03
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. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi my name is XXXX XXXX I have a loan with NationStar # XXXX property XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been trying to avoid foreclosure by requesting a loan modification form my lender, i believe i am a victim of predatory lending and my lender is engaging in violations of the Home Owners Bill Of Rights such as dual tracking. they have refused to work with us to obtain an affordable mortgage payments.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I have been trying to get the Experian account shut down since XXXX of last year. I was guaranteed that the email address on file and phone number was removed. Both of them being my XXXX XXXX email, because he is the one using my social. I have called already XXXX times this morning with no success of changing any information. I was tossed around to several different employees and eventually hung up on after verifying my stolen identity information. I am not able to verify anything they have on file since my XXXX  is the XXXX most likely to have changed everything. I have concerns about providing an updated address, because he is my XXXX  and I don't want him knowing where I live. I expressed this multiple times to anyone that would listen with a response of " let me send you to someone else '' only to get hung up on! How the XXXX does it make any sense to provide updated information that my XXXX  with have access to either way?! What the XXXX are the bureau 's doing to protect XXXX XXXX XXXX so that there XXXX  doesn't find them by providing an address? Nothing has been resolved with Experian. 

I had a credit report ran on me middle of XXXX by a hospital I visited which also put me on the radar for him knowing where I am! 

XXXX are you guys doing to protect XXXX?!?!?!
Consumer complaint received 2023-03-31
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. (CA)

I have a perfect rating and payment history and this bank decreased my credit limit with no reason nor written explanation and left no recourse to fix it. I called in and was treated like a person who abuses credit and was not even given any explanation. The explanation was not posted online nor was I advised by the support person. 

I deserved an explanation of why a decrease in credit limit was unwarranted. I have perfect on-time payments and the decrease caused my remaining balance to show as a XXXX which caused a hit across all the reporting agencies. 

Every consumer deserves the support they ask for and fair treatment. This kind of wrongful untrue manipulation of data causes damage as it has done in my case, If others have the same type of complaint and there is a class action suit, please add me to it as this bank deserves to be taken to court for that type of abuse!! Please publish this complaint so that others may see what XXXX XXXX does to their unsuspecting loyal customers!!
Consumer complaint received 2023-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Its been more than 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2024-03-06
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Consumer complaint received 2022-12-21
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 asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions