davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (FL)

On XX/XX/2018, i entered a consumer credit transaction with upgrade. The total amount of the transaction was for {$10000.00}. On XX/XX/2018, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Upgrade is also in violation of the truth in lending act 15 usc ch.41 1601. As per the contract between myself and Upgrade, it states that the finance charge was {$2800.00}. Upgrade failed to process this transaction appropriately and is in violation of 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$5700.00} ). Pursuant to 15 usc 1605 ( a ) the finance charge is the sum of all charges. An {$9500.00} was calculated in the contract and should not have been. The only payment that should have been calculated in the contract was the finance charge.Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AZ)

I applied for a mortgage loan and was surprised to see a collection from XXXX XXXX for my internet service which dropped my FICO scores significantly. I cancelled my internet service in my XXXX, AZ home with XXXX in XXXX and paid the due on XXXX XXXX with the understanding that all my account balances are paid off. So I stopped my payments. But there was a bill posted on my XXXX account in XXXX which I was not aware of as I stopped checking my XXXX account. And there was no communication from XXXX ( they usually call if a payment is due ) about this. Also based on the bill, the payment was due by XXXX XXXX and they reported it to credit on XX/XX/2020 which is even less than 30 days. Due to this I have not & did not obtain the full statutory period in which to take care of this debt in question as I did not receive any initial notification regarding the debt. In my opinion, this might be the case as I cancelled their service. 
This collection has been addressed with the original creditor XXXX XXXX, not RadiusGlobal, as a gap in communication once I was aware of this in XXXX. But they declined to remove it from my credit report. I would like to request this collection be removed from my credit due to erroneous collection practices.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disputes were submitted to TRANSUNION on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named XXXX XXXX. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from TRANSUNION for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly TRANSUNION did not even make any mention of the Dispute Item regarding the fact that the account with XXXX was Settled for {$480.00}. It appears that XXXX and TRANSUNION completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that TRANSUNION will remove XXXX XXXX item from my credit report. XXXX  and XXXX  removed XXXX collections from those credit reports several months ago.
Consumer complaint received 2021-08-26
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. (FL)

I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit report.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

On XX/XX/XXXX, Fair Credit Outsourcing ( FCO ) sent me a letter stating that my account had been referred to their agency for collection. On XX/XX/XXXX, I sent a letter to FCO disputing the debt as inaccurate and unverifiable. FCO responded by letter dated XX/XX/XXXX with a statement from XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX creditor ) stating that I owed balance at move out {$1100.00}, ( less a {$200.00} deposit ) for fees owed through XX/XX/XXXX. The final account statement under balance due states " see itemized listing of work '', XXXX there is no list attached XXXX and no signature for manager. 

On XX/XX/XXXX, FCO sent me another letter stating that your account as already or is scheduled to be referred to the 3 credit bureaus as derogatory information. I have attached a copy of a cashier 's check dated XX/XX/XXXX paid to XXXX XXXX in the amount of {$1700.00}, for the final payment owed on this account. I am requesting that the CFPB investigate this complaint and delete the inaccurate and false information from my credit file immediately.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (FL)

Went to Hospital XX/XX/XXXX because of an accident which was not my fault and is still in litigations later receive a bill which was paid by my my insurance with a balance left of {$150.00}. In XX/XX/XXXX I receive another bill for {$2100.00} from Penn Credit my Lawyer sent all supporting document to the company to have removed they later sent to credit bureaus. The company continues to update the collection with the credit bureau we have disputed it 4 times and sent in supporting documents showing that I only owe the hospital {$1000.00} which was still in litigation because of a Lawsuit. XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX have been updated experian, XXXX  have removed from my credit but XXXX ask me to speak with the collection company which I have Twice and the consistently update the account as me owing {$2100.00} also they told me that the hospital share my information with them violating florida HIPAA LAW.
Consumer complaint received 2021-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (OH)

On XX/XX/XXXX an employee from One Main Financial called my employer in regards to a past due balance on my account. This person requested to speak with me. Upon being advised that I was not available this person told my coworker that the call was in regards to a garnishment. I am currently not being garnished by this institution. My last payment was submitted in XX/XX/XXXX which ; does make my account even half way close to filing a garnishment. Last and definitely not least ; it is ILLEGAL to disclose any information to anyone other than the debtor. I have always paid on time until just recently due to the pandemic. I intended on calling them to discuss payment, however Im currently trying to dig myself out of a hole maintaining the bare necessities of my household. I do not deny that I owe the money. My issue is their blatant disrespect of my privacy. This kind of treatment is unlawful and should not be taken lightly.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (NC)

XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, XXXX, EQUIFAX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 2021-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I am a New York resident and on XX/XX/21 I purchased {$70000.00} worth of XXXX coins, totaling XXXX coins. When I tried to sell the coins on XX/XX/21, I noticed that I was restricted to view only and the buy/ sell option had disappeared. It said that trading wasnt available in my region. After doing some research, I saw that XXXX isn't available to be traded in New York. Again, less than 24hours I had the ability to purchase the coins, and now I had that ability taken away from me. I even tried to withdraw/ transfer the XXXX funds to another exchange or wallet but each time, I was given an error message - try again later. Right away I emailed support and alerted them to the issues and since Ive only received generic/automated replies stating the companys FAQS. I have also filed a complaint and have received no resolution. It has now been 10 days and I can do nothing but watch the funds deplete. They refuse to refund the transaction. This clearly seems to have been an error on their part. It doesnt make sense that I was given the ability to purchase and now I am unable to manage those funds in anyway. I have since withdrawn all other available funds from Coinbase and will close the account once this issue is resolved.
Consumer complaint received 2021-08-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX of 2019 I opened an account with Capital One, I was on time with my payments up until we had a national emergency with XXXX. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and capital one under The HEROES Act where it states that no negative remarks should be reported during The XXXX pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (CA)

CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted AND removed account to my credit bureau AGAIN. Account # XXXX. Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX-XXXX  This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion credit reporting agency has Payment deferred in the coments of my credit report for my XXXX  mortgage. I have provided a letter from XXXX bank so that the remark can be removed. I am current and no enrolled in any deferment program
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I filed a claim involving months XX/XX/XXXX-XX/XX/XXXX mid XXXX XXXX with Wells Fargo due to my checking 's account XXXX and in the middle of a disputes on various transactions. Wells Fargo closes my account. I have not been credited for those transactions I don't know if they closed my account in their interest so they don't have to deal with it, but they were not suppose to have closed my checking 's account. Total amounts of those transactions/claims are/is {$820.00}, current amount I owe them, which I shouldn't owe them nothing, I filed a claim for the total of my stimulus check for XX/XX/2021 total {$1400.00}, two of XXXX XXXX transactions one {$94.00}, {$89.00}, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX . I mailed that information to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX claims, Wells Fargo Executive Office XXXX XXXX XXXX XXXX XXXX SD XXXX and Wells Fargo Overdraft Collection and Recovery XXXX XXXX XXXX XXXX OR XXXX,
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I cancelled my XXXX XXXX ( now owned by XXXX XXXX XXXX ) subscription in 2017 and they continue to add new collections. 

First, it was a collection of {$470.00} from original creditor - XXXX. An original letter stated that I did not return the equipment - which is untrue. All equipment was returned as suggested by their company - through XXXX air. 

Secondly, another collection account for {$280.00} from original creditor - XXXX.. I do not know what this charge is for. 

Thirdly, another collection from XXXX XXXX XXXX for {$110.00}! What is this charge for? 

Why are companies allowed to add whatever they want to our credit reports at will? This is clearly defrauding the public!
Consumer complaint received 2021-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX XXXX deposit a PPP loan into my account from CapPlusFin. I went to Capital One to withdraw some money and they frozen my account. I gave them my EIN number and paperwork where I file my company on my taxes and that it is a Legitimate company. My account is still frozen and it just sitting into my account and cant be touch. Ive all capital one every day and they say Im under investigation. I submitted paperwork again. XXXX second since investigator stated to close the account and send money back. Money is still just sitting there. Talk to SBA and they stated its not them they got what they needed from me is capital one doing what they want to do. Still to this day money is just Sitting into the account and all Im getting is they dont have a time frame of when money gon na get sent back. I shouldnt have to go thru this anyway if I produce my information for my business.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.
Consumer complaint received 2021-07-29
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. (MA)

Pursuant to complaint XXXX-XXXX, XXXX XXXX XXXX is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating XXXX XXXX XXXX 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.
Consumer complaint received 2021-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Designed Receivable Solutions, Inc. (CA)

CA Civil code 1785.25 ( c ) mandates the furnisher 's of credit information to add " CONSUMER DISPUTES '' to the furnished information to the credit bureaus. DRS ( Designed Receivable Solution ), even though has been sued under Civil Code 1785.25 ( a ) for furnishing INACCURATE & INCOMPLETE information to the credit bureaus still refuses to comply with the code and add " CONSUMER DISPUTES ''! Additionally, reports a medical bill as LOAN. This way drastically has MISREPRSENTED the case and as a loan claiming interest in on a disputed account. XXXX is the number DRS is registered with the Secretary of State. 
Said conduct of DRS does meet requisite elements of violation of Business and Professions code 17200 as well.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I applied for a forbearance agreement with my mortgage company on XX/XX/XXXX. Because of a loss of income due to Covid 19. I was told to wait for the papers and email I requested. They said it would take 10 days. 
I called back at least 2 times after that and was told by the agents that the agreement could be seen in my information. I called again on the XXXX the agent again stated he saw the agreement, and that he would resubmit the request for the hard copy and email to been sent. I called this morning hoping that I could at least get the email sent. 
I was told that my forbearance had been closed on the XXXX of XXXX.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ID)

The stated date of first delinquency has been reaged. However, given the currently stated date of first delinquency this account is still well over five years old. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. ''
Consumer complaint received 2021-07-29
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)

Tired of having to keep disputing inaccurate information after 40 days. A computer generated system response is not acceptable I have contacted creditors & bureaus trying to solve this issue. & Im not waiting no longer you keep letting these people go against the law. I see the problem is not going to be solve until I get a lawyer. 

XXXX  XXXX XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-26
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: TD BANK US HOLDING COMPANY (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.