davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Upgrade, Inc. (CA)

I am writing to file a complaint against Upgrade Inc. with CFPB due to sudden suspension of my Premier Savings Account on XXXX XXXX XXXX. Since then, I am calling Upgrade almost every day & also emailing them to activate the account, every time same stereotype reply : We are currently reviewing the account. There is no update available at this time. The lack of explanation or resolution has caused significant inconvenience & distress. 

When we tried to transfer our funds outside the account, they suspended our account and have not provided us any reason why. We have also asked them to close our account and transfer our funds to our external account and they are also not closing our account either. 

We have seen many complaints from other people with the same issue that when they try to transfer their money outside their account, their accounts also get suspended and they keep waiting for months with no reply.

Upgrade is illegally holding our money without our consent and we want strict action and investigation taken against them as they are dealing with fraudulent practices. 

I am senior XXXX having XXXX XXXX & need money for day-to-day activities. I request immediate account Unsuspension & compensation for inconvenience and stress. I want my account closed and all my money transferred to my external account ASAP. I request the CFPB to please facilitate swift resolution to this matter. I request your assistance in resolving the matter promptly.
Consumer complaint received 2021-01-12
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-01-26
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. (VA)

I sent a letter on XX/XX/2023 ( USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX ). The company only removed one of the inaccuracies ( XXXX Account number : XXXX ) and has yet to provide verifiable proof of the investigated accounts which is required by FCRA law. The company is illegally reporting inaccurate information ( XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX ) on my credit report. Today makes 32 days since I requested the information in which they have yet to provide. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Under the FCRA, unverifiable accounts must be removed if you are unable to provide me with a copy of verifiable proof. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. None of the information was provided within the time frame. The reporting practices that they are observing is illegal.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (MD)

On XX/XX/2023, I requested documents from GM FINANCIAL and I have not received a response to the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.
Consumer complaint received 2021-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

Cross Country Mortgage bought a required flood insurance policy when I purchased the property in XXXX. That policy was $ 3300 yearly. On XX/XX/XXXX I found a flood insurance policy through XXXX for {$540.00} annually. I sent the documents to the mortgage company via email to both their customer service address and to the loan department on the XXXX of XXXX as well. I sent them again on XX/XX/XXXX. I followed up with several phone calls and each time was told it was taken care of and would be reflected when the escrow was reevaluated. The {$3300.00} policy was canceled, the escrow was adjusted and an {$1800.00} escrow refund was issued. In XXXX, I was informed that the Progressive policy was never paid and they repurchased the {$3300.00} policy. I made numerous phone calls, was never able to speak to the same person twice and was told each time that they could see where the policy wasn't paid and they would look into it. I tried to get the Progressive policy reintroduced but now they say I need a new elevation certificate which is expensive in and of itself, and that the lines for the flood zones have been rewritten so I can no longer get that policy. The result is a $ XXXX increase in my mortgage payment and I fear that if my health declines and I can't work, that my VA disability won't be enough for the payment and I will lose my home. Every time I have spoken to the mortgage company they have stated that they see they made a mistake and would look into correcting out but nothing has been done. As a result, I have been paying for this oversight for many months and I can not afford it.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo claims Im a security risk. They stated that there are too many disputes. My disputes on charges are all legitimate. Wells Fargo should not have forced closed my account. My account is scheduled to close on XX/XX/XXXX. Until then my account is frozen. I have {$2300.00} of pending credits ; they said the credits will sit for two days before they get sent back. I am unsure when the credits will come in and they said to call everyday to ask a Wells Fargo rep to check. This is outrageous! The bank is acting outside the norm.
Consumer complaint received 2018-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Previously unresolved issue by CFPB, where agent ordered Paypal to pay {$2400.00} funds to this buyer, but Paypal had never paid claiming other person made the purchases a DELIBERATLY FALSE, DECEIVING STATEMENT. The same person made the purchases, and the funds to be deposited to THE SAME PERSON 'S ALREADY KNOWN SAME ACCOUNT!!
Consumer complaint received 2024-03-25
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. (NC)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00}
Consumer complaint received 2023-05-27
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. (SC)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2015-09-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NJ)

When i had XXXX in XXXX of 2013 i was told that the Care Credit loan was interest free for the life of the loan NOT that it was for a promotional period. the loan changed over without warning and they tacked the interest on the back end of the loan. I want to pay what the balance would have been at the point of turnover. but i will NOT pay the interest. I feel this was a " bait and switch '' deal on the part of Care Credit.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete this immediately : XXXX  XXXX
Consumer complaint received 2024-03-25
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. (CA)

I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested my credit report.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (WA)

On the morning of XX/XX/XXXX my account was hacked and within 5 minutes I had not even a dollar left. There were numerous transactions mainly from myntra and radiant both companies in XXXX in which I never even heard of. While I was on the phone with the customer service rep for moneylion I was receiving several notifications for declined transactions from the same businesses who fraudulently took money from my account. I had to wait until XX/XX/XXXX for the fraudulent transactions to post. So I filed my dispute. I got a response Tuesday XX/XX/XXXX stating that the investigation is completed and that no error occurred. They sided with the hackers. I am XXXX and homeless receiving XXXX once a month. Why would I spend all of my money on businesses in another country and I have never even heard of? I use my XXXX to pay for a motel room and now I have no money until next month when I receive my XXXX. I didn't receive a provisional credit or anything.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I used my At Home Synchrony Bank MasterCard to purchase 3 tickets to an event being held at XXXX XXXX XXXX XXXX XXXX in XXXX. The event was to be held on XX/XX/XXXX. The person that I bought the tickets to see was XXXX XXXX. The event was held by XXXX XXXX but tickets were generated by XXXX. That was the company that was being used to issue the tickets. On XX/XX/XXXX, I received an email saying that the XXXX XXXXhat was supposed to be in the event could not make it but that they got another XXXX  to do the event and his name was XXXX XXXX. It states in the email that if I no longer wanted to attend I should reply to the email, which I did on the XXXX of XXXX. I then had communication back and forth with the organizer of the event and she told me that she would be refunding me that night or the following morning. She said that the XXXX  fee would not be refunded which was {$6.00} per ticket. I agreed to that so I was expecting a refund for {$190.00} minus the XXXX  fee which would have been {$18.00}. So my refund to me my credit card should have been {$170.00}. When I received my credit card statement the following month the charge was never refunded so I called my credit card company. I also tried many times to email XXXX XXXX again with no response. My credit card company is saying that they paid XXXX and that XXXX is saying they can't refund me. On my statement where the transaction appears it says XXXX spirit messages. I am not asking for XXXX fee as I know that was not refundable I am asking for the amount of the tickets. I have asked my credit card to ask XXXX for another way to get in contact with the XXXX XXXXXXXX organizer but they said they can't get any information. I have also tried to contact XXXX myself but they do not have phone customer service only online but it says that they are not responsible and I have to contact the organizer. So I am back at square one. I have been disputing this transaction with the credit card since XXXX of XXXX. I don't know what to do anymore. I have looked at XXXX 's website and there are still events being hosted by the organizer that I have the issue with so obviously they still have contact with that organizer but they won't give me or the credit card any information. Attached you will find all my emails and the faxes to my credit card number and the flyer to the event I originally bought the tickets for. 

Thank You, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

I paid the total balance on my card and the payment posted XX/XX/XXXX, but still got an interest charge of {$51.00} XX/XX/XXXX after I paid the balance in full.
Consumer complaint received 2023-07-07
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

I am seeking resolution for several unauthorized transactions on my credit card, which I are fraudulent. The transactions in question are as follows : XX/XX/XXXX : XXXX XXXX - {$430.00} XX/XX/XXXX : XXXX XXXX - {$390.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX XXXX {$320.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX - {$320.00} Upon receiving an SMS/TXT alert from Wells Fargo regarding unusual activity, I immediately responded confirming the fraudulent nature of these transactions and requested immediate cancellation of my card and issuance of a new one. While the card re-issuance was provided, my initial claim was denied with the rationale that the card was in my possession, implying the transactions were made by me. This is incorrect, as I did not authorize or conduct these transactions. 

I escalated the issue, and was assured of a response within XXXX hours, which did not occur. Upon follow-up, I was informed of an additional XXXX business day waiting period for the resolution of my escalation and the re-opening of my claim. This delay and lack of communication have caused significant concern and inconvenience and cost. 

I urge a thorough investigation into these transactions and request a timely and fair resolution to this matter.
Consumer complaint received 2021-03-17
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. (MD)

Inaccurate information being reported on my credit report which Transunion refuses to investigate and delete due to it being inaccurate also has the incorrect spelling of my name which is XXXX they have it being spelt as XXXX
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-30
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. (FL)

I discovered that I was a victim of identity theft due to my phone being stolen, the thief hacked into all of my bank accounts, made payments and pretended to be me. All of my bank accounts and savings were wiped resulting in negative information on my credit reports, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this for almost two years now, I have not been able to work full-time due to XXXX XXXX XXXX XXXXXXXX and XXXX XXXX due to this burden and I have struggled to get housing due to this issue on my credit reports and housing being full. I want this issue resolved ASAP and to have a normal life again.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

The last 3 statements citibank has not honored payments made to my credit card companies causing several cards to close at the companies request and further damaging my credit worthiness. My score has continued to be lowered and now at its lowest point and very poor. Even more recently XXXX ink sent me a refund if {$88.00} but this was not honored by Citibank and was debited again from my account. My account remains overdrawn making my duties to pay back all my creditors impossible. Also whatever funds put into the account are taken away immediately as my checking account always remains overdrawn. Please help me get back the reimbursements due and more because of their negligence.