davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit card or prepaid 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: Upgrade, Inc. (IL)

I disputed a charge on XX/XX/XXXX with Upgrade because I received a defective product and the merchant was not allowing me to return the product nor would they allow a refund. Upgrade opened the dispute but closed my dispute prematurely twice without considering my evidence. Each time they sided with the merchant. First, they closed it because I hadn't returned the product. I showed them proof from the merchants own website that returns are not allowed. Eventually, I received permission from XXXX on XX/XX/XXXX who is an Upgrade escalation dispute rep who told me to send the defective product back to the merchant. I returned it on XX/XX/XXXX and I have a XXXX XXXX  and proof that it was received by the merchant. The 2nd time Upgrade closed my dispute was because the merchant allegedly told them it was a valid charge and they attempted to fix the issue but it was not followed. I followed their instructions and they were not able to fix the problem ; but Upgrade still sided with them. I was not treated fairly by Upgrade. When I would call them, the reps would keep me on hold for very long periods of time. One rep named XXXX hung up on me. XXXX and XXXX who works in escalations promised to call me back with resolution but never returned my calls. Upgrade told me the merchant stated they will resolve on their end and to call the merchant. I spoke to XXXX, the merchant on XX/XX/XXXX who stated her company sided in my favor and that my refund was sent back to Upgrade. She even sent me an email stating this. I sent a copy of the email to Upgrade and was told that even though the merchant mentioned that Upgrade should refund me and that they no longer have my funds, Upgrade told me that what was sent was a copy of the chargeback and not the refund. They said I need to go back to the merchant for resolution. I called the merchant today and spoke with XXXX. After XXXX read the email that XXXX sent me which was noted on their files, XXXX rudely and abruptly hung up on me. My money is in limbo. At this point, I don't know who to believe. Had Upgrade handled my dispute properly, I would have had my refund months ago. I feel they are keeping the charge on my account so that can draw interest from it. I want my refund.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

plz remove the following inquiries as they are not mines 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 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  please delete as I did not give my written consent or to run my consumer credit and this is a direct violation of my consumer right 15 USC 16818
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio Recover keeps on calling me everyday after I tried to settle the account and could not reach an amount number. 
I have asked several time to stop calling me, they have also tried calling me at work and haraism coworkers. 
i am afraid that I will loose my job as a result of their harassment call 's XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (AZ)

It all started back in XXXX of XXXX, I had to relocate to another location for business. I used XXXX XXXX however I think they registered it as a different name, XXXX XXXX. My name is XXXX XXXX. On XX/XX/XXXX at XXXX XXXX  ( Arizona Time ) I received a call from XXXX, which rang once than hung up. I called back the number which the lady that answered represented herself as Convergent Collections asking for XXXX XXXX and that she couldn't explain herself until I advised that I was XXXX XXXX. XXXX XXXX is the alternative name I use for my wife 's account with XXXX since I prefer that name, not my legal name. She wanted me to verify the address which I provided my current address but she said it was wrong. Then proceeded to give me hints as far as the name and spelling of the address. After that was confirmed she mentioned that the bill was from XXXX XXXX and was for a total of {$21.00}??. (? is in place because I do not remember the change amount. ) I advised that XXXX XXXX does not exist and is not a valid person and asked for more information on the debt, as far as date of birth or social used. While looking for this information, she specifically stated the following : " It is only {$21.00}, I would hate for this to be used against you. '' At this time I again stated that I dispute the vidaility of the debt and told her that the company has a time limit on when they need to respond. She advised that the company is quick and I will have an answer in the mail. 

The fact that she did not verify date of birth to confirm who she was speaking to is in fact the debtor and threating that this will be used against me if I do not pay is outrageous. I can only imagine how many times people give in and play along because they do not understand that debt collectors are limited on what they can do and say. I bet there are hundreds if not thousands of people being treated the same way.
Consumer complaint received 2023-01-07
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. (FL)

The XXXX XXXX XXXX XXXX is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the XXXX XXXX XXXX XXXX has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The XXXX XXXX XXXX XXXX  is also reporting and still saying I owe them this money. Block and remove all accounts from the XXXX XXXX XXXX XXXX which are reporting on my consumer report. XXXX XXXX XXXX XXXX XXXX Acct Ending in # XXXX XXXX XXXX XXXX XXXX  - Accts Ending in # XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled. 

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud. 

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

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. 

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) 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 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.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
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. (SC)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over XXXX  days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have XXXX  days to respond to my dispute. 

This a violation of my rights.
Consumer complaint received 2023-10-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NV)

On the XXXX of XX/XX/XXXX, I XXXX XXXX XXXX noticed a WELLS FARGO ACCOUNT # XXXX, OPENED ON XX/XX/XXXX FOR {$32000.00} which is Extremely ridiculous because at the time of the date stated the account was opened, I didn't own a vehicle and still to present day I am still without a vehicle. 

I mentioned to XXXX Wells Fargo XXXX that I'm a victim of identity theft and the Wells Fargo XXXX threaten me with calling the police on me if I didn't pay the debt owed. 

I have active XXXX POLICE REPORT ON FILE ALONG WITH FTC IDENTITY THEFT REPORT AND AFFIDAVIT that I've provided and still no help.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX - XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) I did not authorize these inquiries
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

This is additional documentation for my appeal to PNC bank disputing charges posted to my checking account on XX/XX/XXXX, in the amount of {$270.00} and {$500.00}. I was in the barber shop in NC, when a string of thank you for your subscription messages with amounts started comping across my cell phone. I am a student at NC XXXX and XXXX My physical whereabouts can be confirmed at all times, to prove I was in NC and then in MD for the winter break. I was warned not to open messages like that, so I phoned my mother, and she instantly called the bank and had them cancel my bank card ( XXXX XXXX XXXX XXXX ). Immediately as this was happening and while the charges were still pending, my mom asked the bank not to pay then, but the bank paid them. I still have copies of some of the messages on my phone, which I am attaching this complaint ( being filed with the XXXX XXXX XXXX XXXX ). When I returned home to MD, my mom and I went to PNC and told them of the events, and I received a new bank card. I was told by the bank representative that PNC should have contacted me to verify my identify and ask if this was me, making these transactions, when the string of highly unusual activity was taking place. Nevertheless, I assumed that after the dispute was filed on XX/XX/XXXX, the event was behind me. 

On XX/XX/XXXX, I received a letter in the mail from PNC, stating that I was responsible for the transactions. The 2 transactions that actually posted and were paid by PNC were for {$270.00} and {$500.00}. Both were online purchases to Target, and picked up at a Target in CA ( while I was still in NC ). I had my bank card with me the entire time this was going on. I did not make any online purchase for these items, nor did I authorize or pick up these items. No one else is authorized to pick up anything on my XXXX account but myself. XXXX requires that if someone else picks up items on your account, they be named on your online account. No one else is listed on my account. Additionally, ID must be presented when picking up items. I did not pick up any items in CA and I have never been to CA. I do not know how PNC is holding me responsible for these transactions when clearly my bank card was hacked. The string of transactions going across my cell phone did not stop until the card was shut down. 

I filed a police report with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX on XXXX XXXXXX/XX/XXXX, after the unfavorable determination was issued. The Police Report # is XXXX. I filed a complaint with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am including this as written documentation to PNC.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MS)

I sent a letter to XXXX XXXX XXXX XXXX on XXXX XXXX opting out my information being shared with any person, entity, or institution and to be effective immediately and Indefinitely!!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent a letter to XXXX XXXX XXXX XXXX on XXXX XXXX opting out my information being shared with any person, entity, or institution and to be effective immediately and Indefinitely!!
Consumer complaint received 2023-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

I called my mortgage company Lakeview, which is sub-serviced by XXXX XXXX in XXXX to see what options were available to me to avoid being delinquent on my mortgage due to being impacted by covid. I lost my XXXX, XXXX, XXXX XXXX, XXXX  and XXXX  all in less than one year due to XXXX 

I was originally told that I was approved to receive special covid relief assistance but later was told that I no longer qualified due to system errors. I was then told that my only option was to do a modification which I agreed to avoid being delinquent. 

The Modification process began, I received and signed the paperwork and mailed it back via certified mail. I called on XX/XX/XXXX to explain that I have not received any information and that I am trying to make my payment online but the system will not allow payment. I was told that payments can not be made at this time due to the modification process. 

I was told by a rep with Lakeview that the modification paperwork has not been processed and as soon as it processes payment can resume. 

I called back on XX/XX/XXXX and explained that I am still unable to make a payment due to modification paperwork processing. The Rep with Lakeview explained gratitude for my eagerness to make payments but assured me that my mortgage will not show delinquent nor will my personal credit be impacted due to their delay. I requested that the rep notate my account with the statement he provided me. 

On XX/XX/XXXX I called and explained that I'm still unable to make payments. This time I requested to speak with the supervisor. The supervisor told me that I can make a payment with her over the phone and that's all we will need to do. I made a payment. 

The payment did not process due to my bank account. I called on XX/XX/XXXX to make the payment it was processed successfully ( See Bank Statement Enclosed. ) The rep then stated that the modification and payment were successful and that my next payment will be possibly in XXXX due to this modification. 

I called on XX/XX/XXXX to verify my account is in good standing I was told yes it was. 

I received my mortgage statement dated XX/XX/XXXX which shows the amount due of XXXX due on XX/XX/XXXX I received a Statement dated XX/XX/XXXX That shows the amount due of XXXX due on XX/XX/XXXX. ( copies enclosed ) I received a check from XXXX XXXX on XX/XX/XXXX in the amount of XXXX for the overpayment. ( see a copy of check ). This also gave me assurance that my mortgage is current and in good standing. 

Today, XX/XX/XXXX I received a notice from XXXX XXXX stating I am behind on my mortgage in the amount of XXXX as of XX/XX/XXXX. I immediately called to question this and I was told that they have received no payment since XXXX and I am delinquent. Every rep I spoke with was not willing to assist me and only provided options for another modification. I am receiving XXXX assistance from the reps and upper management. I wish to have this resolved and my account updated to the current one as of XX/XX/XXXX.
Consumer complaint received 2024-03-14
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. (CA)

XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXX XXXX
Consumer complaint received 2024-03-14
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. ()

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 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 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