davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I noticed that if you click " get credit report '' on transunions website, it takes you through the process of signup and confirming identity. 

The website does not tell you your being charged for a service and it does not reveal a confirmation page for the amount being charged. It does not indicate the amount being billed. 

What it does ask you for, is your credit card number to verify your identity. After you input a credit card to confirm your identity, it does not tell you your being charged for a service, nor does it present you with a confirmation screen. 

Transunion did not send a receipt for any transaction to my provided email. 

I disputed the charges and cancelled the " credit monitoring services '' i supposedly signed up for, even though i was only trying to obtain my free credit report. 

After receiving a refund back to my card, i tried to request for my free credit report online and it had said i already received it. I did not receive anything. 

I am very disturbed by their website functions, and it was not clear what product i had selected until i reached the homepage dashboard, and even then, i had to go into the preferences and deep into that i found out it was a subscription service. 

I would have expected to see " {$24.00} '' displayed on any one of the signup screens and the name of the service i was subscribing to.
Consumer complaint received 2021-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (NC)

I have made 8 payments of {$280.00} to a loan with a principal balance of {$9400.00}. Of these 8 payments only {$560.00} has been applied to the principal. My interest rate is 27 %. Nowhere in the promissory note does it state that they would be heavily front loading interest payments. I have paid a total of {$2200.00} and 75 % of this amount has gone to interest on an account where my interest rate is 27 %. I have never been late and have never missed a payment. I called the company and they could not explain this to me. I also asked for a call back from a manager and they never called me back. I have screen shots showing how much of each of my payments has been applied to both interest and principal. This is easily predator lending at best. My last payment on XX/XX/21, the full {$280.00} was applied to interest and they could not explain to me why! Nowhere in their promissory note does it state that interest would be front loaded in the beginning and then taper off. Im not even sure that is whats happening since I never received a proper explanation or call back from management. Please help.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

On XX/XX/2020, an account from Sequium Asset Solutions for XXXX XXXX was added on to my credit report. It was in the amount of {$930.00}. I tried to dispute it through XXXX  several times but they said all of the information on my credit report account matches the information on the account from XXXX XXXX, so they can not take it off my report. I can assure you that I have never set up an account for XXXX XXXX or anything else that Ive disputed off my account. I would like to take this step and any other necessary step that I can to get this account off of my credit report.
Consumer complaint received 2020-02-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Upgrade, Inc. (UT)

Upgrade, Inc. and its owner, XXXX XXXX  were PIF by my credit union, XXXX XXXX via cashier 's check on XX/XX/2020. We were told to send the cashier 's check to their XXXX XXXX Headquarters, which we did on that date. We were then emailed a pay-off quote with a deadline of XX/XX/2020 and told to submit the credit union cashier 's check to another location. This was the beginning of continuous confusion ( their errors ) that ended up with both cashier 's checks being cashed by Upgrade , Inc. in the amount of {$9000.00}. The amount owed for pay-off was {$4500.00}. They have refused to reimburse the monies in a timely manner, leaving our credit union no choice, but to apply the amounts owed back to them by me and my husband to our credit union accounts, leaving us with no monies to pay the mortgage or anything else. See attached documentation for detail. The online account still shows both payments posted with no response from them regarding reimbursing our money.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX PREFERRED COLL & MANAG XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX PREFERRED COLL & MANAG XXXX PREFERRED COLL & MANAG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX   District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-28
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. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows. PLEASE BLOCK INFORMATION 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 N/A XXXX N/A XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken ()

I transfered XXXXUSDT XXXX  from my wallet XXXX XXXX  to my XXXX account, tha problem is that when i made the transacction i sent the XXXX usdt into an ehetrum account that kraken had provided instead of sending the XXXX to my XXXX account, so the token went to their ethrum account instead to my XXXX account. this transacction was made and confirmed in XXXX the XXXX. i obviously clamied to the company but they say that they are not responsible of the money because i put a wrong address sothey can take years or maybe never can be recovered. but the money is in their account and they only have to do that manually
Consumer complaint received 2022-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have bought a nutritional supplement called XXXX from XXXX company on XX/XX/2022 with my capital one credit card for XXXX dollars. Case number XXXX and when I took the supplement it made me very sick that I had to go and see my doctor and I was told by him to stop taking this supplement immediately and return it back to the company because it is NOT FDA approved. So I contacted XXXX company requesting a prepaid return label to return the supplement to them and get a full refund of my money but they refused to send me the refund or the return label. And they refused to resolve the issue and stopped responding to my emails. I disputed the charge with my credit card company capital one Visa card but capital one was unhelpful at all and they are not responding to my dispute and asking for all kinds of documents and second opinions .its like they want to make it impossible for me to get my money back and for them to have an excuse to deny my dispute claim. Capital one credit card has the worst customer service quality and they have a very poor business practice. This is a simple dispute claim. I bought a supplement and it made me very sick and the seller has a 100 % satisfaction guarantee or my money back so I am NOT satisfied with the product and it made me sick and I want my money back and capital one should refund me my money permanently. A permanent credit to my card. Capital one credit card case number XXXX
Consumer complaint received 2023-03-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX # XXXX XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK (CO)

XX/XX/XXXX I opened a company account at East West BankAccount nameXXXX XXXX XXXX Account numberXXXX Account XXXX Account opening XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX When opening an account, I told the account manager XXXX that I need to open Premier Online Bankingbut After account openingHe opened the essentials of online banking for meI have repeatedly requested to open a Premier online banking for meHe kept perfunctory me XX/XX/XXXX I received a {$2500.00} wire transferWire transfer from a strangerThis stranger lied to meHe changed money with meThen charge back this wire transfer After receiving the {$2500.00} wire transfer i want Withdraw nowbut essentials online banking like XXXX, i need Manual Fill in the remittance slipand XXXX Very slow processing speedso XX/XX/XXXX I can not withdrawand next day this stranger charge back {$2500.00} wireLater I sent all transaction documents with this stranger to XXXXThen my funds are heldThen i waited till now XX/XX/XXXX I open another company account Account nameXXXX XXXX XXXX XXXX Account numberXXXX Account XXXX Account opening branchXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX is the best bank manager I  have ever metHe is very attentive My account has been working normallyuntil XX/XX/XXXX XXXX XXXX told me their branch needs to close my accountXXXX & XXXX XXXXBecause of another accountXXXX XXXX XXXXHe feels very sorryThen tell me Account balance Will wire it to meI just want to say  XXXX Everything is fineHe is a great banker Then I call customer service XXXXCustomer service is transferred to this branch XXXXThey told me XXXX XXXX XXXX Has been closedAnd the check has been sent to my address XXXXbut I have not received any account closure notices Including email and callThen I asked for the check to be cancelled immediatelyAnd mail it to my US addressThis manager told me that can't cancel the checkOnly wait for the check to be returned and mail it againI ask why? He is perfunctory and bad attitudeVery bureaucraticThe attitude of this branch is like XXXX
Consumer complaint received 2020-02-28
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}
Consumer complaint received 2023-03-14
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. (AL)

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. 

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, 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 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

In late XXXX i received written notice from XXXX XXXX  that XXXX would be the final month of them holding my loan as it was being sold to Shellpoint Mortgage. I received my XXXX mortgage coupon from XXXX in the mail and returned it. 

On XX/XX/XXXX I noticed that my mortgage check had not yet been cashed but thought nothing of it. On XX/XX/XXXX Shellpoint collections called asking for their payment. I provided the above information but the customer service rep was ineffective and unable to address the issue. Additionally, prior to the collections call, I had received zero written or digital communication from Shellpoint. In simplistic terms, their initial interaction was to punch me and threaten my credit. Nice to meet you too <skeptical side eye> I have also reached out to XXXX for clarity on this issue. 

Regarding the submission of a loan number and account number so that in forwarding this complaint to Shellpoint they can address my situation .... I have nothing. See comment about having received zero communication from Shellpoint, I have no idea what my account number is, or a loan number.
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (FL)

I was in a accident on XX/XX/XXXX and filed a total loss claim with Bridgecrest on XX/XX/XXXX providing them XX/XX/XXXXinsurance company information and also confiriming my GAP coverage through them. I was told at this time that Bridgecrest was  responsible for notifiying and filing the GAP coverage. I was notified by XXXX that they sent a check out to bridgcrest XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$180.00}. BridgeCrest held both checks for a lengthy amount of time causing me to occur two late payments XX/XX/XXXX and XX/XX/XXXX. I found this out when my home loan was deneid due to the late payments, I also recieved a higher interest rate on a car loan due to these late payments. Now that the loan is finally paid off, Bridgecrest removed the late payment for XX/XX/XXXXbut have left an late payment on different reports for XX/XX/XXXXXX/XX/XXXX, while reporting XX/XX/XXXX on others. According to FCRA it is against the law to report inaccurate information to my credit report, which in this case my rights has been violated twice with damages. I am asking that the company remove the late payments for dated XX/XX/XXXX and XX/XX/XXXX from my credit reports. This was I can continue my home purchase. I have asked for detailed account information as well but was deneid.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XX/XX/XXXX IM WRITTING THIS EMAIL BECAUSE CHIME FAILED TO PROVIDE ME WITH PROVISIONAL CREDIT FOR A TRANSACTION THAT WASNT SUPPOSE TO GO THROUGH. 

THE TRANSACTION IS FOR {$160.00} CLAIM XXXX AND I WOULD LIKE TO RE OPEN THIS CASE AND HOPEFULLY BE ABLE TO GIVE MY MONEY AS QUICK AS YOU GUYS SAID NO TO AN UNATHORIZED TRANSACTION. 

That was the email to chime after providing documents that they double posted my account, spoke to the manager at the time and was the worst possible experience Ive had at any bank.