davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TX)

I had a family emergency and was out of the country ( my mother was diagnosed with XXXX XXXX ). When I returned to the XXXX, I realized the payments were not deducted from my bank account. I contacted Upgrade on XX/XX/XXXX, sent XXXX # XXXX {$11000.00} from the wrong checking account by accident, and set up a payment plan of {$280.00} each month. The rep told me the account was in the process of being sent to charge off. I asked her to please get in touch with the department handling this and let them know I was sending a large sum payment ( {$11000.00} ) and set up a payment plan in good faith to please do whatever it takes to stop it. I called them again about XX/XX/XXXX when the check didn't clear my account and asked them to resubmit it because I had transferred the money. I was told the check went through, but I knew it was a LIE since the money was still in the checking account. I sent another check on XX/XX/XXXX, Ck # XXXX, for the same amount ( {$11000.00} ), which was finally applied to my account. 

1. Upgrade sent my account to charge off, even though I made a large sump payment that covered the months of missing payments and beyond 2. Upgrade is being paid the amount I owe in GOOD FAITH 3. Upgrade has damaged my credit 4. This will be reported as INCOME to the IRS, which I have NOT RECEIVED, as I am paying this loan and keeping up with the monthly payment. I send a little more when I can 5. Upgrade has not updated my payments on the account since XX/XX/XXXX and refuses to work with me on removing this charge off Upgrade is acting maliciously ; I am doing my best to ensure this account stays current, but their negligence and wrongful reporting to the credit agencies which is harming my credit. Upgrade wants to report an illegal loss on their finances with my account being charged off AND getting the loan amount paid off on time! This is double dipping into the tax pod and on their earnings, and they are breaking the law by doing this!
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to ask that they investigate and provide proof that I authorized several inquiries that are listed on my credit report. To date that have not furnished the proof that I authorized these inquiries because I did not in fact authorize these inquiries. Their failure to abide by the fair credit reporting act is causing my life undue stress.
Consumer complaint received 2021-04-06
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: Resurgent Capital Services L.P. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2021-04-06
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. (VA)

I contacted Equifax to let them know there were a lot of fraudulent inquiries made there were 28 of them. And I was hoping that they would remove them without having to go through this process but they said they could not and I had to file a report with you guys.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX Binance U.S. 
Operated by BAM Trading Services Inc . 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX. 

Complaint against Binance US On XX/XX/XXXX I notified Binance that I had suspicion that there was fraud present on my account. Binance does not offer any kind of human chat or telephone correspondence. I followed their instructions to file a ticket as they call it. Please see below the number of tickets I generated and the response I have gotten. 

XX/XX/XXXX Original ticket, receipt of acknowledgement XX/XX/XXXX follow up ticket, receipt and notifying me the more tickets I generate the longer the process will take. 
XX/XX/XXXX third ticket requesting them to unlock my account. This ticket was followed up by an electronic response of acknowledgment of receiving the ticket. 
XX/XX/XXXX I tried to gain access to my account by resetting the password but with their block it was unsuccessful. 
XX/XX/XXXX another ticket generated to see if they would at least let me have access to the account. 
XX/XX/XXXX XXXX ticket asking them to just unlock my account so I could get my money and simply close the account. 

Unfortunately, I cant even provide you with an account number as the block they have put on the account will not let me access that information. 


At this point all I want is my money back from my account. At the time they locked my account there was approximately XXXX available. 

Should you have any questions please do not hesitate me immediately. 

Thanks in advance. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB.

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

Its really bad when you have excellent credit, can payoff your loan with liquid assets you have in the bank and are only asking to borrow 48 % of the value of your home that you can not get loan approval from PNC. I will definitely let others interested in home loans not to bother with PNC. 
On the other hand, I dont blame PNC, I would rather make 5.75 % on an investment than 2.75 %. 

This is an email I sent to PNC. Seeing that the above is true and correct, I feel that Im being denied a refinance loan due to the fact that two ( 2 ) XXXX and senior woman applied together for this loan that we are being discriminated against. 

I never received a response to this email.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (CO)

I put in a request with BBVA to move my due date. I was told this was allowed but I could only move it within my 10 day grace period. My payment is due on the XXXX so I formally in writing request the move to the XXXX. I have emailed numberous times, called 10+ times, and 2 months later was told it was denied. I never recieved info about denial through email or letter. By law any denial or modification to my loan needs to be expressed in writing to me. Furthermore, at no point did anyone at BBVA tell me that I could not move my date, all persons spoken with said it was totally a viable option, from loan dept. collections, and customer service. The request was simply to move the date to align my due date with my payday, so that I was not late or using all my grace period.
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, and correction of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

XXXX   XXXX  and  XXXX   XXXX  called experian and order my credit report with out authorization there both wanted f or SSI frau d and running dead people credit
Consumer complaint received 2021-04-05
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. (AZ)

Equifax has my Date of birth incorrect. Besides not fixing the issue after all requested data was submitted, they also never provided who- what entity provided this misinformation? It had to come from somewhere after 60 years and I have requested who exactly is reporting this date of birth and no answer has been provided. Data came from somewhere and only equifax has it incorrect. I followed the procedures : NOTICE TO CONSUMERS : You may request a description of the procedure used to determine the accuracy.. 
I AM REQUESTING THIS from the above statement within the Equifax letter. Send that, instead of a stupid 5th request for my drivers license. Send me how you determined my wrong Date of birth. 
Besides correcting the wrong information, I am entitled to know the above on the procedure. How was my DoB determined and by whom? Name the source.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was looking my credit report an inaccurate info that i did authorize or consent to. I sent out letters to the company over 30 days ago and still havent got nothing. These accounts are hindering. it are keeping from gettin any type of loan. remove these items from my credit
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of identity theft several years ago and have been trying to resolve this issue with the credit bureaus. The account for XXXX XXXX  is still on my credit report
Consumer complaint received 2021-04-06
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)

Good morning, My name is XXXX XXXX and I'm displeased with what I found on my credit report. 
I found some Fraudulent & Illegal accounts and information on my credit report that you need to remove. They are listed below. Please remove these Fraudulent & ILLEGAL accounts and information. Please send me a copy of my credit report after it is completed. 
I have enclosed a copy of my Driver 's License, and 2 Bills for identification and verification. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My loan was transferred to Shellpointe as of XX/XX/XXXX. I have received no welcome letter or email as of today XX/XX/XXXX. This evening I received a call from the company. The call started off with the agent telling me they are a debt collector. I said I have never been late. I was told that my payment was due on XX/XX/XXXX and I am late. I responded that I have not received a loan number, any place to send the payment. So how can I be late if they havent provided me a method of payment. This wasnt a welcome call. It was a harassment call. The agent then proceeded to rattle off my loan information without asking if I even had paper and pen ready to write the information down. I have perfect credit. This company is already causing me stress and have had my loan for less than a week.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Ive downloaded my annual credit reports and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Kohls cashier asked me multiple questions after I asked if she could look up a basic rewards card, like at a supermarket. Was asked for all sorts of information and as it turns out, I was signed up for a credit card Without knowing. Occurred today XX/XX/XXXX. Kohls location XXXX. The store is aware. They said it happens all the time and they couldnt figure out how this one cashier was signing up so many people. Fraud. They said the way the card offer is presented is misleading. I called the toll free number on the form they gave me later this evening and asked them to reverse the credit application. They were giving me a hard time about it. Very difficult to cancel. Interest rate of 25 percent. Returned the goods of about {$50.00} and closed the account. Store cashier Totally misrepresented her actions and credit department didnt agree it was fraud.
Consumer complaint received 2015-03-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (FL)

Was given a loan by mobiloans.com. This place is COMPLETE SCAM and I pray no one else borrows money from them. They allowed me to get {$1000.00} and told me I 'd only have to pay {$1100.00} back. That occurred in XXXX XXXX, safe to say it is XXXX XXXX, XXXX and I AM STILL PAYING! So I decided to pay the remainder balance in full to avoid them EVER again in LIFE! I would love to know how much I have paid them but I do not want to because I KNOW I WILL BE EVEN MORE LIVID THEN I AM NOW! 

*Mobiloans.com
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (NC)

For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Because XXXX XXXX has provided me list of services provided by XXXX XXXX XXXX XXXX without a medical release of information, my privacy has been violated. At no time did XXXX XXXX provide medical release of information signed by me to submit my medical information to TransUnion and XXXX. At no time did XXXX XXXX provide copy of their contract demonstrating their business relationship with the covered entity. The sale of protected health information without individual authorization is strictly prohibited. Both TransUnion and XXXX should be held liable. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
Because a HIPAA-covered entity ( XXXX ) and its business associate XXXX XXXX violated my health information privacy rights, I have filed and attached a complaint with the U.S. Department of Health & Human Services - Office for Civil Rights ( OCR ). OCR can investigate complaints against covered entities ( health plans, health care clearinghouses, or health care providers that conduct certain transactions electronically ) and their business associates. I have also filed a complaint with the Florida Attorney General 's Office.
Consumer complaint received 2021-04-06
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)

The have sent letters to bureaus 2 times and I haven't receive a response. This crazy they can do this. Im not even being notified of the results of my disputes. It has been over 60 days and no response.
Consumer complaint received 2021-04-06
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. (TX)

I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XX/XX/2020