davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (TX)

Upgrade refuses to authorize a chargeback on my XXXX for {$50.00}. 
The merchant refused my refund request, so I requested a chargeback. 
I sent all of the info Upgrade requested.
Consumer complaint received 2019-07-18
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: Experian Information Solutions Inc. (NH)

A company named XXXX XXXX XXXX XXXX, etc.filed a collection request to XXXX XXXX 2 weeks ago for non payment. The credit bureau they had used gave them bad info, using my name and birthdate instead of the real person. XX/XX/XXXX I called the police and was interviewed by Officer XXXX XXXX of the XXXX Nh police dept. I also contacted the company who sold the equipment and the collection agency. By XXXX that afternoon, Officer XXXX had contacted the collection agency and had investigated, finding out the real customer who defrauded the company. Her name is apparently XXXX XXXX with my same birthdate. Upon investigating, Officer XXXX found out that this woman gave a SS # that was hers, and not mine. When the company realized she had ripped them off, they turned it over to XXXX XXXX. The collection agency gave Officer XXXX. the info they had and she found out where the woman lived and one of them even gave the woman 's email address, all of which I have. Yesterday, On XX/XX/XXXX, Officer XXXX. called me to tell me that XXXX XXXX had done its own due diligence and realized I was a fraud victim and they promised her they would clear up my credit as soon as possible. In the meantime, I filed fraud warnings on all 3 credit bureaus and my bank. But today I got a notice from Experian  saying XXXX XXXX was refusing to clear my name. I have called Officer XXXX again ( in tears ). I can not find a link on Experian to further protest this fraud and no one answers the phone. Plus XXXX hung up on me, and no one from the collection agency would speak to me. 

XXXX operates out of Utah ; one of their phone numbers is XXXX. XXXX XXXX. Please help me. I suffer from an XXXX XXXXr as it is ; thi is causing me illness. 

My name is XXXX XXXX ; I live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NH and my email address is XXXX XXXX
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

Diversified Consultants , INC is attempting to collect a debt from me in the amount of {$1100.00} which i am not responsible for and is reporting this fraudulent debt to the credit bureaus in my name. i have been contacting the company since XX/XX/2019 and requesting that they remove this account from my credit reports as it is fraudulent but they refuse. i received a letter from them on XX/XX/2019 stating that will not stop reporting this debt.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I've been trying to get my credit report frozen with Equifax since XX/XX/XXXX. It took me 5 minutes online with XXXX and XXXX, but Equifax has been deceitfully stalling me throughout the process. I'm unable to do it online or by phone since they require additional documents. I've spoken with an agent on the phone and was instructed to send a letter to Equifax with a request to freeze my credit report, along with proof of ID and proof of address, which I did. I've got confirmation that Equifax received the letter on XX/XX/XXXX. Since then, my credit has not been frozen. I've tried to contact the company again on the phone, when the agent simply read me a script telling me that they couldn't see whether the letter had arrived or not ( and that was after confirming an endless series of personal information, such as SSN, address, and date of birth, as always ). I've tried contacting them on XXXX, and they've simply told me they've handed my case to the XXXX team as I am travelling abroad ( which, again, makes no sense ). It is clear that the company has been acting in bad faith in order to keep my credit report unfrozen.
Consumer complaint received 2019-07-18
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. (OH)

I checked my credit report & saw that points were taken away from my score because I moved. I didn't move, I closed my postal box & had my mail sent to my home. I contacted experian & spoke/a person in the XXXX. He said his name was XXXX but he didn't understand me. I asked to speak to someone in the US. He said he was transferring me to the US, I asked for the number in case my call didn't go through. He said he didn't know the number he was transferring me ( I asked how could he transfer me to a number he didn't know. Basically he didn't explain that transferred me to hang up. Can u help me?
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

-- -- -This is not a duplicate -- -- -Southwest credit systems LP reports to XXXX  that I opened an account on XX/XX/XXXX with XXXX. I did not open an account with XXXX, nor have I had an account with XXXX in years. This information is incorrect and must be removed from my credit reports. 

How can an account opened in XX/XX/XXXX already be in collection to a third party debt collector in XX/XX/XXXX?

I need validation of the debt. 

I'm requesting all further collection attempts including reporting to all credit bureaus be stopped. 

I'm requesting a validation of the amount owed. 

I'm requesting all payment history. 

I'm requesting the date of first/last delinquency. 

I'm requesting a copy of the information that was used to validate my identity when they account was opened. 

I'm requesting that you refer to the last company that purchased this debt that is no longer reporting to my credit because they couldn't validate the debt. 

I'm requesting that you refer to my first complaint to your company before preceding with this one.
Consumer complaint received 2019-07-18
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: CITIBANK, N.A. (CA)

Bank : City Bank Date : XX/XX/2019 Amount : {$1400.00} Vendor : XXXX XXXX is an online selling platform like XXXX and XXXX but only difference is XXXX encourages fraud XXXX sellers as XXXX is a XXXX company. 

One fraud seller claimed that he is XXXX Security Camera authorized seller/dealer and recommended me to buy XXXX   cameras. After purchasing these, I realized that cameras are of not good quality and also seller is fraud and not authorized XXXX seller or vendor. I contacted seller to return the items and get the money back. seller and XXXX refused. Fraud seller even offered me 2 years warranty but now he longer answers to my calls and text as he is a fraud and his main intention is to cheat American buyers. I paid with citi visa card. Both citi bank and visa card didn't help me in this matter. I request government to step in help save hard earned money of American citizens from fraud XXXX. 

Citi Bank Dispute Number : XXXX
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (PA)

My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ XXXX XXXX and three are showing up despite the accounts being paid in full, having XXXX balances, two being closed, and one being open. XXXX XXXX is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

CoreLogic Credco is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX ). How can I get them removed/updated? 

I am desperate right now.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX  / XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX / {$430.00} XXXXT / XXXX / {$0.00} XXXX XXXX / XXXX / XXXX 15 U.S. Code 1681i - Procedure in case of disputed XXXX ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2018-05-18
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: EQUIFAX, INC. (MD)

I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. Equifax, XXXX, and XXXX are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.
Consumer complaint received 2022-12-03
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. (GA)

i've been trying to access my consumer report, credit score and apply a credit freeze to my XXXX and Equifax reports for the last 4-6 months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (MO)

I received a call from NCC a debt collector for XXXX XXXX XXXX. I did not have any information about the issue and no correspondence. I asked the agent with NCC to send me verification of debt. He told me to email their company. The next day I received another call from another debt collector. I asked for verification of the debt. I was told that they don't have to provide that information and the debt was owed. I have a video of the apartment after we moved. No one has responded to my request.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I deposited {$2300.00} into my Wells Fargo account ( # XXXX ) along with another check of {$150.00}. After 4 months, XX/XX/XXXX I received a notice from Wells Fargo ; " Transaction Correction - Mobile Deposit check posted twice - Ref # XXXX amount XXXX. " This money was withdrawn from my account. After numerous phone calls to Wells Fargo and XXXX amount of time on HOLD, they where unable to locate the Transaction that the check was deposited twice. Four months after the deposit, they are still unable to find where the funds were deposited twice? They simply said they would send me a letter. No reason as to why they where sending me a letter. 

I need help in getting this money back in my account. 
XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER XXXX****
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been written : " serious delinquency '' Proportion of balances to credit limits on Bank accounts is to high Time since delinquency is too recent or unknown Lack of recent installment loan information ''
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE A XXXX LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND XXXX PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I have checking account at apple bank, branch XXXX XXXX New York. I have money in my checking account almost {$39000.00}. I want today to the bank asked them to make a certified check because Im buying a house. The manager there refused to make me the check. He decriminalize, because Im a XXXX i believe this is the reason, Im not a thief or anything. because he doesnt have a a right to hold my money. He is not the government or the court to hold it. The manager name is XXXX XXXX. I have the closing tomorrow and Im losing about {$6000.00} lawyers fees. Please help me to solve this matter and make this guy an accountable for his discrimination action.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter via certified mail to have the XXXX XXXX account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I was in desperate need of a vehicle and credit acceptance gave me a loan for a 2011 vehicle. My payments were over {$400.00} a month and I could not afford to keep up with these payments. My car was repossessed and as a result my credit isnt bad standing. I no longer have a vehicle as a result it has lowered my quality of life.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions bank charges overdraft fees based solely on available balance. I was most recently charged 2 overdraft fees on transactions that brought my posted balance to a positive amount because there are pending transactions completed after the posted transactions, which will receive ADDITIONAL overdraft fees if a deposit isnt made. These charges arent based on anything other than the available balance being low, even though my actual posted balance was POSITIVE. 

Example : Starting balance : {$55.00} Pending transactions : {$25.00}, {$25.00} New posted transactions : {$25.00}, {$25.00} Despite the posted balance being + {$5.00}, I receive {$72.00} in overdraft fees, then an additional {$72.00} in overdraft fees when the pending transactions post.
Consumer complaint received 2019-07-18
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: CITIBANK, N.A. (IL)

I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from Citi Bank are present on my credit report. 

I've gone to Citi personally with my neighbor to get assistance with the error. Citi refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
Citi bank refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from The XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
Thank you.
Consumer complaint received 2019-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Arete Financial Group (MI)

On XX/XX/XXXX I was falsely mislead into believing that in order to get my student loans back on track, I needed to sign up with this company, ARETE FINANCIAL FREEDOM LLC. I was coerced into doing this when I fully disclosed a XXXX XXXX to the loan specialist I was speaking to. I was told that my student loans would be consolidated and I would be put on a Public service loan forgiveness program. To enter into this, I had to pay an upfront service fee of {$790.00} and monthly maintenance fees of {$39.00}, in which a portion of that would be going to my student loan provider. All of which I did. 

On XX/XX/XXXX and XX/XX/XXXX I received emails from XXXX XXXX ( My student loan provider ) reminding me that I needed to submit annual documents by XX/XX/XXXX. ) On XX/XX/XXXX I emailed Arete asking if I needed to provide anything to them and alerting them of recent emails from my loan provider. I never heard back from Arete, so I called XXXX servicing. At that time, I was informed that I was not enrolled in Public Service Loan Forgiveness, and that they had not received any payments from me in over a year. I was also told that a company can not charge any up front fees and that every " service '' that Arete was charging for could have been accomplished for free. 

On XX/XX/XXXX I called Arete Financial and asked for a cancellation of agreement. Person on phone was avoiding my statements. I asked to speak with a supervisor and was told no. I asked for the compliance department and was told that someone would contact me on Monday. I asked again to terminate contract and was told I would not get a refund for " services '' I asked " what services? '' The person on phone told me that the monthly service fee was for " all the time spent on the phone '' XX/XX/XXXX No one from the compliance department at Arete contacted me so I emailed Arete to terminate my contract agreement. I also cancelled my debit card. XX/XX/XXXX I emailed Arete requesting that my money be refunded. 

XX/XX/XXXX Arete refunded me {$350.00} ( equaling amount of monthly maintenance fee 's I had paid to them ) XX/XX/XXXX I emailed Arete asking for the remaining {$790.00} and offering to call it even if they were to give me back half of that amount ... ..