davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Upgrade, Inc. (MS)

When I applied for and was approved for the UpGrade XXXX XXXX XXXX XXXX I was promised a {$200.00} cash bonus after making 3 ontime payments. I opened the account in XX/XX/XXXX. All monthy payments have been made on time. I have made several calls regarding this and each time I was told that the matter would be escalated. I was told that I was due the {$200.00} bonus. On the call that I made on Wednesday, XXXX XXXX, XXXX I was told that the matter was being corrected and {$200.00} would be deducted from my total balance due within 5-7 business days. Today is the 8th business day. I called again. On this call I was told that I did not qualify for the {$200.00} bonus because I have 2 different cards with them. This was the 1st time I was told this. I began calling UpGrade about this in XXXX. I made several calls since then. On each and every call I was told that I was qualified and should receive the bonus. This has been a very stressful and time consuming matter.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed XXXX XXXX XXXX several times on my credit with no response. It keeps being marked as accurate. It is definately not accurate and it is effecting my ability to obtain a loan for a house. I have been disputing for 2 months now. I even got a letter from XXXX XXXX XXXX themselves to send to Transunion. I sent it to Transunion XXXX weeks ago certified mail and they are yet to pick up their mail at the post office. XXXXXXXX XXXX XXXX  is reading as an opened account with a balance to pay every month. The accounts are closed and charged off. This is so frustrating. Nobody will help me. It clearly is reporting wrong. Attached you will find the letter from XXXX XXXX XXXX verifying the information and it needs to be corrected.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (VA)

RE : Relevant history concerning my dispute with XXXX and Contract Callers , Inc. 

XX/XX/XXXX Order placed online for 80 gallons. ( Reference number XXXX ) XX/XX/XXXX Email notification of a duplicate order placed. I called to report the duplicate and this was corrected. XXXX received payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX Order delivered. 

XX/XX/XXXX Began detecting odor. Suspected leak. XXXX promptly came to remove the tank and all propane from the property. I do not have the exact date, but it was a Friday evening when the tank was removed. 

Over the course of several months, I placed numerous calls with various representatives about our replacement tank and propane. Eventually, customer service suggested I place a NEW order for propane, which I did on Friday, XX/XX/XXXX. 
The order was moved to expedited delivery at no charge with an apology for the long delay. ( Sales Order Created XXXX ) XXXX representative by phone acknowledged that it was in their records that they removed a full tank of gas as well as a leaky tank and that this gas had already been paid in full. The representative stated clearly that we would get an invoice within ten days that noted a credit on our account. 

XX/XX/XXXX Replacement tank and gas delivered. 

Invoice appeared with a date date of XX/XX/XXXX, XXXX with no mention of the credit. When I called to correct the record, there was no record of the leaky tank, no record of the removal of a full tank of gas. 

I promptly requested to close my account and I was told it would be closed on XX/XX/XXXX ( order XXXX ). 

From the time I opened my account in XXXX, business protocol and communication failed significantly. Calls had been outsourced out of the country, there was no way to speak to a local representative, and every person I was in touch with claimed to have no knowledge or access to any of the notes that previous customer representatives claimed to be taking. 

I filed an official complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 

I first disputed this debt with Contract Callers on XX/XX/XXXX ( XXXX XXXX. ) A copy of these notes has been provided to XXXX.
Consumer complaint received 2022-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Originally I applied for a loan modification on my loan due to a job loss of my husband, around XX/XX/XXXX. While in the process of the loan modification, the pandemic came and I than also had job loss for a period of time and income loss which changed the loan modification status and put me into a forbearance because SPS ( Select Portfolio Servicing, Inc. ( acct # XXXX ) ) said that they can't review under both circumstance. In Late XXXX I was put in a Forbearance according to my new situation and due to the income loss i was given some time until my situation changed. on XX/XX/XXXX after my forbearance period ended I called in to see what options I had to re-start my payment but was not given only one option and that was to submit a RAM application. In the process I was asked to submit many documents, which I did provide. They had many questions that need to be answered, which I did answered but the questions came at different times and by the time a received a correspondence for request of document/explanation every time I had to update another document because the date had expired. After a long back and forth I was already in XXXX of XXXX. At this time unfortunately I had a another change in my situation that had to brought forth, because my husband stopped receiving unemployment and I no longer can document that income and they told me that they have to put be in another forbearance. In XX/XX/XXXX at the end of the forbearance I requested a streamline modification but again they said I was not eligible and then I submitted another RAM application on XX/XX/XXXX. It is XX/XX/XXXX and SPS still is asking for more documents. The recent request concerned me because it is not in my control and according to the customer services person the requested document is needed and with out it the application will be incomplete. The request was for a pay stub that has a begin and end date, which my pay stub does not provide. I work for the State of NJ and they only have an end date on the stub and I have submitted my bi-weekly pay-stubs. I'm not sure after speaking to the customer service rep today XX/XX/XXXX what exactly they need as a supporting document as they are not able to change the pay-stub. I am very concerned about my loan and am overwhelmed by the requests. I feel like SPS is just buying time to add more interest to the end of my account. I am looking for a way to settle this in a timely manner as I'm I working mom of XXXX with a spouse with various health problems. This process has impacted me negatively, it has cost me time and mental exhaustion to the point where I feel i'm running it circles. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX SPS- ACCT # XXXX
Consumer complaint received 2020-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

One for {$150.00} sent to XXXX and {$150.00} sent on XXXX   I was scammed into buying dogs online and the person wont refund my money and paypal refuses to dispute it because it was sent as friends and family. They have sent me fake emails from fake companies and called me from fake numbers
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting a charged off account on my credit which I did n't even know I had. I recently found out about a card on my credit report that has charged off last year. I never received a phone call or notice from them one time. I saw it on my credit report recently and immediately contacted them. I have not used the card nor did I know of its existence. I am unsure if my ex from years ago did this and if so it is her responsibility but I did not sign for this card that I can remember. 
If I would have received a call or notice on this account I would have handled it at that time. How was an account opened in my name? This has affected my financing of a home and I was forced to pay this debt to move forward even though I do not owe nor have I used the card.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I repeated requested deletion of an account due to inaccuracies being reported on account. 

I filed multiple disputes and had no luck. Please refer to CONSUMER COMPLAINT NUMBER XXXX IN REGARDS TO sensible auto lending and all three credit reporting bureaus.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

XXXX XXXX XXXX, a company I have not had an account with for over 10 years, but my partner had an account, even though I took my name and information off the account years ago, they charged me a box fee which was returned with a receipt to prove it. They sent to collections, I disputed spoke to the company they said theyd take the charge off and the collections, then they charged me again and sent to collections again. I filed a report with the FCC and there was an investigation, they took the charges off but the collections company keeps flagging my credit with a {$0.00} amount every other week. I have 5 collections claims on my credit right now from these two companies. Spoken multiple times with credit management LP and no one seems to know how to fix it instead they keep asking me to pay THE OLD DEBT THAT SINCE SAYS {$0.00} theyve sent {$0.00} to collections 3 times.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (TX)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-05-05
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: Holloway Credit Solutions (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint regarding the removal of fraudulent items from my credit report. Despite my repeated attempts and providing substantial evidence of fraudulent activity, these items continue to negatively impact my creditworthiness. I urgently request your immediate attention and resolution to this matter. 

Lack of Response : Despite my efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The continued presence of these fraudulent items severely impacts my ability to access credit, loans, or housing. It undermines my financial stability and poses a significant obstacle to my financial well-being. 

I demand that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. I expect a written response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), confirming the removal of these items and outlining the steps taken to prevent their recurrence. 

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other supporting documentation I urge Credit Bureaus to take immediate action to address this issue and restore the accuracy of my credit report. Failure to do so will result in further escalation of this matter, including potential legal action. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to you with an escalating sense of urgency and anger regarding the fraudulent accounts that persist on my credit report. It is abundantly clear that despite my repeated disputes and tireless efforts to rectify this matter, these fraudulent accounts continue to wreak havoc on my financial standing. This blatant disregard for my rights as a consumer is utterly intolerable and demands immediate and decisive action on your part. XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group (NJ)

I called XXXX XXXX XXXX, as i received a court notice in the mail. As soon as i notice the court notice i reached out immediately. When i called i spoke with a XXXX She said this was from XXXX and XXXX This was the first time i was notified of any debt with there office. she gave me XXXX options to either pay XXXX XXXX and something in XXXX payments or have my day in court. I wasn't even given the payment arrangement option so i asked her if that was an option and was told yes, what can you do I explained i can pay {$50.00} a month until i looked into why my insurance never covered my visits. XXXX refuse to take my payment arrangement because it would take a year to pay off and told me to call her back later or come to court and deal with the court. She refused to take my payment arrangement. I asked for the office manager XXXX times and after the XXXX time she told me she was the office manager and still refused to help me. ( XXXX stated the call was recorded so i am sure they can verify my statement above through the recording ) XXXX  was extremely unprofessional and rude and told me she didn't have time to argue with me at XXXX ; XXXX in the morning on XXXX ( XX/XX/XXXX ). i wasnt arguing anything but trying to explain to her thats what i can afford a month and she refused payment and to help me. she told me to speak with attorny at a later time or call back in the afternoon. Again she refused the payment arrangement. It was such an unprofessional conversation on her part. Again I have had ZERO communication from them. I had to XXXX the name i received when i called the court to find out why i had a letter from them
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

During 2020 XXXX had affected me because I was Out sick so i wasnt working & the company Credit Acceptance Corporation was in agreement with me that the payment would come out biweekly every XXXX  and the XXXX  of the month when i bought the car at the dealership XXXX XXXX Credit Acceptance Corporation Has been changing the date on my days that i am Supposed to pay, lying saying i made 33 agreements with them to pay which is not true as well. This has affected my credit profile overall and messed up my ability to buy a home and improve my credit because they have been reporting me late. In which I shouldnt be late Im only late because they switch my dates in the contract that we agreed to at the dealership.
Consumer complaint received 2022-02-28
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: Mr. Cooper Group Inc. (DE)

On XX/XX/XXXX, my mortgage loan was transferred from XXXX to Mr. Cooper. I was not made aware of this transfer. 
On XX/XX/XXXX, I utilized bill pay via my XXXX XXXX account to pay the XXXX payment to XXXX Mortgage for {$2100.00}. 
My XXXX statement from Mr. Cooper came to me showing that I had missed XXXX 's payment. 
Since XXXX, I have been working with Mr. Cooper, XXXX to resolve this problem. 
I was told by Mr. Cooper that they would work to retrieve my XXXX payment from XXXX. I worked with XXXX and Mr. Copper for months to resolve this issue. XXXX stated that they did not receive the payment, however, my bank records show that they cashed the check received by XXXX XXXX XXXX pay in XX/XX/XXXX. 
On XX/XX/XXXX, I see that my credit score dropped almost XXXX points. I called Mr. Cooper and was told that since XXXX told them that they did not have the money for XXXX 's payment, there is nothing that they can do! That day, I paid Mr. Cooper the XXXX payment and started working with XXXX XXXX with Mr. Cooper. Her number is XXXX XXXX I gave her documentation from my bank that proves that the XXXX payment was cashed by XXXX and she was going to submit that to her supervisor to look to resolve the issue with my credit score. Nothing has been resolved. I was told during this entire time by Mr. Cooper that my credit score would not be affected but it has and this is not my doing. 
I need help please. How can I get this issue resolved ASAP with my credit score?
Consumer complaint received 2022-02-28
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. (GA)

I was received numerous emails from equifax mortgage and XXXX. I have four inquires from Equifax mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what XXXX is. These two companies somehow was able to pull my credit by obtaining my social security number.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IL)

The issue I am having is with Chrysler Capital. 
I filed for bankruptcy XX/XX/XXXX. I started having issues with my car in XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX IL to look at a new car. I remember at one point, before going into the finance room, wanting to leave. I felt very pressured but I went though with the loan anyway.

I financed {$29000.00} at 16.29 % interest. I have struggled to pay this loan. I have had to ask for 9 extensions through the course of the last 82 months. I have paid {$26000.00} in interest. I still owe {$12000.00} on the loan. I have paid {$47000.00} on the loan so far. I believe this qualifies as predatory lending practices.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.
Consumer complaint received 2020-02-21
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.