davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (AL)

Upgrade Card has been the worst credit card transaction that I've ever encountered in 60 plus years of financial transactions. Upgrade Card lowered my credit limit 2 months after having the card then when I called some young disrespectful rep got on the phone and tried to read some disclosure to me instead of listening to me and what questions that I had a s a customer rather than beat me down and disrespect me. They have drafted money from an account that they said they deleted but didn't until I raised XXXX  XXXX about money being taken out of my account that was said to be deleted which caused my account and credit to take a hit. I want this account deleted from my credit report immediately and I can send monthly payments until paid in full, but I won't no correspondences from them period. Upgrade card has hidden fees and every time I call them its always something different and I'm tired of it because as a customer I shouldn't have to go through this type of harassment and abuse I'm XXXX and this is beyond anything that I ever endured.
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

My wife and I had tried multiple times to get affordable payments. When numbers changed, they didn't have a clear understanding. Also there was a time ( multiple ) I had to manually put in loan amounts to get the appropriate numbers with Navient. 
We will be paying this off in full, but are concerned about accurate info from Navient. We intend on paying the debt, and are currently behind, mainly because of all of the confusion.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My business account ending in XXXX has not been credited the {$390.00}. Deposit which was stuck in the ATM at the XXXX MA location Monday XXXX XX/XX/19 XXXX morning when making my business deposit. This occurred when the ATM froze, keeping the card, {$40.00} check and {$350.00} cash. I called and a claim number was given to me and was able to get my card back the same day. The next day it appeared the ATM was serviced and everything was found. This after calling the customer service number and they called the branch and verified all of the money and the check was found and verified! I have not however received the {$390.00} back in my account today and is now causing issues with my accountant and a customer who paid a deposit for an item we cant order till the check is deposited and clears! The other day I was hung up on by an employee named XXXX from the call center after being told by the branch to call there about the missing money. The bank is outright refusing to give me my funds that they verified the day after they were stuck in the machine! Please help me get the money that is reghtfully mine that they will not give me! Thank you! XXXX XXXX - President/CEO XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (TX)

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 Account # XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  XXXX BANK account number XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 XXXX 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 2022-01-12
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. (AL)

I've been a victim of identity theft. The inquiry listed should be removed for these are fraudulent. XXXX XXXX XX/XX/2020.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I first initiated my XXXX withdrawal with my company on XX/XX/XXXX of XXXX dollars. I waited for over 3 weeks and saw no deposits into my account. I chose direct deposit option since I thought it would be faster. I called my retirement company and they said that the money had been deposited on the XX/XX/XXXX and had already been cleared. They advised me to go the bank and ask them about the deposit. I went to my Huntington bank and asked about it and they said that there was no deposit. I went to another bank and they said couldnt find anything although I told them the amount of the deposit and when it was deposited. They said if the account number or my name on the deposit didnt, that it wouldve been rejected. I called my retirement company again and they gave me a trace number and went over again the account number with me. Turns out that the last two digits on the account number werent correct. So I went into the bank with this info and they finally found where my deposit went. My money went into another bank account. They said that they were going to transfer my funds from the other account into mine. A few days past and they called me and said that the person with the other account that my money went into had already spent pretty much all of my money and that they couldnt get me my money back. I was really frustrated and upset that they would allow the deposit that had my name on it go into another persons account. The bank told me that there was no name on the deposit and only had an account number and routing number. I called my retirement company and asked why there wasnt a name on my deposit. They said that there was a name and all the info needed for it to go into my account. Next day i went into the bank and gave them the info that the retirement gave me and they said there was a name on the deposit but that they only check the routing number and account number that they dont check names. Makes no sense to me why wouldnt they check the name on the deposit and allow it to go into another account. There should be more security and more people being more thorough with handling money. Shouldnt be just anyone handling those deposits. I just lost XXXX dollars due to these negligence. I really want my money back from the bank and fix this mistake that they caused.
Consumer complaint received 2022-01-12
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-05-05
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. (NC)

I contacted the companies, who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (GA)

I found XXXX discrepancies on my XXXX report through XXXX XXXX on XX/XX/2021. I went to the XXXX site to verify because I never received a written notice from XXXX concerning these collection accounts. Once I logged in the XXXX website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, XXXX free report per year. XXXX did not provide any options for a free report. These XXXX collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every XXXX months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the XXXX site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with XXXX.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (NJ)

After a careful review of my credit report, I noticed that a company, Perfection Collection ( " Perfection '' ) had placed an account in collection through XXXX. I called Perfection and was informed that they represented XXXX the original company in which the account was opened. Perfection also indicated that the account was opened in my name by XXXX in XX/XX/2016. I informed them that I never opened the account and their reporting is causing severe harm to my credit score. Perfection indicated that they were not removing anything and that I needed to call XXXX. 
I called XXXX was was told to email a copy of the police report to their account receivables. I have sent the police report to the account receivables, but I believe that XXXX was negligent in the whole process. They opened an account without any account verification. As such, I now have an fraudulent account on my credit report. 
I am a business owner and my credit means everything. In light of the foregoing, I believe that XXXX and Perfection should be liable for the errors. As a resident of XXXX, I never received any notification and/or any forms of correspondence regarding this account. How could I have known about something I never consented to do. As such, I am respectfully requesting for a full investigation with both companies. How could it result into an account being placed on my account that was never verified. XXXX  lack of diligence has caused substantial harm to me.
Consumer complaint received 2019-11-18
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My purse was stolen on XX/XX/XXXX, and HSAB denied two claims, one for {$330.00} and the other for {$100.00}. A police report was filed with the XXXX, TX police dept. case # XXXX. A new card was opened for me and the history and charges from the old statement were not shown. HSBA required me to make a {$75.00} payment without any visibility to my statement and without sending me a paper statement. My account is related to phone number XXXX. 

I called HSBC on XX/XX/XXXX and they said I had no past due balances. I look online and there is a {$35.00} past due balance. There is no way for me to see the old account that was closed online and they never sent me a paper statement. I want to see every historical transaction on my account to date. HSBC is a fraud shop! The banking system is a crime network run by the cabal and we bailed the criminals out. 

It has become a regular practice for HSBC and others to require a payment on the account, if they deem it late, and to not provide any transparency online or via paper. In this case they did not transfer all of the historical transactions to my current account. There should be XXXX late fees.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Broward Adjustment Services (FL)

I received a letter in the mail stating that BAS MANAGEMENT was collecting on a {$30.00} debt owed to XXXX XXXX XXXX XXXX XXXX. I don't know XXXX  XXXX XXXX XXXX XXXX and I have NO outstanding debts for {$30.00}. I called the BAS MGMT to report this fraudulent claim but they had no interest in talking or verifying the information. They responded by harassing me and asking questions in an attempt to acquire personal information and then hung up on me when I cautiously questioned them on objective. 

ADDRESS BAS MANAGMENT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NH)

I lost a significant amount of money to a building contractor after which time I lost my job and had to file for bankruptcy. I needed to continue to work and needed a new car to make a daily out of state commute to work to pay off my bankruptcy ( I had no consumer debt, just had gotten behind on my mortgage -- I have never had any debt ). Santander Bank offered me a bank loan at a rate of 24 % which required I work 2-3 jobs to cover. At the time I took out the loan I told the car dealer that I would prefer to buy several junk cars if they wouldn't refinance the loan after I paid off my bankruptcy which I did working days/nights/weekends for 5 years. They told me they would. I reiterated that the car would have high mileage from my commute and constant work schedule and asked them to qualify again that they would. I was told yes. When my bankruptcy was paid off and I requested the refi, I was told they didn't refinance. The car cost {$14000.00} and after 5 years I still owed over $ XXXX. I went to other lenders but they all told me the mileage was too high. The car was repossessed in the middle of the night. 

I am XXXX, have worked for 45 years and have never had any kind of debt to warrant such a high interest rate it seems to me. I can not get to work without a car. I spoke to a representative at Santander who told me that they were well within their limits to ask for 24 % which I agreed had not been misrepresented, just the refinancing of such an outrageous amount of money. A class action lawsuit in the state of Massachusetts has successfully sued them and I am asking for my debt to this company to be dismissed and have been denied.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I have never lived at the address reported on my Equifax report XXXX XXXX XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2020-07-25
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: WELLS FARGO & COMPANY (DC)

I have a loan with XXXX XXXX XXXX, XXXX, WELLS FARGO, XXXX  XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WELLS FARGO CARD SER, XXXX   XXXX  XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-06-14
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. (FL)

I sent a letter to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''
Consumer complaint received 2022-06-13
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX Bank # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 3. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. XXXX XXXX Bank # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.