davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (CA)

I've had an Upgrade XXXX XXXX XXXX  for almost a year now. This is the main issue I've ever run into. 

On XX/XX/XXXX, a payment was made in the amount of {$250.00} to XXXX # XXXX for the purchase of furniture. On XX/XX/XXXX, a refund was processed in the amount of {$210.00} from the same merchant. 

The refund did not post to my account as it should have and when I contacted Upgrade support on XX/XX/XXXX and was advised to call. When I called and spoke to a rep, they originally advised that the amount was credited on XX/XX/XXXX however, no credit was reflected on my statements, in my balance, nor my interest calculations. 

When I pushed back, the rep placed me on hold and began doing research when I requested a supervisor due to this error. After approximately XXXX minutes or so on hold, it was confirmed that the credit WAS NOT posted as originally claimed and that there was a system glitch that caused this. 

Upon probing, it was advised that this does happen from time to time but it's uncommon. Due to this, they needed to create a ticket escalation to have a " backend '' team add the credit. THIS NEVER HAPPENED. 

I followed up via call and via email multiple times to only be told, they have no record of this credit nor can they further assist. 

I'm requesting that the credit in the amount of {$210.00} is refunded and that ALL interest associated with this charge be refunded as well. I've strategically paid full balances on this card with the exception of this amount while I actively dispute this problem.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC (PA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I had an auto loan with prestige financial group and I no longer have the vehicle. They have tried to get with me about paying off the car, but I no longer have the car and I dont have the car because I couldnt pay the note anymore due to financial hardship. The car was repossessed and they are still sending me emails to collect to car debt. Im pretty sure the car has been sold abs they are asking me for the full price the care was purchased for. I got the car in 2017 and it was repossessed a year later abs they are still reporting to my credit report.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2022-05-05
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: CAINE & WEINER COMPANY, INC. (CA)

i have never spoke to them about this collection. i have no idea what this is from. these collections are misunderstood and fraud. they have been on my report without my knowledge. 

In accordance with the fair credit reporting act XXXX  account CAINE & WEINER, XXXX XXXX XXXX IN, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc section 1681 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
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: Experian Information Solutions Inc. (NJ)

1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681.

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

15 U.S.C. 1681 section 604A 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 adverse item of information other than records of convictions of crimes which antedates the report bemire than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

My credit report for Experian and XXXX has the wrong address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

My credit report for XXXX and Equafax has the wrong addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/ XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$890.00}
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XX/XX/2022. 

Deposited a {$10000.00} check from Bank of America that was fraudulent. I was unaware it was fraudulent. 

The bank I deposited to put a hold on my account.
Consumer complaint received 2023-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TMX Finance LLC (TX)

I applied for a Loan from TITLEMAX LLC THINKIN I WAS GETTING A XXXX  MONTH LOAN! after paying for about XXXX  months I ask the lady who assisted me from day XXXX how much do I owe on my loan?? this is when I founded out I had a 30 day loan I ask her to talk to some XXXX to change this loan she said it could not be done I explain to her if I had know it was only a XXXX  day loan I would have never continue on this loan I explained to her I could not afford this loan. I am on social security and this the only income I have and I am XXXX XXXX XXXX I can not get work aloe explaining did not do any good I have paid {$2.00} for nothing only to keep TITLEMAX from taking my car the only way I have a copy of the contract I copy the contract off of my computer at home which had been hidden Thank god I still have a mind and knowledge to find things on my computer the loan agreement, promissory note and security agreement is what Titlemax do not want you to seethe first contract I did not sign it was a scribble the other months I sign not knowing what I was signing until I question her .the cost of the credit yearly is 159.50 % finance charge {$400.00} amount financed {$2800.00} total of payments {$3200.00} hope this will explained and help!!! each month it is a NEW LOAN!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writitng to forrmally dispute the accuracy of the information reported on my credit report by XXXX, XXXX, Equifax, and XXXX XXXX  regarding Account # [ XXXX ]. 

I have no knowledge of this account and believe it to be inaccurately reported on my credit report. As such, I am formally requesting an investigation into this matter and the removal of this account from my consumer reports. 

Under the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate information about a consumer is a violation. Additionally, violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further support my claim that this account is in violation of my rights and tarnishing my creditworthiness. 

I request that the account # [ XXXX ] be thoroughly investigated, and if found to be inaccurately reported or in violation of any laws or regulations, be promptly removed from my consumer reports. 

Please conduct a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely,
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme frustration and disappointment with your handling of my previous disputes regarding a fraudulent account on my credit report. Despite my repeated efforts to have this issue resolved, the fraudulent account continues to persist, and I am left to bear the consequences of your inaction. 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
I demand immediate action to rectify this ongoing issue. You have had ample time to investigate and remove the fraudulent account, yet it persists on my credit report, damaging my creditworthiness and causing me undue financial harm. This continued negligence on your part is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.
Consumer complaint received 2022-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

On or about XX/XX/2022 I sent my mortgage company ( Selene Finance ) an insurance check made out to myself and my husband for endorsement. 
On XX/XX/2022 Selene acquired my loan from XXXX. My claim was XX/XX/2022. I sent in all of my documents for the initial payment which is XXXX XXXX of the check amount which totaled XXXX. Selene mailed us the check with our contractor name on the check and he lives out of state. He made a trip signed it and left back to his hometown. We went to the bank to deposit it only to find out that the bank needed him to be there. His name should not be on the check and I don't need to be monitored. I am not delinquent in my mortgage payments and I have owned my home XXXX. We have to travel to his hometown just to deposit the check. This is causing us XXXX to fly and return home the same day because we have XXXX Selene has caused us nothing but XXXX. Our home is not liveable we are losing income because it's our rental. All we ask is the SELENE not put our contractor name on our check. My husband and I are the people who has been paying the insurance on our home and paying the mortgage. The contractor is who we hired and should have no interest in anything EXCEPT getting paid for his services. This is an Unfair practice for consumers who are not delinquent. Something has to be done about this practice when it comes to insurance checks. No contractor should be listed on the borrower claim check!
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mercury Technologies, Inc. (IL)

Hi all, First of all, thank you for replying to my original complaint to the Consumer Financial Protection Bureau # XXXX. Your answer was very kind. 

I am reaching out again and opening up a new complaint because I am asking you to reconsider our claim based on the merits of our case. I understand that you have very specific dispute terms. And I apologize for having taken us so long to submit our answers- frankly it was simple miscommunication between our joint account users. However, I ask that you please reconsider as we did nothing wrong. Our account was compromised through your company 's backend. The faulty transaction was processed through the account 's virtual debit card number yet there was no activity of anyone in the organization even logging into the account on that day, or that week for that regards. Someone, somewhere, accessed our account 's virtual debit card number without having our login information, and then successfully charged a 4-digit amount to a physical PoS several states away than any registered address on our account. Doesn't that scream fraud? Security breach? 

We disagree that we should be held in contempt for this missing money as we believe it is your duty as a consumer financial institution to safeguard our assets against malfeasance. Once again, please reconsider your dispute claim limits and accept our charge dispute answers, and refund the stolen money from our account. Thank you very much in advance for any help you can provide.
Consumer complaint received 2022-05-05
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. (GA)

In accordance with the Fair Credit Reporting Act, the following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2017-09-08
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. (CA)

XXXX has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.
Consumer complaint received 2023-09-21
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. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00}.
Consumer complaint received 2022-03-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

My mortgage loan was XXXX  to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less XXXX months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.