davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: Upgrade, Inc. (CA)

I am a victim of identity theft. Beginning XX/XX/XXXX and have had numbers of credit cards, loans and accounts opened in my name without my authorization, knowledge or consent. My 3 emails, social media and phone were compromised. 
The actions I have taken are as follows : XX/XX/XXXX Filed Police Report # XXXX for Fraud XX/XX/XXXX Filed Police Report # XXXX for Identity Theft XX/XX/XXXX started to contact merchants that I am aware of identity theft against me XX/XX/XXXX - contacted my banks and closed all my checking accounts and credit and debit cards XX/XX/XXXX - Opened an account & filed a report to FTC XXXX Federal Trade Commission ) at Identitytheft.gov XX/XX/XXXX Contacted Credit Bureaus ( XXXX, XXXX, XXXX ) to put Fraud Alert/freeze on all my credit/identity XX/XX/XXXX Filed an Identity Theft Report at Office of the Inspector General at secure.ssa.gov XX/XX/XXXX Suspended my compromised cell phone One of those credit cards is a card with Upgrade , Inc . I was notified of this card fraudulently being opened by a welcome letter in the mail XX/XX/XXXX. This card was opened with a credit limit of {$10000.00} that was already maxed out before I received the card. I have reached out immediately and informed them of fraud. My response was that someone would get back to me, which I never received a response from anyone. I have reached out on 3 separate occasions. I have never activated nor used this card to my benefit directly or indirectly in any way, or have made any purchases on this card. I sent an email out on XX/XX/XXXX in another attempt to resolve this. My response to this email was a request for more information and documents which I complied with. I have submitted all documents that have requested from me, and all possible documents to prove my claim. My response from Upgrade , Inc. was returned with a request for even more documentation. I have provided the requested documentation and have not heard from them. I did not hear back so, I have sent a follow up on XX/XX/XXXX with an email. I have also followed up with dispute letter from the FTC Identitytheft.gov. On XX/XX/XXXX, I have finally received a response refuting my claim that this transaction is indeed fraud. 

However unfair this has been to me, I may be forced to seek legal action, of this if it continues, at your organization 's expense if this persist.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3100.00} XXXX  XXXX XXXXBalance : {$440.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I filed a complaint with the office of the CFPB in XX/XX/2021 and the case number is XXXX against Synchrony Bank XXXX Your office gave them the opportunity to contact me and try to work things out which is what I have been trying to do for the last few years with no avail. As soon as the CFPB reached out to Synchrony Bank, they reached out to me and had just enough information to send back to you to say " they have contacted me and they are working with me to get this matter resolved. Once you closed the case they have never called me back nor responded to any of my messages or phone calls. The person who I spoke to is XXXX XXXX and I have left numerous messages and and sent emails and she has chosen to ignore me. I am reaching out to your office again for help as I have a notice for a summons to court in person on XX/XX/XXXX. When I asked her about if she can place it on hold or cancel until a resolution is made, she said that she thought she had gotten the file back from the attorney/collection office but will confirm and let me know. I am still waiting to hear back. This is not the way for the head dept of Synchrony Bank to treat the consumer. They really do not care about people. This just makes it look worse that they are not trying to help or research to see what happened. I want you to please post this for the public to see so they can know that Synchrony Bank is a horrible company to do business with.
Consumer complaint received 2022-01-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2022-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I open account with XXXX and then I read there fees and interest rate. I closed the account immediately and I never use or activated the card. Then they said me emai saying I owe then {$99.00} fee. They told me they were going to take the fee off and never did. I told them I would see them in court. This wrong charging fees for no reason. Now it showed up on my credit report. I would like this to be removed from my credit report.
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (FL)

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within XXXX days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (LA)

I shopped around for mortgage companies, even went through the process with my previous lenderXX/XX/XXXX. My real estate agent referred me to Rocket Mortgage as they had a program that would cover all of my closing costs less any costs covered by the seller. There were several issues throughout the process indicating that Rocket Mortgage would not honor its initial program. XXXX XXXX reached out to me and tried to retain my business. After many misrepresentations from Rocket Mortgage and several changes over and over to my Closing Disclosure, they ultimately agreed to beat the offering at XXXX. The night before closing, I reviewed the CD and was attempting to understand why my cash to close was more than the down payment and I had not received credit for the {$2000.00} in earnest monies. I was assured several times both by phone and via email that my cash to close would be limited to the required 3.5 % down payment. 
On closing day, I reached out to Rocket Mortgage and received several disingenuous explanations. They asked IF I had paid the earnest money. The title company, XXXX XXXX, immediately provided proof of funds and we proceeded forward with my closing, four hours after the scheduled time. I even received a refund check because of the excess of my cashiers check. 
Fast forward to XX/XX/2022, I received a notice from XXXX XXXX XXXX informing me that I had no insurance coverage due to non-payment of my premium. I contacted Rocket Mortgage and was transferred from department to department for nearly two hours explaining and re-explaining the issue. I explained it was an origination issue, they transferred me to loan services and continually explained that I just misunderstood the process. They insisted that the funds should come from my escrow account because it was the closing department was told that it was paid. I finally connected with XXXX XXXX and she assured me that she would address the issue. 
As of XX/XX/2022, Rocket Mortgage paid the insurance company from my escrow account when I asked to clarify a resolution on their end and informed them that rather than creating a shortfall in my escrow account, I would pay the insurance company directly and deal with Rocket Mortgage on the origination issue. 
My strongest concern is that I had two other approvals from XX/XX/XXXXas well as XXXX XXXX that were honest and forthcoming in what they could provide. Rocket Mortgage continually offered one thing and misrepresented what could be done leaving me with an additional bill after closing. They lost my {$2000.00} earnest money and told me that I just didnt understand the process. They continue to also misrepresent that it was a misunderstanding for a very basic document indicating that my premium was to be billed to the lender. They should not be allowed to do this.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX, I received an email from XXXX Tax Collector saying that my check bounced from Golden 1 Credit Union. When I opened my account I am showing that there was enough money to cover the check. I called the bank and they told me that there was no money in the account to cover the check payment. Please see the rejection below from XXXX XXXX XXXX Collector. On my online statement, I show that I have more than enough to have covered the transition listed below. Clearly, this was an opportunity for the bank to take money from my account although funding was there. Please respond to my request if you need further documentation regarding this issue I can be reached at XXXX and XXXX. 
Thank you in advance for your time in processing this request. It is my request to invest to see if the company is going this to other members as well. 


XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$22.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$100.00} {$2800.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$1400.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX  Online Transfer " STD '' XXXX from share 0 {$100.00} {$1300.00} XX/XX/XXXX Checking Deposit @ XXXX  Online Transfer " STD '' XXXX from share 1 {$200.00} {$1200.00} XX/XX/XXXX Withdrawal ( Item # ACH FEE ( S ) ) {$30.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$43.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$120.00} {$1000.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 1 {$800.00} {$1100.00} Here is the count tax letter received via my email also see attached to the bank statement from Golden 1 XXXX XXXX Tax Collector : Payment Rejected XX/XX/XXXX at XXXX AM PrintRaw message XXXX XXXX To : XXXX Your bank has dishonored your e-check payment. The reason given was : Insufficient funds ( R01 ) Please contact your bank if you need further information about why the payment was unsuccessful. 
If your e-check was rejected for any reason, you may be charged a service fee. 

Please contact us at ( XXXX ) XXXX if you need further information about why the payment was unsuccessful. 

Return Confirmation # XXXX Your payment has been returned. 

Payment and Return Summary Transaction Details Payment Date : XX/XX/XXXX XXXX AM PST Return Date : XX/XX/XXXX XXXX AM PST Recipient : Tax Collector Location : Public Site Received Via : Online Payment Type : e-check Account Information : THE GOLDEN 1 CREDIT UNION Account # XXXX Paid By XXXX XXXX XXXX Adjustments Original Amount Charged to Your Account Amount Returned to Your Account Total Balance Remaining Charged to Your Account ( if any ) Payment : {$2100.00} {$2100.00} {$0.00} Total : {$2100.00} {$2100.00} {$0.00} If your payment was returned by your bank, you may need to submit a replacement payment.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian placed a fraud alert on my credit report without documentation. Experian is now requiring that I send a copy of my personal protected information in order to have the fraud alert removed. To date, Experian does not nor have they ever had an official copy of my driver 's license or social security card yet they have been reporting my credit history for over 30 years. I find that Experian is using the fraud alert as an attempt to gain access to my personal protected information to have on file for their use when I may submit a dispute against a creditor.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

My vehicle was totaled in an accident on XX/XX/19. Ally Financial refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with XXXX XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2017-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Town Financial Corporation (IA)

I received a personal loan through Town Financial in XXXX XXXX, IA in or around approximately XX/XX/XXXX, I paid each month, then qualified for another {$800.00} loan to extend original loan out, this was approximately around XX/XX/XXXX,  this was to extend out my loan and be paid off in 24 months. I have been paying $ XXXX {$140.00} each month and have had a couple of late payments. The loan should have been paid off entirely at least 6 months ago. XX/XX/XXXX I was told I had XXXX balance, I have paid over {$900.00} since then. Town Finance harasses me ( I have phone records, voicemails and bank receipts/statements ) at least 5 times per month by calling me for days on end consecutively leaving messages stating they need a payment. I have requested my original and 2nd loan original documents be mailed/emailed to me and was told they would be as well as documentation of each of my payments. Town Finance has never provided this documentation to me after more than 1 request to do so. This company is a complete scam and takes advantage of the working poor and middle class. After complaining most recently to the Iowa Attorney Generals Office regarding Town Finance, ironically, I received a notice in the mail from Town Finance stating that they did an internal audit and have found that I have a balance due of XXXX and if I feel it to be any different to contact them. I do not owe anything, and in fact, they owe me money for overpaying and for fraudulent loan/business practices. I really feel that this company is really misleading in loans offered, interests rates on loans, late payment fees, and have been paid 2 times the amount of my loans that I owed. I want copies of my loan documents and want XXXX back that they owe me. Please help me and others to eliminate Town Finance from being able to prey on people any longer. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ragan & Ragan, PC (GA)

Hi, I received an letter in the mail from my job saying that I have been summons of garnishment from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated they attempted to serve me and I didnt respond which led to garnish my wages. That is false .I never received any court papers considering this matter. I have never been to this hospital before. I have had health insurance for 4 years now .I tried to contact the law firm who is being the third party called RaganandRagn law firm located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX to see what this matter was obtaining to, they kept hanging up the phone until finally getting a hold of them. I politely asked what this matter was about, he told me he doesnt have to answer my questions and just pay my debt then proceed to hang up. They filed a Garnishment with XXXX XXXX XXXX. I spoke with XXXX XXXX Court and told the clerk that I asked the law firm if they could give me any details about this hospital bill and that the law firm was very rude and didnt answer of my questions or concerns. XXXX XXXX court clerk told me to fill an motion and that the law firm illegally filed a claim. This law firm have over 30 BAD reviews on their website. Im going to file The Fair Debt Collection Practices Act against them because it is incrediblely unfair that I have to get money garnish from my check when I never even been the hospital that they stated. They could of simply hear me out with my questions about this concern. The firm have very poor communication skills. Now I have to file an motion with XXXX XXXX court. They need to be reported
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX # 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
Consumer complaint received 2024-03-10
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: EQUIFAX, INC. (TN)

I am writing to formally dispute the inaccurate closed accounts listed on my credit report. After reviewing my credit report the information regarding these closed accounts is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy. 

Upon checking my credit report I have found these inaccurate accounts 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 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

We unfortunately got transferred to Mr. Cooper from another company that we loved. I made a payment on XX/XX/18 in the amount of {$270.00}, but they didnt remove it from the amount owed. I have spent countless hours on the phone trying to get it fixed, only for them to fix the total I owe and then revert it back like we hadnt paid anything. This company is ridiculous and trying to scam people out of their money. There have already been lawsuits filed against them and I have no idea how they are still in business.
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

All three credit bureaus are horrible. Everyone is at their mercy and the fail to meet demands for the industry. 
They continue to not update information. 
They continue to NOT review supporting documentation. 
They websites continue to NOT work and one can not upload any data. 
They are NEVER available on the phone. 
They are ALL only interested in the consumer subscribing to their services. 
They charged 2x for the same service in a single billing cycle and not reimburse. 
There has to be a better way, especially during this pandemic and beyond. 
IT is absolutely ridiculous that we are all at the mercy of credit bureaus that have never ending data breaches and continue to hold outdated and false data. 
I believe the banks and creditors must be giving them a kick back. 

HORRIBLE HORRIBLE HORRIBLE.