davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (MI)

approx 2 months ago they billed my closed checking acct when i specifically advised them its closed resulting in fees for bothn the upstart loan and upgrade card i have with them the following month they did it again i went off on them and was told theyb wouldnt do it again i removed the acct last month and what they do they did it a 3rd time this month they have the correct acct on file but keep billing the one i said not too i remove acct they add it back this place has giving me so much grief on adding my new acct at first they wouldnt verify it even after isent requested infotheykeptsaying itvwasntthe format theybwanted eventually they accepted it this is after billing myclosed acct3 times when i said not too my god im very upsetting its costed me more than all my payments combined with the bank bc thge acct cant close until it isnt billed i need them to remove it and they wont do it i even gave them the acct to bill ive had alot of cards over the years but never have run into such a poor managed co like this one they purposely ignore your every in struction please help in any way you can its not like im not paying the bill but of coarse its hurting my credit as well and they know it and its not fair also i should note i try to go back to access my info online now and it says my acct is temporialy not available ive had multiple issues trying to access in past its like they lock me out so i cant do anything also nobody works on weekends there very hard to get ahold of i belive its intentially driven motives
Consumer complaint received 2022-03-02
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: Credit Plus Inc (GA)

IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO XXXX CREDIT BUREAU : 1. 3. CREDIT PLUS XX/XX/2021 XXXX XXXX XXXXXXXX XXXX 2. XXXX  XXXX XX/XX/2021 XXXX & XXXX XXXX 3. XXXX XXXX XXXX XXXXXXXX XX/XX/2021 AUTOMOTIVE XXXX 4. XXXX XXXX FINANCE, PERSONAL XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (MD)

XX/XX/2020 Im having trouble linking and adding funds on my virtual accounts through XXXX  XXXX   XXXX. After putting my login info i would get a message saying that you bank has made changes to prevent you from linking your account. Ive called my bank and all they told me was to try to link it manually and its doest working.
Consumer complaint received 2024-02-27
Product: Credit reporting 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 Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number : 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 seven 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 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and Equifax. Thank you!
Consumer complaint received 2015-09-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I applied to refinance my 2010 Chrysler Town and Country vehicle that is being financed by Wells Fargo Dealer Services. I applied for refinance and was approved with the same finance company Wells Fargo Dealer Services. The refinance loan is in process. I notified to let them know that the loan was in refinance process because it is with the same finance company. The payment came due but there is no reason to pay if the refinance will take care of the old loan from the same lender. I have never been late prior to applying for refinance and now they are harassing me to pay when it is going to get paid off in a few days. I do not want them to report 30 day late to credit bureaus when it is the same lender and considering I was never late on any payments prior to waiting for the refinance to complete.
Consumer complaint received 2018-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I called Hospital to set payments on my account, the lady said unless I come up with {$1000.00} up front she couldn't set up my payments. Well I do not have that money but I started to make payments on my account monthly anyway. Even then Hospital sent me to collections with not advice or anything. 
Please help. Thanks
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

Homeowner applied for 2nd modification due to reset of first modification which caused a payment increase, at the time of the application she was not delinquent. Homeowner was approved for 2nd fixed rate modification for the life of the loan. All payments were made on the trial but after receiving permanent agreement, the deferred principal amount from 1st modification increased by XXXX. Housing counselor had several calls set up with Ocwen to clarify difference in deferred principal amount. homeowner was told several times not to send in permanent mod until dispute was resolved after the homeowner finally understood the permanent mod, she was told that she was 5 months delinquent with a total of XXXX. Ocwen is not accepting payments or 2nd modification.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nair & Levin, P.C. (CT)

I 've filed a complaint last month about this company. After several attempts of requesting verification of debt, I filed a complaint with the cfpb. I originally requested the verification years back without receiving the right to dispute. This company is beyond unprofessional and operates with untrained representatives. I called in on  XX/XX/2017    and I was told that they could n't put my requests in writing and I was hung up on by  XXXX . l called back and spoke to  XXXX , another  manager who  was even more unprofessional. This company is not abiding by the law and has not sent a correct verification of debt. Each bill that was billed out and actual meter readings need to be sent, for proper verification. Any correspondence needs to be sent by the company in writing, due to their false statements and untrained representatives, giving out incorrect information. I am requesting recordings of calls that were on   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     ; or I will ask the federal court to subpoena those calls for my current case against  Nair &amp; Levin P.C.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I purchase a few items from Amazon online, amazon offered me discount not telling me that they actually open for me new credit card account with the synchronic bank without my consent and the understanding that this another account that I'm not interested at all! 
I returned most merchandise in the amount approx. of {$360.00} and more, Amazon personnel account consumer service from XXXX and XXXX,??? after going through my account charges and refund told me they refund me all the money, not telling me to what account they refund me the money? 
I called to the synchronic bank they told me they did not receive the refund from amazon, so someone is lying to me. 
This is a serious scam and fraud!! 
I suspect the scam is between, XXXX, Amazon consumer service, Synchronic bank, and Paypal. 
when a consumer wants to verify account correction charges and refound, consumer, become the victim of fraud by giving them round round forcing consumer to contact each institution separately refusing to make 3 way call so all side are online verifying the truth of charge and refund, there excused for that is saying its security issue, this is the way the commit the fraud depriving consumer of the truth they were out consumer in many hours on the phone like me take 10 months and over 30 hours on the phone with them and got nowhere. while on the phone they tell me to wait for few minutes while they cal to another side of this scandal then line disconnected, I call again and the round of the scam starts all over again. 
now last few months the synchronic bank report to credit bureau of my faulty debt thinking I'll be put on pressure to pay for fraudulent charges. I refuse to this extortion!
Consumer complaint received 2022-08-10
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. (MD)

XXXX called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. Experian and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (WI)

I was involved in a fraud scam. In XX/XX/XXXX of last year, I set up a payment plan with this company for my student loans to be paid off in the next 10 years if I pay this amount for 10 years. I had no idea that they were taking the money and pocketed it. I just want my money back.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I have to continuously have my loan payment allocation corrected by calling or emailing customer service for XXXX XXXX. I have decided to end my auto-debit to see if that would make the payment easier, but it 's worse. Without auto-debit I have no way to schedule payments ahead of time, there is no option for scheduled payments with manual payments. I also do not have an option to have my extra payments go towards my principal loan balance. These extra-payments either advance my due date or go towards the next month 's payment. I have repeatedly told them in both emails and phone calls that I do not want my payments applied this way. This does n't seem to help, I still have to call and email to have it fixed. This was not a problem until XXXX transferred my loan to XXXX XXXX
Consumer complaint received 2022-08-10
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. (MD)

XXXX called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-09-07
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 # XXXX has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions.

I have asked this company several times to provide me with a signed contract by myself and they have not delivered
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am currently applying for mortgage pre-approvals from various lenders. When provided the credit inquiries my Transunion report/score was significantly lower than the other bureaus. After speaking with Transunion the reason was because a collections agency filled a collection for my information/name and that was showing up in my report hurting my credit score. I was able to find the inaccurate information filed was from " XXXX XXXXXXXX XXXX. '' Transunion provided a number to reach them ( XXXX ) but that was incorrect and just connected me with a different agency. Finally Transunion agreed in their dispute that the information filed by XXXX XXXX XXXX was inaccurate so it was removed from my account. I'm glad we have this sorted out now however this should not have been an issue to begin with and I see 2 parties at fault. 1st and foremost XXXX XXXX XXXX should not have any information pertaining to me and absolutely should never have filed a collection that is tied to me in any scenario. This is absurd and unacceptable. After a brief XXXX search it appears this is a common issue for this company and multiple people suffer from the same situation I found myself in. Please look into this and stop this from harming other people/families. Second, being a credit bureau holds a lot of weight and responsibility. Everyone knows the weight and significance a poor or inaccurate credit score can have on a family and/or someones financial future. For Gods sake that could mean a family not getting a home or a dad not getting a job! 
Transunion should be held to a higher standard and it's ridiculous that this could happen and it's on me the consumer to see the error and to dispute it and just wait around for Transunion to fix their mistake. It's obvious the bureaus are a broken system and the idea of companies just " absorbing '' credit information with what seems like very little vetting .... ( I mentioned I'm not the only one this company has hurt credit wise ) is something that should be re-examined and hopefully fixed. With something as important and our credit scores it should NOT be up to me the victim to see the error and reach out to transunion to fix. Fortunately I was able to see it but imagine the hundreds or thousands of people that don't check their credit regularly OR don't realize a 50-100pt ding to their credit score so they don't even reach out. Without question both XXXX XXXX XXXX and Transunion need to be investigated and a solution needs to be created so the victims of both stop with me. Please help!