davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (PA)

On XX/XX/2023, I called Upgrade, Inc and I requested that my Upgrade OneCard and my Rewards Checking account to be closed. At that time they confirmed the closure over the phone and let me know that the accounts might still show up in their Internet Banking platform for a few days. 
Today, XX/XX/2023, I checked the Internet Banking platform and both accounts seem to still be active. Even more, the Upgrade XXXX clearly shows an available balance of {$25000.00}, the limit that I had prior to asking the account to be closed. 
As a result, I called Upgrade, Inc again and they verbally told me that the accounts are closed. Despite of this, considering the discrepancy between what I am verbally told and what their Internet Banking platform is showing, I requested a written confirmation of the closure of the two accounts, which Upgrade, Inc refused to provide.
Consumer complaint received 2019-08-21
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: SYNCHRONY FINANCIAL (MI)

I filed for a chapter XXXX Bankruptcy on XX/XX/19 that was discharged on XX/XX/19. XXXX and Synchrony Bank are reporting this debt that was discharged in the Chapter XXXX as charged off. None of the accounts were ever delinquent or charged off debt. I've tried to dispute this to correct the information but it keeps returning as correct information.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I contacted Equifax at 1-888-EQUIFAX in reference to error code NH I received while trying to obtain a copy of my free annual credit report at the Equifax website. I was instructed to fax over copies of a bill, social security card and picture ID. I faxed the information XX/XX/2021. I waited until mid XX/XX/2021 but I never received a reply from them. I was finally able start the process to create an online account after receiving multiple error messages during mid XX/XX/2021 : however, I couldnt complete the process because they couldnt validate my information and they needed to mail me a code. I received the code XX/XX/2021 and able to create the account ; however, I still have not had access to my credit report after several attempts. I always received a message saying that the system is down.
Consumer complaint received 2018-02-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX we got a loan at XXXX XXXX that was to provide the means for an addition to our house. XXXX XXXX insisted that we get A-Pick-A Payment loan. 
Since it was to construct an addition, payment would be low in the beginning, and then when finish we could refinance to a fix loan. Our loan balance at that time was {$190.00} and the loan we requested was for {$200.00}. We bought our house years before for {$390.00}. 
I got a permit from the City of XXXX XXXX to do a new master bathroom and master bedroom, also we put a new roof. 
In XX/XX/XXXX I went to XXXX XXXX to get a new loan, to my surprise, the friendliness I always received, was not there, not from the manager or employees. When I question a friend of ours, she worked as a cashier, she told me : '' We can't talk ''. 
A man came from the back office and gave me a piece of paper with an XXXX number, and he said : " Call this number ''. That was it. 
When I called that XXXX number that is when I heard that XXXX was the new owners of my account. Later it took me 3 years to communicate with XXXX to explain my dilemma, at the end, they denied any kind of help, based on the fact that my loan was too large and I didn't qualify. Indeed it was growing due to the fact that it was a Pick-A-Payment loan, and we couldn't afford to pay a full amortization. In the meantime the whole Country was having an economic crisis, people leaving their homes not able to pay their mortgage. 
Eventually XXXX also collapse and had to sell to Wells Fargo, for pennies. 
In My contract, that I still have with Wells Fargo, there is a page with the name of RESPA. RESPA places a a section destined to protect the consumer and it is : MORTGAGE SERVICING TRANSFER DISCLOSURE, IT EXPLAINS THAT i SHOULD HAVE HAD, A WRITTEN NOTICE 15 DAYS PRIOR TO THE TRANSFER. 

Wells Fargo has avoided my direct complaint, explaining that I signed a contract and that I knew all the facts. But in my complain, specifically explained that XXXX XXXX committed fraud, by not disclosing the sale as our contract stipulates. 

Wells Fargo has now a record of doing illegal things, Wells Fargo gave California XXXX XXXX dollars to help, people like me and the Pick-A-Payment loans. 

I am only an individual pressing for my rights, XXXX XXXX committed a crime with so many home owners and I am still trying to find justice, please help. 

Wells Fargo in their response letter dated XXXX XXXX ( enclosed ) Origination concerns about account number XXXX Wells Fargo is changing the words even though it is all written down. 
" I did not say that XXXX XXXX committed fraud, because they did not disclose that the loan was a Pick-A-Payment loan.- This is false. 
Also, '' that I was not informed that my loan could be sold to another bank '', that is also false. Wells Fargo has now interpreted a false story formulated to confuse. 
.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on TransUnion and XXXX. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on TransUnion " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on XXXX " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.
Consumer complaint received 2021-11-08
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (NY)

On XX/XX/XXXX I received an email from capital accounts trying to collect a debt of {$340.00}. 
I responded a couple hours later requesting some very important documents that tie me to this debt. I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and me XXXX XXXX , ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX  to me XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me XXXX XXXX to XXXX XXXX XXXX, and ( 5 ) a detailed itemization of the amount that they are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. 



They responded XX/XX/XXXX with what look like a computer generated statement that any one could easily create in a software. I have attached a copy of their response to this complaint for you to look at. I have also attach a copy of the initial email they sent to me and my response requesting the specific documents.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This complaint is about a company called XXXX XXXX I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the XXXX XXXX  people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me 30 and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. XXXX XXXX just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me 23 % interest as a resident of Delaware when you can only charge someone 5 % above prime for used car loans in Delaware. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (MD)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: Army and Air Force Exchange Service (AE)

In accordance with the fair credit reporting act Military Star # XXXX Dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USCN 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : 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 2018-02-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (IL)

I have received several calls and voicemails from a robocaller claiming to be XXXX. The voicemails do not indicate a connection to any medical service I have ever used. Additionally I have no outstanding medical bills and thus none which should be in collections. The calls and voicemails seem to be a scam trying to gain personal information. According to other reports online of the phone number others also believe XXXX to be a phishing scam. For these reasons I have not answered the calls or spoken with XXXX   directly. I have blocked the number but the same robocall voicemail keeps being left.
Consumer complaint received 2023-04-06
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. (FL)

Equifax is inaccurately reporting account status and account balance for the following installment accounts below : 1 ) XXXX # XXXX 2 ) XXXX  # XXXX 3 ) XXXX  # XXXX 4 ) XXXX  # XXXX The account status should reflect PAID and the account balance should reflect {$0.00}. These accounts were included in a loan consolidation and XXXX  is NO LONGER SERVICING STUDENT LOANS.
Consumer complaint received 2022-08-10
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. (NE)

In accordance with the Fair Credit Reporting act 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 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XX/XX/17, Golden One Credit Union notified me via an email Alert ( below ). I said the charge wasn't mine, but was told charge went thru a 2nd time and had been approved by XXXX for {$360.00} : ALERT FOR CARD ENDING IN XXXX XXXX Transaction details Your Golden 1 Credit Union VISA card was recently declined for a transaction. If you did not make this transaction or have questions, please contact us at XXXX. 

Transaction Details : Transaction Amount/Currency : XXXX USD Merchant Name : XXXX Merchant Location : XXXX, US Merchant Category : Discount Stores
Consumer complaint received 2018-02-06
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. (FL)

Experian Credit Bureau continues to have fraudulent information/accounts on my credit report. I have disputed these accounts several times and their re-investigation process is against the law. They refuse to re-dispute after an account is verified as accurate and even goes so far as to call the claim frivolous. I have had these accounts verified and removed by XXXX and XXXX   after being deemed fraudulent : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have been having many problems with Experian. I have contacted EXPERIAN several times regarding my credit score. EXPERIAN keeps playing games with my credit score. EXPERIAN posts my credit score for about a couple of days and then I get an email from EXPERIAN saying I no longer have a credit score. And this and this has been going on for a long time ever since I change my name, they keep putting my credit score up and they keep removing it. EXPERIAN is the only company I am having problems with. XXXX XXXX and XXXX I have my credit score up and running, and I have shared all the same information with all these credit bureaus, and EXPERIAN is the only one giving me so many problems with my credit score, they keep putting my credit score up and they keep taking it away from me. Please help me with EXPERIAN. I can no longer deal with them. Its just been back-and-forth and theres no resolution. Thank you.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (NJ)

Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!
Consumer complaint received 2020-01-23
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. (FL)

I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue you.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Sensible Auto Lending, LLC (IN)

On my contact it states that I paid credit for my down payment and thats not true, its was a cash transaction of {$1500.00} made to the dealer. This happened on XX/XX/2021. When I signed I was aware that it said credit because the dealership stated to me that it was a put down a cash transaction. After looking over my whole contract everything is fraudulent. I would like the lender to be contact to resolve this issue. I still have the receipt of the transaction made for that day.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (CA)

dated XX/XX/2021 on collection notice amount {$200.00} original creditor : XXXX I never have a account with XXXX and never have owed money to them. 
I tried to call the number on notice, but it keep saying not avail to answer. 
This company keep mailing Collection Notice several times. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX SC XXXX phone : XXXX extension XXXX
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late XXXX I tried using my ca edd debit card from bank of america, at a bofa atm in XXXX XXXX. The atm said something along the lines to call cs. I called and told the lady my ATM card wasn't working, she advised me of some sort of unusuall activity in the late pm and early am. That my card was suspended by bofa because of it. And to call back Monday morning and speak to claims. Which I did.after answering several questions she proceeded to open a claim for me. Again bofa suspended my ATM. The total was {$920.00} about 10 days later I recievecd a letter dated XXXX stating I would be receiving a temporary credit while they conduct there research. And it would take 2business days. XX/XX/XXXX I received another letter stating bofa completed the investigation and that the previously issued credit is now permanent. Late XXXX I tried using my debit card for a POS purchase. It was a Sunday. I called cs and was told my card was suspended by ca edd. Monday morning I speak to ca edd and was told I needed to verify my I'd. I did so that Monday morning. I called back Tuesday and verifyed with ca edd. I also called b of a Weds and asked what was going on? I was told my account was good but I had a neg balance. I also noticed that I had deposit by ca edd and that bofa had taken money from my account with out any type of notice. XXXX I recievecd a letter from bofa stating the claim has been closed. I've been calling everyday since XX/XX/XXXX trying to get answers on why and who took the {$920.00} my statement says ca edd I've called and spoke to supervisor and was assured ca edd can not take money from my account. XXXX bofa sent me another letter stating they completed an additional review of my claim for {$920.00} and as a result of there research my account has been credited {$920.00} that this is final and permanent and dispute is now closed. But no money has been deposited
Consumer complaint received 2020-01-23
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: U.S. BANCORP (CA)

On XX/XX/XXXX I was charged {$1100.00} for the purchase of a computer by the XXXX XXXX ( XXXX XXXX ). I subsequently returned the computer for a full refund. On XX/XX/XXXX I was credited an incorrect amount of {$1100.00} by my credit card company and bank, U S Bank. I spoke with the merchant on the morning of XX/XX/XXXX, and they advised me that they had refunded the entire amount of {$1100.00}. US Bank has been unable to resolve this issue. I am requesting that U S Bank Credit Card Services issue a corrected refund in the amount of {$1100.00}. U S Bank has not been able to remedy this situation after forty-five minutes spent on the phone with their customer service department. I appreciate your assistance.