davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Upgrade, Inc. (NY)

Please refer to complaint number XXXX which I filed. 
I do not agree with Upgrade 's response and see below their response. 
Company 's Response Dear XXXX XXXX, Thank you for your correspondence through the CFPB received in our office XX/XX/2022. We are sorry to learn that you were dissatisfied with your experience at Upgrade. On XX/XX/2022, you opened a Rewards Checking account through Upgrade. Please note, a Rewards Checking account is a separate product from an Upgrade Card with a personal line of credit. As of XX/XX/2022, you do not have an Upgrade Card account. In order to have qualified for the {$200.00} welcome bonus, as disclosed in the promotional offer you attached to your complaint : To qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive bonus. As there was no Upgrade Card account opened, you were not eligible to receive the {$200.00} welcome bonus. We apologize for any confusion. As a courtesy to you, if you open an Upgrade Card in the next 30 days, you will be eligible to receive the {$200.00} welcome bonus. If you have any additional questions, please contact our XXXX XXXX team at ( XXXX ) XXXX, Monday through Friday, XXXXpm MST, or email XXXX XXXX XXXX. Sincerely, Upgrade , Inc . 

Please see my response ADDITIONAL COMMENTS HI, The promotional terms are as follows and you can please refer to the attached terms o qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Upgrade states on their response to my complaint an Upgrade Card with a personal line of credit If you look at their terms and conditions it doesn't mention that you have to establish a personal line of credit. They just mention on their official terms that you can get the bonus by opening a rewards checking account and make 3 debit card transaction within 60 days of the Upgrade card account opening which I did. There is no mention on their terms that a personal line of credit has to be opened to get the bonus. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: STATE EMPLOYEES CREDIT UNION (NC)

On  XXXX  approximately  XXXX  I call  one of the  local branches in my ar ea (   XXXX   XXXX   XXXX   XXXX   ,  NC  XXXX   XXXX  and asked about how to open a checking account. The CSR advised me of the documents I will need and if I knew anyone associated family member/friend with this company. I advised my father has an account with them and she stated that was good enough. I then ask if I needed any documents stating that he was my father or verify that he has an account and does it matter if we have different last names. She stated all I needed was his name but if I had his account info that would help as well but the name would be fine. I then went to the branch around  XXXX  the same day and request to open an account. The rep ask what qualifies me to open this account. I advised my father and boyfriend has an account and after she viewed my ID she noticed my father and I do not have the same last name and that I would need to provide a birth certificate to prove he is my father and my boyfriend and I will have to have the same address on out ID 's. Now I do understand there are security measures to be taken but I do n't like the idea that I was misinformed and wasted time from work running up to the branch to open an account that I could not.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have been trying to file a dispute with Experian regarding an inaccurate item on my credit report, but Experian will not accept the dispute saying it was previously disputed. I tried to upload additional documents to support my dispute, but their system keeps giving me errors, although it is the correct document format. I have had this issue with Experian time and time again. 
The item I am trying to dispute is the following : XXXX XXXX XXXX, Acct # XXXX ... 
This account is being reported inaccurately by XXXX on my credit report as a foreclosure or shortsale. This was a forgiven debt by XXXX in which they forgave the debt in a settlement with the DOJ. 
Experian needs to allow me to dispute this item, and they need to fix their website so that I can upload additional supporting documentation
Consumer complaint received 2022-11-08
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: LEXISNEXIS (NJ)

To Whom It May Concern, I am requesting a Security Freeze be placed on my Consumer Disclosure report. I opt out of you disclosing future information until further notice including the XXXX report and other reports furnished LexisNexis regarding all personal information of mine. This Security Freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift the restriction. Under the Fair Credit Report Act youre required to comply.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XXXX or XXXX, so this is why I do not have any receipt to show my zero balance because I was not aware they would just not in XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Fed Loan Servicing needs to explain their rationale clearer and with real data and an example as to why XXXX of my past payments on my consolidated student loan that were made monthly are not qualifying payments for PSLF, TEPSLF or Limited PSLF. 

This response is insufficient : " '' As a result, we were advised that the loan did not fulfill the current guidelines of reflecting an eligible repayment schedule for the PSLF program or meeting the timely payment requirements for the TEPSLF program. Therefore, under the current guidelines for these programs, FedLoan Servicing was unable to count these months as qualifying. '' I would like this better explained since I see this as incorrect. I had a Direct Consolidated Loan, made payments, and had a qualifying employer. Under Limited PSLF, full payment is not required, however, payments i made were substantial payments based on my loan cost at the time. My payments of XXXX or more from the ( XXXX ) that are currently ineligible should all count towards the XXXX XXXX.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act the below have have violated my rights, XXXX XXXX  XXXX Account Number # # # # # # 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 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (TN)

Account at Macy 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

ACCOUNT NUMBER XXXX HIGHEST BALANCE {$660.00} CREDITOR INFO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX LAST REPORTED 4 days ago ORIGINAL CREDITOR XXXX XXXX XXXX RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory 1. I have called on XXXX ( XXXX ) separate occasions within the last 60 days to dispute the above report. 
2. This particular collection, however has been removed before only to return again.

3. Transunion is the reporting agency.

4. I telephoned TransunionXXXX  dispute number and on both occasions disputed this debt in its entirety. The debt is not mine. I have no knowledge of it nor did I visit the emergency room during this time period in any case.
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NJ)

We decided to refinance our home with Chase Bank in XXXX 2016. We still have yet to close on our refinance. We were immediately approved and submitted all info numerous times. Chase representatives repeatedly forgot to do things they were supposed to do. They did n't submit the request for tax returns on time. They did no send for IRS transcripts on time. On numerous occasions we were told that underwriting had our paperwork, when in fact they never did. They pulled our credit report numerous times because over the length of the refinance the score kept expiring, therefore we have multiple hits on our credit. The same went for income documentation because of the length of time it took to close. My employer received numerous calls to verify my employment. To the point where HR could n't understand that it was still going on. I called Chase Corporate of NY and they would not help, instead they kept transferring me back to the branch I was already having problems with. Our loan rep would ignore my husband 's calls, yet answer when he would call from another line. He would answer my calls with an attitude. No hello or greeting from Chase Bank at all. In XXXX we were told that our loan was being fast tracked, it is now XXXX and we are still waiting, 7 months later. Loan commitments were dated incorrectly or had information wrong, even thru XXXX. On XXXX XXXX, our loan guy said we could close the XXXX, XXXX, or XXXX. I picked the XXXX to only have us receive a call that we were not closing. I only received a phone call from the loan processor in Ohio on XXXX XXXX telling me that we were closing on XXXX XXXX, confirmed at XXXX at our home. Around XXXX on the XXXX we received a call that the appointment was being pushed back till XXXX because documents from Chase still were n't received. Around XXXX we received a call that we were no longer closing because Chase still did n't submit paperwork to a closer, therefore no one was assigned to the case. My husband canceled work in order to be home for a closing that never took place. Now he 's out wages over this. I managed to have a baby and go back to work, and we 're still dealing with this. No one at Chase seems to care enough to help at all.
Consumer complaint received 2022-07-20
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: WELLS FARGO & COMPANY (NJ)

The merchant : WELLS FARGO CARD SERVICE XXXX This account was an account I held jointly with my former wife, XXXX XXXX XXXX XXXX who is now deceased. She was responsible for maintaining this account for use with her small business. This account should not be on my credit report and I should not be held accountable for the delay in payment. During this time, XXXX XXXX fought XXXX XXXX until her demise on XX/XX/2019 and had difficulty keeping up with tasks such as paying bills and tending to her business.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (NY)

I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). 
experian and equifax have not responded and they haven't removed this fraudulent account. i filled out a ftc report for this account and they still ignore me. 
pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed to do anything for two months in a row. 
thats against the law and its been more than 30 days since my last letter on XX/XX/2022 Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, XXXX is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. 

XXXX and equifax are breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws
Consumer complaint received 2022-09-10
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX Bank : Account number XXXX Credit Account XXXX XXXX  : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2017-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC (OH)

I have received numerous calls over the last year from a company called Cedar Financial. They state I have a debt with XXXX XXXX Bank and I have no knowledge of this debt nor this bank. They have added a debt in the amount of {$12000.00} from this XXXX XXXX Bank on to my credit report without any poof! They need to stop contacting me and remove this debt as it is NOT valid.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XXXX Transfer my loan to SLS. SLS does not acknowledge my XX/XX/XXXX payment, I did make my XX/XX/XXXX payment and I have not received any statements since XX/XX/2016. Similar situation happen when XXXX transfer my mortgage to XXXX, and that episode ended in a fraudulent foreclosure.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/16 a charge of {$720.00} was processed on my XXXX card by XXXX XXXX. This charge was totally illegal since I have no contract with XXXX and they did not have my permission to use my card. I disputed the charge to Chase Bank, but they denied me a refund, saying that the debt to XXXX XXXX was legitimate. I appealed it and they again denied me. 

This is the situation. My employee 's mother had a contract with XXXX XXXX. Her daughter works for me in my small business. Since XXXX of them do n't have checking accounts or credit cards my employee would often ask me if I would pay bills over the phone with my credit card and then she would reimburse me with cash. I had no objection to do this since it made things much more convenient for my employee and there should have been no risk on my part. Every time it was used, either I called it in personally or my employee called with me next to her. She never had my credit card info to use on her own. The credit card was never on automatic payment with XXXX nor was the card ever out of my sight. The last payment I made was on XXXX/XXXX/16. Then four months later, on XXXX/XXXX/16 XXXX XXXX retrieved my credit card info from their old records and used it to charge the incredibly large amount of {$720.00} without my permission to satisfy a debt my employees mother allegedly incurred. 

Apparently, both XXXX and Chase have made the incorrect assumption that since I used my card to make some prior payments for someone else, I forever have assumed all current and future liability for that person 's account with XXXX. That assumption is legally incorrect and I implored Chase to process a chargeback for {$720.00}. There is nothing in their cardmember agreement or civil law that backs up XXXX XXXX 's actions. I am not disputing whether or not the monies are owed by my employees mother or not but rather that they are billing me since it is not my liability. Since my exposure is to my credit card bank and I have no relationship with XXXX, Chase bank is the only party I can pursue. I feel XXXX giant conglomerates are in collusion to take my money even though I have no legal obligation to XXXX. I probably will never be able to collect that money from my employees mother. This is a case of being powerless to big business.
Consumer complaint received 2022-09-10
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. (TX)

I pull my credit report and saw that I had some accounts that wasnt mine.XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX date open XXXX XXXX  account number XXXX date open XXXX file a identity theft report with my official statement.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

ERC, a collection agency, is alleging I owe {$560.00} for a delinquent XXXX XXXX XXXX  account. I have never had an XXXX XXXX XXXX account. In addition, I have never received any statements from XXXX XXXX XXXX, nor any past due statements. According to XXXX XXXX XXXX it's a valid account number. I filed a complaint with XXXX XXXX XXXX XXXX fraud department. They responded with, " XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. '' I disputed the bill with ERC and received a " statement '' that showed the amount due, {$560.00}. However, it showed no details about what constitutes that amount, nor any information about when the charges incurred.
Consumer complaint received 2022-09-10
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: Self Financial Inc. (WI)

Self reports late payments on mr credit report but with another person social security number. I called so they can remove the information off my credit report since its not me they told me no. I gave them my information and they verified it doesnt match the account information, so why put it on my credit account