davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NY)

I have tried to pay off the loan multiple times but the Advocacy Team Has not been responding to any emails or phone calls. The representatives have tried to get through with Moneylion advocacy team but they are not responding. I have taken ownership of the account and willing to pay the balance off. I have also been locked out the account and it has been suspended so I am unable to make any payments. XXXX XXXX XXXX of the advocacy team members has stopped responding to emails.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OK)

On or about XX/XX/ we recieved a letter from truist mortage saying that they had bought our loan from plant homes. The letter came a month or so after payment was due never knowing the loan was bought out they said we where a month behind, they sent packets 4 times which we filled out 4 times asking if we could defer the one loan payment until the end of the note and set up direct withdraw and nobody will get back to help us.. its ruining my credit it wasnt proper communicated to us because notification was over a month late. Their failure to communicate with us shouldnt make it a emergancy on our end.. please call
Consumer complaint received 2023-09-14
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 & XX/XX/2023 XXXX ran two hard inquiry on my personal credit report with XXXX. The account that I was opening was for my business. I provided my business 's XXXX number. The inquires should not have been run on my personal credit file, only on my business.
Consumer complaint received 2023-03-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXXXXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXXXXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

In XXXX, XXXX I returned clothes to XXXX that I had charged to my XXXX  comenity card. On XX/XX/XXXX I received an email from XXXX  confirming the return but it only acknowledged half of the items Id returned. The credit was supposed to appear on my statement in 14 days. I never received that credit. I continued to get statements with no credits for my return. I spoke with XXXX  and comenity many times on the phone, wasting hours and hours of my life. Also hours wasted messaging them through their message portal. I emailed XXXX  and Comenity XX/XX/XXXX disputing my entire balance and attached all documentation. They never investigated a thing. 
Attached is their return confirmation email, which was insufficient and never credited. Attached is also all other documentation supporting my return of items that appeared on two packing slips, of which XXXX had previously only acknowledged receiving the items listed on 1 of the 2 packing slips. Comenity is continuing to report my account as delinquent to the credit bureaus, ruining my credit and my good name. Collections is still calling and harassing me daily. I do not answer their calls. I reported all of this to the XXXX  also, to which Comenity responded that they would research it in the next 30 days. Comenity never even bothered to research the documentation THEY sent ME, which is on my account in THEIR system, and theyve had since XXXX to do that. It was XX/XX/XXXX that I first complained about never getting credit for my return and that the return they acknowledged was only for half of what Id returned in XXXX. 

Comenity has no remorse for abusing and harassing me for monies I do not owe, nor for ruining my credit. Comenity is apparently stalling resolving this issue and restoring my good credit. It appears to me that they intend to never investigate and to never correct their egregious errors! They have no empathy for the damage they are causing to my good credit nor the mental anguish this is causing me. They continue to ask for MORE TIME to investigate! I find this infuriatingly unreasonable. 

I believe Comenity should, in addition to marking the fake debt paid in full and on time, pay me
Consumer complaint received 2023-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

Hi I closed my checking account with Chime in XX/XX/2022 and I havent yet received my 1099 form for filing taxes yet I have been emailing them endlessly and every time a new customer service representative comes and give the same response that you should have receive the form by XXXX but I havent yet got the document yet I have also provided them my address proof to mail the document asap but again there is no sync with them and they are not able to provide any estimate when I would get my 1099 for tax filing. Very frustrating and bad customer service Hence I request you to help me get my 1099 form asap since deadline is nearing
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

I called this midland credit to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.
Consumer complaint received 2023-09-14
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2023-03-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One to transfer my CD to my savings account and the representative on the phone said to me that I had closed the Capital One CD account. I told the rep that I never closed the CD account. I spoke to 3 different representatives on the phone on the same day. This is where I was informed that Capital One closed the CD account in XX/XX/2020. The representative said that they sent a notice about the closure and I clarified to Capital One that I never received any correspondences in the mail that my CD account was closing. Capital One said that they closed my CD because it was an old account and that they transferred the money into my savings account. I want to get the documentation that my money was transferred from x account to x account. The amount that I had in the Capital One CD is {$15000.00}. I want to get all the Capital One Certificate of Deposit statements from XXXX. All the notices that I should have gotten during renewals. I recall my renewal was every 7 months.
Consumer complaint received 2023-01-12
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: DISCOVER BANK (NY)

Discover Card XXXX to XX/XX/2022 about {XXXX} on one card Discover Card XXXX to XX/XX/2022 about {XXXX} on another card. 
Disputed then was transfer to Fraud department. They have investigated and denied refund. 


1- XXXX company made 3-6 charges on top of my charge and on days i didn't make charges. ( this is involving 5 of my credit cards that they have maxed out ). I was charge over 130 charges between my credit cards that i didn't authorized.2-I have redemption ( s ) that was canceled by them.3-I have contacted them since learning of the scam/fraudulent charge begin XXXX thru XXXX, XXXX. They have no number only email. Have ask them to fix/investigate and refund. Was told account was compromise at one point. And they will not reimburse, even the won redemption ( s ) as she said someone canceled and use it.4-The company 's business model is a scam and not as what they claim. ( basically they are a casino using the loophole of a sweepstakes company, using unfair practice to change the rtp, XXXX casino misrepresented payouts and odds. They also can change the XXXX  on any specific player. 5-I have disputed and or filed fraud with credit card companies, Most are coming back denying the disputes/fraud. Have told me I will need to go outside of the resources to get any help. I have 2 credit cards with XXXX  that both was maxed out. XXXX have denied the disputes and never provided me any appeal process.I am still dealing with Discover card ( also 2 credit card, maxed out ) and most have been denied on the disputes/fraud.XXXX XXXX has closed my case since XXXXXXXX. I am still trying to reach out to them with regards to the dates shown as account had suspicious activity.
Consumer complaint received 2023-01-12
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 2020-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (CA)

BMO Harris Bank was opening internet accounts in California. I signed up for their Platinum Money Market account and made a {$25000.00} deposit via external transfer. I subsequently made several more external transfer deposits of {$5000.00} each and recently another external transfer deposit of {$15000.00} and never had a problem with deposit transfers. 

Recently I wanted to get {$50000.00} of my money out to make a down payment on a house, and the online site would only allow me to make {$5000.00} daily withdrawals. So I set up a string of daily external transfers of {$5000.00} in late XXXX. It stopped me after five transfers and said I had met my monthly limit, so I set up 5 more for this month and the on line system accepted them and then when I went back as the transfers were not coming through, I found that the transfers had been cancelled for some unknown reason. 

I called customer service, spoke to 4 different people over the course of 1hr and 40 minutes and never got past a supervisor level person, XXXX. I got a lot of conflicting details, but no resolution. I requested to speak to a bank officer as I believe that BMO Harris is not in compliance with FDIC and FTC rules and was denied the opportunity to speak with anyone above a supervisor. 

This BMO Harris Bank needs to be disciplined by the CFPB or FDIC for unfair banking practices.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (DE)

I have complained twice with no relief. The last time, I didn't hear for more than a month, which I thought was the maximum before they had to correct their entry. 

Ther is a bankruptcy reported on my credit reports which are NOT me. I don't know who or how, but it must be removed.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Pursuant to the FCRA, it is EXPERIAN 's grave duty and responsibility to report correct and accurate information on my credit report and file. However, they are not doing so. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. The inaccurate late payments include the reporting of 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish these inaccurate late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY VERY clear that EXPERIAN has violated my rights under the FCRA and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.