davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc. (OR)

I tried to sign up for the MoneyLion product three weeks ago and it has been plagued with time out errors since. First they said they couldn't verify my identity with XXXXXXXX  but nowhere did I ever receive a proper FCRA compliant request for an authorization to pull my report. This wasn't an outright denial it was weeks of yanking my chain until finally I pulled every report I could think of and found that they did a soft pull of data using XXXX XXXX and XXXX  which they are claiming is " public data. '' I don't want the account now. I want all my financial information removed from their system. You should go audit these folks thoroughly for XXXX, XXXX and XXXX violations : among the risk factors that were evident that I could see in the process : Reputational : Willing to lie to a customer and risk the charter of their partner bank ( XXXX XXXX Bank ) to avoid the fact their product has errors. 

Operational : When a clear breakdown is brought to their attention - the absence of a in flight review and override process to timely review and correct does not exist Compliance. The account opening process is automated and lacks adequate quality controls to ensure that an actor with sufficient technological skill couldn't inject into the process. Staff do not possess adequate financial background to converse with the diversity of the customer base to discern the difference between a risk and a process failure resulting in a unhappy customer. 

As a disabled person who is putting their life back from a series of events this an event that I did not need. I could see this actually being far worse if I were not a former bank risk management officer.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this XXXX have on my XXXX XXXX and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they XXXX have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX  and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you XXXX be able to provide.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Submitted multiple investigation requests to the CRA on XX/XX/2021, XX/XX/2021 with subsequent complaint to CFPB - complaint # XXXX. 

It is my understanding that as a consumer, I have a right to complete and accurate information reported on my credit file. It is also my understanding that the credit reporting agency ( Transunion ), by law, must investigate and update with complete information or delete the item from my file. 

Transunion has not properly investigated my dispute. They have not accurately updated my consumeer report, nor have they removed the item that they could not verify. 

The CRA/Transunion is reporting an inaccurate " current status '' of " Charged off as bad debt ''. The report shows a 7 year period with no late payments. My Transunion report has reflected this unresolved discrepancy for several months with no resolution afforded to me by the Fair Credit Reporting Act.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (UT)

I had inquired about an auto loan through XXXX XXXX XXXX XXXX to run a credit check however there are multiple other inquiries as listed 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 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 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi closed my BrandSource store credit card without notice or my request while still having an outstanding balance. I would like the account to be reopened so that I can continue to use the card. When I called Citi they could not explain why it was closed and i received no notice of closure by the card issuer.
Consumer complaint received 2020-12-03
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)

I have filed numerous disputes with Experian regarding incorrect information on my credit report on an account I closed with a XXXX balance and the merchant keeps continuing to report it as 30 days late months after the account was closed. I've also requested debt validation from the XXXX XXXXXX/XX/XXXX which they failed to provide me with. Enclosed are my bank statements along with my credit report that shows there was no balance on the credit card. I've also enclosed a past statement where I made two payments in one month and was still charged a late fee because they held my payment for 11 days. The company refunded it as it was their mistake. However, I've had to dispute them on six different occasions the last being another 30 day late FIVE months after the account was closed. I've also sent XXXX XX/XX/XXXX all my bank statements when I last requested debt validation on XX/XX/2020. I also requested debt validation on XX/XX/2020.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was transferred from XXXX to Nationstar/Mr. Cooper effective XX/XX/2018. At the time of the transfer, XXXX was processing three insurance claim checks totaling {$26000.00}. The checks were for water damage repairs sustained at my house on XX/XX/2018. I had provided XXXX with all documentation necessary to release the funds to me, but the checks were not processed in time prior to the transfer ( it was still within XXXX 's 3-5 business day processing window ). 

Since the transfer of my mortgage on XX/XX/XXXX ( nearly two months ago ), Nationstar has failed to release these funds to me. Both my contractor and I have called Nationstar over a dozen times in the last two months to determine why the funds have not been released and we keep receiving different answers. We have been told numerous times that they have all documentation necessary to release the funds, but only to be told more documentation is necessary. Most recently, I was told on Monday, XX/XX/XXXX they needed a signed contract from me and my contractor, although they already had the signed contract on file. Nationstar also confirmed at that time that no further documentation was necessary. Today, XX/XX/XXXX, Nationstar has now informed they need another XXXX provided by my contractor even though they acknowledge they already have a signed copy of the XXXX in their files. The endless requests for documentation ( which they already have ) have caused numerous delays in receiving these funds. Nationstar 's refusal or gross negligence in handling this claim is causing my contractor to be unable to pay his own bills and payroll and to threaten legal action against me for nonpayment. 

In conjunction with the handling of my insurance claim, Nationstar has mishandled both of my mortgage payments in the first two months they have held the loan. As of XX/XX/2018, my account is showing past due even though I have provided full payment for each month timely. They have explained to me the error was caused by applying the funds as additional principal instead of to interest and principal. Please note that I had set up and authorized these payments pursuant to Nationstar 's own autopayment procedures. 

( Based on the information stated on the CFPB 's website, I do not want to attach any of my documentation through this portal at this time. Nationstar has records of everything pertaining to my file as is. I will be happy to provide loan and claim numbers upon their request directly. )
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I went to XXXX store in XXXX XXXX california on XX/XX/2018. They asked if I wanted 10 % off and a rewards card. I said yes. they said they needed my drivers licence. I gave it to them. THEY RAN MY CREDIT with out my permission. Now I have an inquiry on my credit.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2021-07-15
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: Santander Consumer USA Holdings Inc. (VA)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (MI)

I was laid off in the beginning of COVID 19. I contacted XXXX XXXX around XXXX and agreed to file natural or declared disaster. I was told to return the vehicle and they would close the account and wave the amount still due. Since then, they have not only took my state taxes on a closed account but also posted on my credit that it was a voluntary repo XXXX, and a voluntary surrender XXXX that's not what I agreed to. The balance is wrong. This account was closed XXXX in court. Case # is XXXX. XXXX XXXX has also pulled hard inquiries on my credit without my permission on thse dates XXXX XXXX XXXX, XXXX XXXX, XXXX. This account should've been removed on XX/XX/XXXX per court order. They should not have any access to my report.
Consumer complaint received 2023-03-19
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. (NC)

7 credit inquiries were on my report yesterday, XX/XX/2023 from car dealers. I am not shopping for a car. I want those inquiries removed and a fraud alert for the person trying to get a car in my name. Transunion said I need to file this report to get them removed. Thank you.
Consumer complaint received 2023-03-19
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. (GA)

According to 15 USC 1681 ( A ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX dollars per violation. 
I also want the fraudulent accounts reported on my credit profile to be removed immediately.
Consumer complaint received 2022-12-28
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1500.00} 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXXXXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX Balance : {$1100.00} XXXXXXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (FL)

I don't believe I had a credit card that they are claiming I had, it was XXXX XXXX from XX/XX/XXXX so they say. They keep calling repeatly threatening me that they are coming to my home, using abusive language and swear words. They will not stop calling, they use different numbers, some with my area code which leads me to believe that someone local is calling me. I am on disabliltiy. A small check to barely get by on. I am a nervous wreck. The last lady show called from XXXX said I was a XXXX and some other very gross things I cant repeat. 
Below you will find they numbers they call from. 
XXXX unknown XXXX XXXX they call on both my home and cell phone they are very threatening. 

My phone numbers are XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (CA)

Hi, On XX/XX/2018, I initiated a transfer through XXXX online in the amount of {$2700.00} ( {$2600.00} + XXXX fees ) to XXXX XXXX in XXXX, Canada through electronic payment from my bank account. On XX/XX/2018 ( next day ), XXXX notified me that transfer could not go through for security reasons and transaction would be cancelled. An email confirmation of cancellation was dated XX/XX/2018 was sent by XXXX. Since the funds were not deducted yet on my bank account, and to avoid having the money deducted from my account erroneously, and waiting for a refund to take place later, I placed stop payment orders with my bank for XXXX On XX/XX/2018, I received a notification from my bank that they stopped the payment on XX/XX/2018, which I assume was a late processing by XXXX website. On XX/XX/2018 I received a debt collection notice by mail from XXXX XXXX   XXXX XXXX XXXX notifying me that I still owe this transfer amount to XXXX. I contacted XXXX customer service on XX/XX/2018 and was notified that my transfer was cancelled since XX/XX/2018, and that they never referred me to a debt collection agency since my account is closed already. XXXX advised me to never pay XXXX XXXX XXXX as it is a scam. I believe I am a victim of fraud here by this collection agency, and I am concerned that they might further hurt my credit or chase me to collect this amount.
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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