davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (AR)

On XX/XX/21, I received an email notification saying You've successfully updated the phone number on your MoneyLion account to XXXX XXXX XXXX XXXX. Thanks for keeping your info up to date. 

If you did not recently update your phone number, please log into the app to change your number or contact us if you need help. 

While youre here, check out MoneyLion perks, like deals in the Rewards tab or 0 % APR XXXX advances in the Finances tab! Open your MoneyLion app. 

I did not setup any such account and the number listed is not my phone number. I then received multiple other emails that said, We received a request to reset your MoneyLion password for the account associated with XXXX. This link will be valid for 24 hours. If you do not want to change your password, you can simply ignore this message. 
If you did not request a password reset, please let us know. 

And another email - Your new MoneyLion Debit Mastercard is on its way. You can check in on the status here anytime. 
And while you wait for your card to arrive, you can start using your virtual card right away. 
Don't forget you've got access to ... 

Im concerned as it is a weekend. I tried to contact the company but due to it being a Sunday they are not available by phone. Money lion states telephone business hours are Monday through Friday XXXX to XXXX. I am extremely concerned that someone is using identity and personal information to start new banking accounts. At this point, I do not see any deductions from my legitimate bank account I use, but I would like to have this resolved prior to any fraudulent charges or funds occur. There are charges on the online card now posting- One for {$1.00} to XXXX and another for {$48.00} to XXXX payments from XXXX XXXX XXXX 
I will contact the company directly as well as soon as they open tomorrow. In the meantime, I would like to alert you of this fraudulent activity so notification occurs as early as possible. Thank You in advance for your help in the matter.
Consumer complaint received 2021-07-14
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. (AR)

XX/XX/2021 I have not received any information about my credit history. I have called several times and can't reach a person about the issue I'm having with Experian. When I log on to the website the following messages is what is displayed : Sorry, we can't show you today 's 3-bureau report.

This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

How can an issue be resolved if I don't even know what the problem is or if I can't even reach an actual person to resolve it. My number is flagged and I get sent to a voice message once I put my social security number in. This is a very disturbing and disrespectful way to treat a 20 year military veteran.
Consumer complaint received 2019-10-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Integrity Funding Ohio, LLC (NC)

On XX/XX/2019 I applied for a tittle loan I received a loan of XXXX but I was unaware that they used my boyfriend income for the loan I field out a application I told them I was unemployed at the time they told me that didn't matter I didn't not know they put me down as reiciveing SSI and ssa I don't receive any of these it was my boyfriend 's information so therefore I believe they misrepresented the loan now I can't get my tittle or tags and insurance for my vechile
Consumer complaint received 2021-08-21
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. (IL)

I am well aware of my rights as a consumer. I've reached out to this company several times regarding incorrect information within my credit file that means that they are reporting inaccurate information, I have no knowledge of these accounts being reported It should be noted to me an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access. but it was done through fraudulent means, it is not a factual record As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify. meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I received a check from a customer for nearly XXXX dollars and Wells Fargo decided that was suspicious somehow and said there was a hold on the funds for nearly two weeks nearly bringing my small business to a standstill. When I asked Wells Fargo for an explanation they wouldnt give me anything besides unusual activity and wouldnt elaborate.
Consumer complaint received 2023-08-22
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. (TN)

In accordance Fair Credit Reporting Act Us bankruptcy tn account reference number XXXX has violated my rights. 
15 U.S.C 1681section 602. A. states I have the right to privacy.

15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

XX/XX/XXXX to XX/XX/XXXX Amounts {$4500.00} The company said they would try to email the wire team to try to get my money back, but I feel the need to complain because they ignored my complain over phone, I told them that I have asked the costumer services more than two times and they never mentioned once about my account safety. For that, I recalled all the things about this fraud.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Hello, this is XXXX XXXX XXXX, currently getting involved in the lease scam. 

I got a contact from XXXX messenger and this is his profile ( 1 ). His name is XXXX XXXX XXXX, and you can find the contact info from the link ( 2 ). 
( 1 ) XXXX XXXX XXXX XXXXXXXX ( 2 ) XXXX XXXX XXXX I also attached the documents that I signed and received as a receipt. 

The reason why I thought it is a scam is because of these reasons. 
1. I called the XXXX apartment ( which they said will be the XXXX apartment, # XXXX XXXX on the XXXX floor ), and was told that they dont do the short-term lease. + They only make a contract in the leasing office, not with the XXXX XXXX office. 
2. According to the XXXX apartment, there is no contract under my name. 
3. I made payments through using XXXX Chase ( XX/XX/XXXX - {$1700.00}, XX/XX/XXXX - {$1700.00}, which is {$3400.00} in total ). It was for the deposit + one month 's rent, and I found that the recipient is XXXX XXXX ( XXXX ), which was an individual but not a leasing office. 
4. According to the receipt I received, it is only said XXXX floor but no ext unit number. 
5. I called XXXX XXXX XXXX phone number, XXXX office number, but all calls were rejected immediately. I was unable to contact them, and when I asked friends to call them, it was all same. 
6. When I went into XXXX and clicked the out links XXXX, XXXX, XXXX, I was routed to itself or to the main page of the social media, not connected to the relevant offices official page. 
7. I try to contact through the mail and XXXX I used, but they dont answer even if they read my messages. 

Due to these, I can not but consider it as a scam, and immediately called and visited Chase. 
I told them that it seems its like a scam, so I would like to cancel my payment ( pending state on my check account, but already money is out ). I was told that they cant cancel the payment but can claim the file. But told that the result will take more than 10 business days and can not guarantee the results. 
+ I was told by Chase that it is beyond their hand and can't help me further. They suggested I report to the police. 

Will there be anything I can do further? I desperately need help to solve this problem, and I would be really glad if I can get help. 
Thanks.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (CA)

On XX/XX/XXXX I received a Square Debit Card ( issued by XXXX XXXX XXXX  in my name that I did not apply for. It appears to be a business debit card and also appears to have my first name on it followed by the word " XXXX ''. I immediately ( XX/XX/XXXX @ XXXX ) contacted the Square XXXX XXXX Customer Service XXXX ( XXXX ) and " XXXX XXXX ( sp ) transferred me to the Banking Department after I explained the issue. I then spoke with " XXXX '' ( sp ) who took the 16 digit card number and said she would send the information to the Fraud Department and also close the account. I asked for confirmation of the closure and/or a letter from the company confirming closure due to fraud and that this account was opened without my knowledge or consent. She told me it is not Square 's policy to reach out to the complainant, which I told her I was not happy about and would be contacting the FTC. I am not comfortable with a company saying they will close a card fraudulently opened in my name without confirmation.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (PA)

Here 's the timeline. 
XXXX : by Goldman Sachs took over the XXXX XXXX cards. 
XX/XX/2022 - Payment was sent in the amount of {$720.00} XX/XX/2022 - Check was cashed by Goldman SA ( Per image of the check when it cleared my back ). 
XX/XX/2022 - A payment was processed on my Card for {$720.00} XX/XX/2022 - Check Payment ( REVERAL ) hit my Card, {$720.00}, and XXXX interest charges of {$3.00} and {$14.00} were added. 
XX/XX/2022 - Called in to XXXX, to figure out what happened. I think a dispute was opened. 
- Later that day, my wife called to check her balance, and it was a - {$720.00}. 
- The issues is that these accounts are unrelated, and her account even had our last name misspelled. They should have never moved any of the payments from one card to another. And no one from my household opened any type of complaint with them.

- I feel that I'm just lucky that this happened to me and my wife, what would have happened if this was a stranger 's account?

- I've been on the phone with them at various times for more than 3 hours, have to explain it again every time I call in.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX, an Incoming Wire of {$3100.00} was sent to my checking account at Truist Bank. This was sent using the historical SunTrust Wire instructions. The Sender ( XXXX XXXX  ) provided Wire Transfer Confirmation showing that the XXXX XXXX was successfully processed on their end on XXXX. 

On XXXX, I went to the Truist Branch in XXXX XXXX and spoke with Branch XXXX XXXX XXXX. I provided him a email from XXXX XXXX containing the {$3100.00} Wire Transfer confirmation on XXXX & he followed up with XXXX XXXX department & told me to check back the following week. 

The following week, I followed up with XXXX and was told that this domestic Wire could take until XX/XX/XXXX to hit my account. I asked him why so long & he said that was what the XXXX dept had told him. I told XXXX that it doesnt make sense for a domestic wire to take more than a week to clear. XXXX told me that there was nothing that he can do. 

I called the Truist Customer Service line & after waiting for 40 minutes on hold, was told that the Customer Service team can not provide information about Wires. I was given the phone number for the Truist XXXX XXXX XXXX when I spoke with the Wires Manager, she told me that she can not provide me any information about my Wire since Customers are not supposed to call the Wire desk. No help whatsoever! 

On XXXX, I went to the Truist Branch in XXXX XXXX, FL. After a XXXX hour Wait in line with other problem-riddled Truist Customers , the Branch Manager called the Truist Wire desk and enquired about the {$3100.00} Wire. After what seemed a half-hearted attempt, The XXXX desk says that it was unable to locate the XXXX & the Branch Manager suggested I make an appointment next weekNothing else she could do! 

At this point 2 weeks have gone by & my {$3100.00} incoming Wire is missing. I dont see anyone accountable/acting responsible to resolve any issues. I Banked withSunTrust for many years & their Bankers were always able to find solutionsbut within a short time after the Truist merger, I am missing money & have no confidence in this Bank.

Very dangerous to have unsupervised kids playing with my Money & no-one accountable to answer where is my {$3100.00} Incoming Wire
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting act and XXXX  Account 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 XXXXXXXX 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 2022-03-27
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. (MI)

Iam a victim of identity theft I have sent ideinty theft reports to XXXX, XXXX, EXPERIAN numerous of times ive sent certfied mail with tracking information I have disputed multiple times I have called multiple times An they still haven't removed the items off my report it has destroyed my life they continue to place the items into dispute instead of follo6w the FCRA Iam contacting a lawyer to file a lawsuit against all of them my information has been compromised on XXXX credit breach they have done nothing! I have submitted the identity theft multiple times I have asked multiple times to block the Information they told me they don't do that due to the FCRA they had 4 days to remove the items yet they put the items into disputes with no justice I have had my checks garnished because of these issues iam now contacting a lawyer to be compensated
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I obtained a mortgage from XXXX XXXX in XXXX of XXXX. My loan was sold to PHH Mortgage in XXXX of XXXX to begin servicing XX/XX/XXXX. I have always made my payments online every month with XXXX XXXX without being charged any " convenience fees '', however, PHH is charging me a {$7.00} " processing '' fee to make my payment online or over the phone. The only way to avoid this fee is to 1 ) mail them a check or 2 ) set up auto debit ( ACH ) from my bank account ( which is exactly the same thing as paying online because my bank routing and account numbers are used for both so it makes no sense ). Basically, they bullied me into setting up my payments on Auto Draft, which I am not comfortable doing because : 1 ) I am straight commission and like to budget and pay as commissions are paid 2 ) I am afraid the draft might not pull due to computer glitch and 3 ) I don't want to pay {$50.00} for an overdraft fee to the mortgage company or my bank if my commissions are paid a few days later than the auto draft. I should have the right to pay my mortgage payment the way I choose without being charged. I called PHH on XX/XX/XXXX to complain. I told them that it was not my choice for my loan to be sold to them and I should not have to " pay '' to " pay '' my mortgage payment on my due date. They told me that the payments go through " XXXX XXXX '', who charges them. I expressed to them that they chose to partner with XXXX  and they should absorb the costs because a mortgage servicer 's responsibility is for the day to day management of my mortgage, which includes the collecting and crediting of my monthly loan payments. That's how they make their money. They shouldn't contract with XXXX XXXX if it dips into their profits. Also, I am concerned because the terms and conditions of my loan should not change and they did with this fee. My old lender did not charge a convenience fee to pay and since it was never disclosed in my original loan papers, they should not be able to do it. Furthermore, in my opinion, these " convenience '' fees are the same as " finance charges '' which changes my Truth in Lending APR. I feel like this is a direct violation of my mortgage agreement. I didn't choose to have my loan sold to PHH so it's only fair that I should not incur any extra fees. Thank you.
Consumer complaint received 2022-05-03
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)

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 USC 1681.

15 U.S.C 1681 section 602. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 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
Consumer complaint received 2023-08-01
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Moore Law Group (CA)

During the first week of XXXX my husband and I began application to refinance our home. On XX/XX/XXXX the title company found that there was a lien attached to our home. We did not know of this lien until XX/XX/XXXX. XXXX had sold the loan to the Moore Law Group in XXXX XXXX California. Moore Law group filed a lien on our home XX/XX/XXXX. My husband and I filed for bankruptcy on XX/XX/XXXX. When we looked over the paperwork regarding bankruptcy the Moore Law Group was included along with XXXX and XXXX. We began phone calls to XXXX on the XXXX they gave us to the Moore Law Group who told us they sold it to XXXX XXXX  XXXX. We phoned the number they gave us and they were no longer in business. We phoned XXXX once again. After many transfers and I had to repeat my social security number to the same person 5 times I became very skeptical. They told us we would have to use mail as there were no email or fax machines. We told them we were applying for a loan and dont have that amount of time. On Tuesday XX/XX/XXXX we began again with XXXX and after many transfers from XXXX to XXXX then back again to XXXX we reached a XXXX!! She said she would contact the Moore Law Group for a XXXX demand letter, she said she saw our bankruptcy and there was XXXX balance. On XXXX XXXX we contacted the Moore Law Group for XXXX demand and received a notice that we owed XXXX then they would release the lien. On Friday XX/XX/XXXX I emailed a settlement request for XXXX. For them to remove the lien.