davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (FL)

I used my MoneyLion account to purchase product from XXXX XXXX XX/XX/XXXX. There were two separate purchases, one for {$69.00} and one for {$630.00}. The merchandise was returned as it was not the correct product needed and had protection on the items. The items were successfully returned on XX/XX/XXXX and XXXX XXXX provided a refund to my account with the return/credit transaction receipt pictures for MoneyLion. XXXX XXXX COMBINED my return for a total of {$700.00} to be credited back to my card ending in XXXX. XXXX XXXX stated this should take 3-5 business days depending on my bank to receive the funds. By XXXX, I still had not received funds to my MoneyLion account for the returns. I was advised by MoneyLion to file a dispute. I filed dispute XXXX. Finally, on XX/XX/XXXX I was provided a provisional credit for both disputes. On XX/XX/XXXX MoneyLion sent a generic message stating : We have thoroughly investigated your claim and determined that no error has occurred. We have come to this conclusion because : The transaction ( s ) were completed by the authorized user. You are solely responsible for the use of your account. This includes all charges and transactions made by an authorized user and any fees resulting from their actions. The provisional credit that was previously applied to your account will be adjusted. An amount of {$69.00} will be reversed on XX/XX/XXXX. 
my MoneyLion account for the returns. I was advised by MoneyLion to file a dispute. I filed dispute XXXX. Finally, on XX/XX/XXXX I was provided a provisional credit for both disputes. On XX/XX/XXXX MoneyLion sent a generic message stating : We have thoroughly investigated your claim and determined that no error has occurred. We have come to this conclusion because : The transaction ( s ) were completed by the authorized user. You are solely responsible for the use of your account. This includes all charges and transactions made by an authorized user and any fees resulting from their actions. The provisional credit that was previously applied to your account will be adjusted. An amount of {$69.00} will be reversed on XX/XX/XXXX. Please take the necessary steps to ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you plan to make. Moneylion is not to touch my account or remove any provisional funds from the account regarding the disputed transactions. I emailed them back letting them know they are to leave my account alone and have 1 person reach out to me about this. Unfortunately, filing disputes with Moneylion is awful. 

They went ahead anyways after being reported to XXXX  accreditation and reversed the {$69.00} amount and this account is now negative. MoneyLion is literally stealing money from me - I will not allow this.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-23
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc (NH)

I have had the same phone number since 2007, and have been " Removed From Lists '' over a dozen times for the debt of someone named " XXXX XXXX '' who I've never met. I have made every reasonable attempt to get off these lists and requested proof that there ever was someone by that name who EVER had the phone number. I have received nothing in reply to these requests. Spam text messages from multiple phone numbers and regular calls from similarly various phone numbers continue to this day. 

The firm is Tate & Kirlin Associates , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

A fraudulent account was opened in my name XXXX XXXX. I became aware of the debt on my credit Early XXXX. I have contacted XXXX 10x.  Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. XXXX has not sent proof that the debt belongs to me. In XXXX I called Equifax fraud department to dispute the validity of the debt on my credit. The Equifax fraud representative has called XXXX on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XXXX/XXXX/XXXX I once again called XXXX I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. XXXX refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by XXXX to verify my identity.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

Credit card application was without my consent. 
I went to the dental clinic and didnt even get any treatment from them but 2 weeks later I received a credit card which I didnt consent to get. 
Please remove the account from my credit report and close my account immediately!
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I 've contacted XXXX & Transunion on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX XXXX came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote XXXX & Transunion asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from XXXX or Transunion even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make Transunion and XXXX  stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. XXXX a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal XXXX XXXX and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the fair credit reporting act.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK (NY)

I do no even know or heard of such company and not even sure they're licensed to operate in new york. I am a Victim of Identity Theft ; amongst other Millions of Citizens of The United States of America!

In accordance with the Fair Credit Reporting act. The List of accounts and companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACHIEVE PERSONAL LOANS has violated my rights and keep violating them. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

" I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Wednesday XX/XX/XXXX I contacted Capital One regarding my deposit not being posted to my account. The only thing I was told was to check back after XXXX XXXX  Eastern time and my deposit should be there. If not to call back. I then called back XXXX EST and now they are saying my deposit should be there by end of business day, but they're not giving us a response on what exactly is causing this issue with accounts.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Subject : Reinsertion of account back on my credit report. 
I have submitted an dispute on XX/XX/XXXX to Experian regarding an account being reported on my credit file. I asked for verification of the debt according to the FCRA, FTC and the USC laws to send any documents pertaining to the below listed account. This account is not reporting accurate on my credit report. I have filed an Identity theft report along with a police report number sent via CFPC. I requested documents i.e., statements, application or anything with my signature verifying the accuracy of these accounts. This account have been deleted and reinserted back on my credit report. I have not received any documents after the 30 days dispute nor have I not been notified of it was going to be put back on my account 5 days prior or 5 days after which is a violation of the USC 611 laws. This has done great harm to my credit report and potential purchase of a new home i.e. mortgage loan loss. 
XXXX XX/XX/XXXX XXXX I am including the original documentation of the original disputes and an updated copy of my FTC complaint.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (NC)

Hunter Warfield are illegally reporting derogatory information regarding an apartment collection in the amount of {$5900.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with Hunter Warfield, nor have I provided any form of identification that would permit them to legally report such information. Despite multiple requests, Hunter Warfield has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In light of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against Hunter Warfield. Furthermore, I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. Hunter Warfield failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I requested documentation showing proof of transaction that I was ever late. FCRA allows 30 days for this to be rectified, your bureau has failed to supply documentation. Please remove inaccurate information and update my account.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Goal Structured Solutions, LLC (FL)

I am writing to formally dispute the late payment fee and any associated penalties or negative credit reporting on my account mentioned above. Specifically, I am invoking my rights under 15 U.S.C. 1666c, which clearly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made by the due date or if it was received within any grace period provided. 
On [ Insert Date ], I submitted a payment for my credit card account, and I believe it was processed on time. Based on my understanding of the federal law and the evidence I have, this payment should not have been recorded as late. 
In light of the aforementioned statute, I request that the following actions be taken : 1. The removal of any late fees and penalties applied to my account for this alleged late payment. 
2. The correction of any adverse information reported to credit bureaus in relation to this incident.

3. Written confirmation that my account has been updated and no further action will be taken against me for this dispute.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I switched to XXXX and received a {$2400.00} rebate through a paper check as part of XXXX  rebate program. The rebate check was issued by XXXX XXXX XXXX XXXX XXXX, a partner of XXXX based in Texas. I deposited this check via the Chase Mobile App, and the check was cashed by Chase on XX/XX/year>. However, Chase has not released the funds to me. 

On XX/XX/year>, Chase suspended my checking account, citing issues with verifying the check makers phone number. Despite providing two different phone numbers associated with XXXX XXXX XXXX for their Customer Service Center and another for their internal officeChase claimed that these numbers do not match their internal records. They informed me that they will close my account and continue to hold my {$2400.00} check until I personally provide a phone number that matches what they have on their system.

Problems Encountered : 1. Account Suspension and Fund Withholding : Chase suspended my account and is withholding {$2400.00} that I deposited via their mobile app without valid justification. The funds have already been cashed by Chase, but they refuse to release them. 
2. Unreasonable Verification Requirements : Chase is demanding that I provide a phone number they can verify, but the two numbers I provided ( XXXX XXXX XXXX Customer Service and internal office numbers ) were rejected because they supposedly do not match Chases internal records. 
3. Account Closure Threat : Chase has stated they will close my account unless I provide a phone number they can verify. This leaves me unable to access my funds or my account, and I am being forced to chase information that I have no access to. 
4. Lack of Assistance and Communication : Chase has not provided any clear guidance on how to resolve this issue or any specific information about what verification they need, leaving me at a standstill with my funds locked and my account at risk of closure.
Consumer complaint received 2024-09-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

Activated my {$500.00} gift card today and set a pin # however the card will not work for online purchases. I tried to call the gift card company and verified the balance however no option to talk to them.
Consumer complaint received 2017-12-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

After we bought homeowners insurance from XXXX XXXX XXXX. On XX/XX/XXXX we had our agent Notice our mortgage co of same. XXXX refused or neglected to accept our regular mailed notices from our agent and from ourselves to three different XXXX offices in MN., IN. and Texas so we finally sent notice by registered mail which they accepted in XX/XX/XXXX but not before they bought a property loss policy with coverage to under {$400000.00} while our mortgage was over {$850000.00}. We could not understand why they would buy such low coverage. 
Now we think we know. 
By XX/XX/XXXX we increased our coverage to over XXXX XXXX including our personal property and told XXXX to obtain a refund from their insurance co. and credit our escrow tax & insurance set aside for {$2400.00}. They admit in letter attached on XX/XX/XXXX they had made a mistake and should have credited our escrow account since XX/XX/XXXX but as of XX/XX/XXXX see attached letter from XXXX they had refused to do so even though we had sent 8 letters and email since XX/XX/XXXX - XX/XX/XXXX. giving notice and requesting credit back into our escrow account. 

The XX/XX/XXXX letter gives us NOTICE OF FORECLOSURE if we do not pay an additional {$2700.00}. into our escrow account to pay our property taxes. We will pay this demand for {$2700.00} under duress even though according to our accounts have {$1900.00} plus the " lost '' {$2400.00} or only short {$100.00}. to pay out tax bill first installment. 

We believe elderly property owners such as us who have a huge equity position in our property are targets for a foreclosure proceeding and that is why XXXX bought such low coverage. On XX/XX/XXXX our home and personal property was completely lost in the XXXX XXXX XXXX in XXXX Ca. Had we not asked XXXX to cancel it 's {$400000.00} policy we would now be forced into foreclosure and possibly bankruptcy. 

We believe XXXX 's policy of buying under coverage policies for high equity properties and rushing to pay for insurance and taxes months before the bills are due is a policy with criminal intent and by delaying or neglecting to restore escrow accounts appears to be fraudulent at best. 

The actions of XXXX has caused my wife and me many sleepless nights and hours of phone calls & letters without end. We as older folks are sometimes subject to these kinds of threats which cause great pain and suffering. We hope you can bring the law to bear on this firm.. 
XXXX & XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

This Bankruptcy accountis being reported on my credit report as if they are the furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file U.S. Bankruptcy CourXXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/.