davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (VA)

On XX/XX/23 I applied for a loan with One Main Financial, initially through a link on XXXX XXXX. Nothing on One Main 's results on XXXX XXXX said that the loan was a secured loan. The button I clicked, in fact, said " Take this offer ''. I clicked it after reviewing the terms of the offer. Nowhere did it say this was a secured loan, and in fact, other offering below the One Main offers were clear that they were secured loans. 

Since I was " taking the offer '', I clicked to accept the terms and authorize a credit check. The response was " you're approved '' and this was on One Main 's site. Nothing to indicate that this was for a secured loan. I filled out some information for open an account with One Main and then they asked for my car insurance and car ownership documentation. Although there was still nothing from One Main to indicate that this was a secured loan, I was suspicious. I called One Main and waited on hold for 45 minutes. Their person- on a recorded line they said- told me that I was not approved for an unsecured loan, but for a secured loan. I asked if they had done a hard credit check. He said yes. I advised him I was making this complaint. 

My complaint is this : This practice is bait and switch. One Main offered me a loan, presented the interest rate, the term, and the monthly payments and made no mention of the " secured '' nature of the loan- in fact never did until the male customer service person told me about it. Their acceptance button said " take this offer ''. Even in their Document Verification screen, in which they asked for pay stubs, and the car registration and insurance information, made no mention of the secured nature of the loan. 

At the very least, this is a sleazy business practice, but it also rises, in my opinion, to bait and switch, and possibly misrepresentation. 

Second, I applied for, and was approved, for a {$2000.00} loan. Yet, the confirming email from One Main states, in the fine print, that the minimum loan for Virginia residents is {$2600.00}. That confirming email did not appear until after the application. So they offered me a {$2000.00} when they knew, or ought to have known, that even if approved, the minimum must be {$2600.00}. [ Screenshot attached ] What explains why they would offer a {$2000.00} loan and then state a {$2600.00} minimum?
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MI)

Were currently reviewing your account- we may reduce your credit limit. 







What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction. 



What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$1900.00} within three days of receiving this email. 



Make a Payment Heres how you can make a payment Log into your account to make a payment online. 
Call us at the number on the back of your Card. 
Make a payment through your Amex App. If you dont have the app, you can easily download it now. 


Download the Amex App Something to keep in mind Until the review is complete or a payment is made, you and any Additional Card Membe

rs may experience temporary disruptions to your spending. Were here for you If you have any questions, feel free to chat with u
s online or in your Amex App, or give us a call at the number on the back of your Card. Were here for you XXXX.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On Tuesday XX/XX/2023 I received a call from a man that identified himself as XXXX from Wells Fargo. He told me I had some suspicious activity on my account. He called from a number that is the common number called for Wells Fargo assistance. He asked me if I was in XXXX because that is where the suspicious activity was taking place. I told him NO. He asked me to authenticate my identity through sending texts and providing the code back to them just like Wells Customer Service requested from me the next day. He then said they were attempting to wire money out of the account. He put me on hold a number of times and then told me the wire had gone through. He said he was escalating it and it would be resolved and returned to me in 24 hours. At no time did I provide him any confidential information. He did ask if the last 4 of my SS XXXX was XXXX but I never volunteered any information nor provided my username or password. When I called WF the following day they had no record of the 'fraud '. When I reported it to WF fraud they took my info and said I would hear something in a week or so and also said there was a 95+ % chance the money would be returned to me. When I did call on Friday XX/XX/XXXX I was told that they traced it to a bank and the money was not there so the case was closed. Shocked! I asked to speak to a manager and was transferred to a 'Spencer ' and was met with a very brief response. We did not recover the money from the bank it was traced too and the case is now closed. We see that it came from your username so we can not return any funds because it appears you initiated it. I did not. 

Being a XXXX XXXX customer I think this was handled very poorly. I was never asked by anyone from WF to provide any specific details of the incident. There was no 'personal " communication at all. It was all basic questions and then days go by and was basically told. Sorry we did not find the money. I lost nearly {$25000.00} and was treated as if it was pennies. No explanations. No education. Nothing. My goal is to recover what was mine. It can not be that easy to remove a customer 's money from a highly secure institution. The customer can not be treated last! 

I have been told the case is closed because I authorized the transfer. I did not! but the customer is always last.
Consumer complaint received 2023-07-21
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: Eastern Account Systems of Connecticut, Inc. (CT)

I am not liable for this debt with XXXX XXXX. 

I do not have a contract with Eastern Account Systems. 

They have ignored my request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

They have not provided me with the original contract as requested or any other requested information. 

Under the FCRA I am entitled to an accurate credit history. 

This inaccurate information is hindering my unalienable right to pursue happiness.
Consumer complaint received 2023-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

On XX/XX/XXXX of this year I got a letter after we finally won a lawsuit due to Universities scamming students to get them to join their very expensive programs. The lawsuit is to clear the loans that the schools used and refund any money paid towards those loans through borrower defense. My servicer received the order to discharge this month on the 3rd. I have friends who were also a part of the lawsuit who were given clear timelines while mine have been confusing or misleading like theyre stalling. Friends of mine with different servicers who applied to the borrower defense almost a year after I did have already gotten their discharge or a more clear timeline while I keep getting really convoluted or strange answers from my servicer.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (VA)

I am on XXXX and I receive my benefits on a Direct Express card. Recently, Direct Express froze my card, and my funds are unavailable. When I tried to call them, I was on hold for several hours and then it hung up. I am unable to use my card online, withdraw from an ATM, or sign in to check my balance. This means that I am unable to access my funds. I went online and found that I am not the only one who is going through this. Direct Express has a long history of freezing accounts and not returning the money to a vulnerable population of people who live on a fixed income. I do not know the exact amount of what is/was on my card, but it is between XXXX dollars. When I try to sign into Direct Express, it reads, " Card status is invalid. '' The card is not expired, so there is no reason for it to be invalid. 

I spoke with Social Security, and they said they have nothing to do with Direct Express, but this is who they have gone through to submit benefits to many people who don't have a bank account. They said they would escalate the issue up the chain of command, but they are unable to access the funds as well, and Direct Express does not answer the phone for anyone. Direct Express is a product of Comerica Bank, but in order to speak to anyone there, one must have their actual card. Comerica has no direct line, otherwise. Several people who live near Comerica Banks have gone to the branch, but they won't do anything about the issue. 

Whether they were hacked, or if this is an inside job, something serious is going on with Direct Express. People on a fixed income can't pay bills, rent, or buy food. I am asking you to please look into this matter and take it seriously. I have switched my benefits over to another card, but I'm still missing the money I am unable to access on my Direct Express card. 

Thank you for your time. 

Best, XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2023-07-21
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-07-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo illegally sold my mortgage while in the midst of applying for XXXX XXXX funding. They didnt tell me where or how to apply for it, while advertising to me during the hold time when I called into their mortgage department to " ask one of their representatives for information on how to qualify for this extra help that was granted to their customers during the Covid lo kdowns. The requirement in the very beginning with Wells Fargo to qualify is that we had to be current with our payments. This was never Foreclosure they were told by me every three months when i was required to check in that this was Covid relief. Somebody named XXXX contacts me saying they bought my contract but they cant verify my payoff amount. For years. Then I recieve a foreclosure notice from XXXX XXXX XXXX XXXX XXXX, and they cant verify my payoff either. Both companies are trying to do a modification that includes around XXXX in attorney fees. They both are calling my contract fromm WF a foreclosure. All three companies never told me I had to apply for it myself. In all these cases they didnt give me the documents i needed to apply at the XXXX with. Please help me. Covid funding is for the number of payments i was behind, isurance, taxes and late fees, principal and interest... not attorney fees ... why, this is not a foreclosure this was covid relief. That money doesnt belong to anybody but my account to pay it down. they gobbled up XXXX in Covid funding illegally.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the account referenced XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting the date last active was XX/XX/XXXX when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting that this is removed from my credit report. This account is also over XXXX XXXX XXXX and should have been removed on XX/XX/XXXX which is another violation. Stop reporting this information on my credit report for many FCRA violations. XXXX has since removed this account, XXXX and Transunion need to follow suit.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

CONTACTED XXXX EQUIFAX AND XXXX ABOUT A BANKRUPTUCY ON ALL 3 REPORTS AND THEY TOLD IT WAS VERIFIED BY THE PA COURT SO I CONTACTED THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DONT REPORT TO CREDIT AGENCIES AND NEVER HAVE PLEASE HAVE THIS REMOVME FROM MY CREDIT REPORT IVE BEEN TRYING FOR 6 MONTHS NOW TO HAVE THIS INFORMATION REMOVED
Consumer complaint received 2023-07-21
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. (MI)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I had logged into my account after a few months on XXXX XXXX  and noticed that my account said XXXX XXXX and realize that it said the crypto was XXXX XXXX and this is after they charged me for a gold package twice that I never authorized. I dont use cryptocurrency I went to my spending account and seen unauthorized transactions so I disputed them and I let them aware of the cryptocurrency that Ive never used so they put a restriction on my account after this I spoke with a few representatives, and they assured me that it would be handled and they get situations like this all the time so I was secure in the situation. I called back two days later and they still couldnt give me an update each time I log into the app it still says restricted and it keeps giving me a later date on when they will contact me. I have emailed them. every other day and all they said was theyll get back to me so after three weeks of calling a representative, I spoke with said he sees what happened and that he will get it handled and give me a call personally about two hours later, they sent me an email saying that my account has been closed and they didnt see anything that was an authorized or fraudulent with my account when I have only made small purchases, but deposited so much money into my account I have lost over {$20000.00} without so much of a reason why or how they came to this conclusion because the representative told me that there were several devices logged into my account a few from out of state other cities that werent mine and he told me that maybe because I login with my phone onto the app that it can be pinging from different cell towers and I assured him this was not the case. Now I am going through a financial hardship and it may be facing eviction with me, and my two children because of their negligence for not doing a thorough review and trying to figure out what is going on I also downloaded my data information that they collect and when I look at it, everything says non-applicable and that seems strange to me and Ive downloaded all of my statements from my spending account and my crypto account and a lot of the information does not add up I tried to help as much as I can. I gave them all the information I had and Im still left with nothing.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Consumer complaint received 2023-03-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (NJ)

This is a false company trying to collect on a medical debt they claim I owe. I have no knowledge of this fraudulent company called Phonenix Financial Services pretending to be a debt collector. It seems my information was collected from an illegal breach and I am taking steps to report this fake company.