davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I had opened a saving acct on XX/XX/19 td bank @ XXXX XXXX XXXX XXXX branch. I specified to the banker who opened my acct please do not send me any atm card. Until I check my mobile banking I saw two unauthorized atm withdrawal, I contacted the bank directly and dispute a fraud claim. Few days later they denial my claim due to atm withdrawal was in my geography area. Spoke with the claim dept and they suggested to file a police report. Then refiled a new claim with police report number, few days later they denial my claim again due to no fraud occurred because the PIN number was entered correctly. I purposed ask the claim dept to speak to fraud dept to pull up the camera and they said they dont have fraud dept that I can speak to. Went to the bank few times and spoke with the bank employee regarding this matter and they couldnt help. Im very frustrated about this fraud occurred and bank couldnt take another action to investigate. I have been banking with this td for the past 8 years and never had any issue with them until last month I opened a new saving acct with them and suddenly found out the banker who opened my acct requested to send an atm card which I never asked for it. Then I filed a complaint with usps about mail stolen or loss.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My Creditors negligence ( XXXX ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards with XXXX and had only been actively using 1 of them. I was logging into their website that consolidates XXXX accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing XXXX. I checked online, saw nothing unusual, and I then called XXXX who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called XXXX again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that XXXX never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (CA)

I'm filing this complaint against MoneyLion bank ( XXXX XXXX XXXX ) for the following two major issues I'm facing from them. 

1 ) They are not honoring their promotional offer to credit 17 % of the direct deposit amount into my account although I have met all the conditions specified in the offer and bonus payout is overdue from their side as of XX/XX/2019. I opted-in for this offer in their app at the time of signup and they confirmed the same to me via email confirmation that I am eligible for the promotional bonus. 

Here are the exact terms and conditions of the offer : .. 
MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : - Join MoneyLion - Set up a direct deposit of $ 500+ - Opt in to bonus - Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) - Bonus you receive will be 17 % of your first direct deposit I have fulfilled all the conditions as of XX/XX/2019 but they are saying that they want me to send them an Opt-in confirmation which I never received due to their faulty system. I thought they might do a fraud like this so I emailed them and confirmed my eligibility in writing from them. 

See a lot of comments from aggrieved customers at the bottom of this page talking about the same fraudulent behavior Moneylion is subjecting them to : https : XXXX 2 ) I'm unable to transfer out any money from my MoneyLion account to my external bank accounts. They are holding my money for last 4 months now. I have tried adding three external bank accounts and none of them show up in the transfers window in their app. They don't respond to the helpdesk tickets filed on their app or website and I'm getting only canned responses directing me to their help articles. Also, when I get to talk to someone on their phone helpline they aren't able to admit the problem and are unable resolve the issue for me.
Consumer complaint received 2019-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

I have vehicle loan with CitizensOne. The vehicle was traded on XX/XX/19. The dealership submitted a check for the 20 day payoff that they received from CitizensOne by phone. They sent that check on XX/XX/19 and confirmed via overnight tracking that it was received on XX/XX/19. CitizensOne also confirmed that they received this on XX/XX/19. They have been unable to accurately process the payoff. They took 11 days from the date received. To apply the payoff check and then assessed more interest. As a result the account will not close. I have called multiple times each week. Have a case open with their customer service department and if goes nowhere.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXXXXXX XXXX  - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Consumer complaint received 2018-06-14
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: SUNRISE CREDIT SERVICES, INC (FL)

I have disputed this entry with Sunrise Credit Services regarding them placing a negative entry on my credit report without providing a dunning letter that would allow me 30 days to dispute the validity of the alleged debt. Once I became aware that this entry was placed on my reports, I immediately began the dispute. I submitted to Sunrise via certified letter with return receipt a dispute requesting that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Sunrise did not comply. They sent merely a statement that was created on their letterhead and reflected an arbitrary number that did not have any documentation to substantiate it. The document they sent lacked veracity. Anyone can create a statement on letterhead and allege a debt is owed but in this case, this alleged debt is not validated. Sunrise should have provided a copy of the financial responsibility page from the provider that reflected my signature granting them permission to disclose/release medical information about me. 

In XXXX I resubmitted yet another dispute with this company by sending a certified letter with return receipt whereby I was still refuting what they were continuing to report. Tracking ( see attached ), reflects that this company received the letter on XX/XX/XXXX and to date has not responded. My request was twofold : for them to provide a copy of the financial responsibility page and 2, cease any and all reporting of this entry on the credit bureaus until I had validated the debt. Sunrise again blatantly disregarded this request and as you can see on the attached credit report, continues to do so. THIS IS ILLEGAL!!

Sunrise blatantly violated my consumer rights by placing this entry on my report without providing me notification and too, they did not respond with any documentation to support the erroneous, inaccurate, unverifiable information they are reporting on my credit reports. Further, I have never heard of this company nor have I ever did business with this company, yet they are continuing to report negative information on my reports. 

This entry should be DELETED IMMEDIATELY!
Consumer complaint received 2018-06-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I am a veteran of the XXXX. Job moved out of country. House went into foreclosure. NJ Hardest Hit Program approved me for their NJ Homesavers program. Caliber Home Loans refuses to recast the loan even though the VA states that they are able to do it.

My sheriff sale is XX/XX/2018, NJHMFA and the VA are working hard to push this through and they have run into a brick wall with Caliber Home Loans says no to recast of Mortgage.

I will have to go Chapter XXXX  Bankruptcy if things fail to keep me house which is unfair because NJ Hardest Hit Fund has XXXX they want to put on my mortgage with Caliber Home Loans and save my credit and save my house.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX Check # XXXX was written in the amount of {$140.00}.

On XX/XX/XXXX, BBVA Compass debited my account {$410.00} for check # XXXX.

I called BBVA Compass customer service on XX/XX/XXXX and asked that it be corrected. I was told it would be fixed and my account would be credited the {$270.00} in 24-48 hours. My account was not credited.

I called BBVA Compass customer service back on XX/XX/XXXX, and was told it would actually take 5 business days. My account was not credited in that time, either.

I called BBVA Compass customer service back onXX/XX/XXXXand spoke with XXXX. I immediately asked for a manager and was subsequently put on hold for over 30 minutes. After over 30 minutes of being on hold, the manager, " XXXX '' would not speak to me. I was told AGAIN, they would credit my account the {$270.00} that they erroneously took out 15 days ago, in 24-48 hours.

I still do not have my money back.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Ocwen Loan Servicing, first wrongfully reported me to be late in making payment by wrongfully allocating the monthly payment towards the principal and then began to charge late payment fees. They do this on a regular basis. PLUS they reported me to the Credit Reporting Agency for late payment, when we did not miss a single payment to them. What they do is simple. In the month of XX/XX/XXXX ( the short month ) any payment received on XX/XX/XXXX for XX/XX/XXXX is  allocated as a " DOUBLE PAYMENT in the same Month '', as they receive one payment on XX/XX/XXXX and another on XX/XX/XXXX. This works each time as I make my payment reach them on the XXXX of the month. XX/XX/XXXX being 31 days and XX/XX/XXXX being shorter in length, they end up getting two payments in that month. So they allocate a payment without your consent or information to the PRINCIPAL balance, as if by mistake. BUT the intent is to charge you late fee of around {$100.00} per month.

WITHOUT MISSING A SINGLE PAYMENT, they have reported me late. My case Number with them ( XXXX ) and NC Department of Justice ( XXXX ) is ignored and they reported me to XXXX as delinquent ( Case No. XXXX  ). They have done this trick for the THIRD TIME. Their Ombudsman lady XXXX XXXX writes long jargon filled letters that do not address the complaint and try to side swipe their customers with fraudulent charges by wrongful manipulations without your knowledge or consent. OCWEN is a corrupt financial institution like XXXX, that is cheating people and has built-in cheating mechanisms.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was charged XXXX on my Chase credit card. When this payment showed up on my statement I immediately reach out to chase because the charge should have been XXXX dollars. 

On XX/XX/XXXX chase called back to let me know the vendor charged XXXX. I explained that I never authorize this charge, signed, or made any purchases that equal that amount. I also asked if they could mail the receipts including my signatures. 

They told me that they see the charges but no singnatures were found. 

This is very wrong. I never made those charges. In never signed anything or approved those. 

As a chase private client and someone who makes 1000s of transactions on a monthly basis I feel violated.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

XX/XX/2019 I opened a dispute with cash app company for 3 transactions, {$49.00}, {$110.00}, {$61.00} I received a response from cash app company asking for more information and if I contacted the merchant to request a refund, I responded XX/XX/2019. I was issued a refund of {$49.00}, 2 transactions have not been received. I have been emailing cash app every day or other day asking about my 2 transactions, I received a email XX/XX/2019 asking me to submit the exact same information already submitted over 30 days ago. This is unacceptable I want my money immediately.
Consumer complaint received 2024-10-19
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. (IL)

I recently reviewed my credit report and noticed charge-off entries which I believe are inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements.
Consumer complaint received 2017-09-01
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. (RI)

Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I found late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and I have not received satisfactory validation. I kindly request your assistance in resolving this issue.
Consumer complaint received 2017-07-31
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. (AL)

I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX- No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!
Consumer complaint received 2017-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America as well as Bank of America 's attorney/counsel XXXX XXXX & XXXX have denied overcharging my mortgage by adding fees from the year 2012 to the Present day for services never performed but were added to my mortgage balance. Furthermore, the attorney as well as Bank of America have adding charges such as as cutting my hedges which were not overgrown. Bank of America as well as the attorney have said to contact XXXX XXXX XXXX . I 've tried multiple times but was never responded to.
Consumer complaint received 2017-09-01
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. (TX)

I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Consumer complaint received 2017-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I initiated a dispute with equifax via BBB on XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As of XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XXXX the account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XXXX and as of XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how equifax " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor equifax. And it is obviously wayyyy beyond 30 days. Equifax continues to stall vs remedying the situation. I received a statement that their was an " unauthorized third party ''. What and whom is this third party. At this point I am ready and willing to seek legal counsel again equifax for every violation. Because once again equifax has chose to ignore my request
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

Well i was going thru a hardship on paying my negative balance to chase bank my son was XXXX so i was very out of money so they wnd closing my account and puting me in XXXX making it hard for me to get another accoun any were but im back working so im able to mange the account that i will get when i can
Consumer complaint received 2017-09-01
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: Experian Information Solutions Inc. (IN)

After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.
Consumer complaint received 2017-08-31
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. (TX)

I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.