davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (NY)

MoneyLion told the CFPB on XX/XX/XXXX that they would issue the bonus amount of {$400.00} within 7-10 business days. As of today, XX/XX/XXXX, they have not paid the bonus. They lied to the CFPB complaint # XXXX stating they would pay this bonus within 7-10 business days ( they should've paid no later than XX/XX/XXXX ).
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-09-06
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. (FL)

Applied for a cellphone service through XXXX XXXX. All approved, phone ordered. Went to store to buy the phone, setup the account etc. but received awful service and rude salespeople. Decided in the shop NOT to continue with the service setup and told them I no longer wanted the phone or service. Never received or even touched the phone, never activated or started service with XXXX. Decided to go with a different company. 

Received a collection bill from XXXX in the mail. Called them 3 times to try sort out, every-time going through the whole same explanation and EACH TIME they can see no service was even started, they apologize and promise they would fix it. 

Then I got a credit alert from Experian that there was now a delinquent account on my perfect credit report and my credit score has dropped substantially. Immediately looked into this, saw it was from XXXX and submitted a dispute online through Experian. 

Once AGAIN called XXXX XXXX to sort this out and once again I had to explain the whole situation, once again got an apology from XXXX and promise to sort it out and contact the credit bureaus to remove the negative report. 

I then get a result of the dispute from Experian to say " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So basically this INCORRECT information is still on and affecting my credit report. XXXX has admitted their mistake to me every time I called them but this is still not resolved on my credit report!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX {$5700.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX  {$890.00} XX/XX/XXXX -- Inquiries -- XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

Hello, I have made several attempts to just get an explanation of each student loan I have with Navient. 
Each time I call, I do not get answers. I have 17 student loans which I have paid over {$44000.00} already. 
Loan 1 I owe {$3500.00} 2-Paid Off {$2800.00} 3-I owe {$2000.00} 4- Paid Off {$1200.00} 5- {$3100.00} I owe 6-Paid Off {$2300.00} 7-Paid off {$1900.00} 8- I owe {$3500.00} 9- I paid off {$2000.00} 10- I owe {$5500.00} 11-Paid Off {$320.00} 12-Paid Off {$120.00} 13-Paid Off XXXX 14- Paid Off {$1700.00} 15-Paid Off {$8400.00} 16-Paid Off but they have no info 17-I owe {$8000.00} I have paid in total just under {$45000.00}. If you add up what I have paid from above, this does not add up to that amount. I keep simply asking where is the rest of my money? Where has it gone to since the above adds up to only about {$23000.00}. And they are saying I still owe over {$25000.00} more. 
Each time I call they can not explain it to me and keep telling me someone will call me back. This has been going on since XX/XX/2019. 
I have all the proof of what has been paid and I just want more answers. 

Thank you, XXXX
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

I had refinanced my home and paid off my mortgage with PNC mortgage on XX/XX/2019. I was unable to stop my bill pay, although I had forgotten to do that then. On XX/XX/2019 an automatic payment was sent to them in amount of {$700.00}. 
I called them to make them aware of the error. I was to.d that they did get the check, but that they had to hold it for 6 days. Why, I asked? It isnt yours to hold, and I dont owe you anything. I was told it was to make sure I had the funds to cover the check?. What? You plan to cash my check? I requested that they simply return the {$700.00} to my PNC checking account. There should be no waiting as the sending and receiving bank was the same bank! Just verify and return ... .click, click, done. For me a 10 day wait is detrimental. I am on a fixed income and this just screwed up my budget royally. 
I tried several times to stop payment but screen went gray n locked as soon as I hit thr stop auto pay button. So I just deleted them from my list of bills. 
Why did they need to keep my funds when they were drawn on their bank?
Consumer complaint received 2019-09-06
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. (AL)

Equifax and TXXXX are reporting incorrectly ( 60 ) days late on the XXXX/XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I attempted to use my Discover credit card to make a purchase with XXXX XXXX, and to my unpleasant surprise, my card was declined. I didnt overthink it since I figured it was some technical hiccup, so I used a different credit card and went about my day. Imagine my surprise when my card was declined again on XX/XX/XXXX at XXXX. It was at this point that I logged in to my account and noticed that {$0.00} were available of my {$21000.00} credit line with less than {$200.00} in charges currently on my account. 

On XX/XX/XXXX, I called the Discover support team to which I was met with no information and asked to call back the next day since the department I needed to speak with was unavailable. I called in again on XX/XX/XXXX and was informed that my account was closed and to look for information in the mail. According to the letter received from Discover, my account was closed due to a business decision without any details as to why and without any prior notice to allow for resolution of the supposed issue. 

According to the CARD Act of 2009, financial institutions such as Discover are required to provide a notice of account closure at least 14 days before the action being taken, which was not done, in addition to only providing a vague reason as to why my account was closed, leading me to believe that I am being unfairly targeted by Discover for questionable and seemingly unethical reasons. 

I feel that this closure was unfair, unjustified and without merit since I have followed the guidelines of the Cardmember Agreement and have never been late on payments in the 4+ years that I have been a customer of Discover.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WI)

I have had a credit card with XXXX XXXX since XX/XX/XXXX, I have never had a late payment with the company. The credit card account issuer is Elan Financial Services ( US Bank ) but under the brand XXXX XXXX. On XX/XX/XXXX I received correspondence stating my account had been shut down with their reasoning that I " had fallen victim to a credit card scam. '' The correspondence went on to say '' we have made several attempts to contact you by phone, but have been unsuccessful. '' Neither of these statements were correct, as numerous times I've had to contacted XXXX to assure them the charges in question were legitimate. Due to the numerous holds that were occurring on my account XXXX XXXXXXXX customer service representative provided me with the direct telephone number to the fraud prevention department. During the month of XXXX I had made several calls to the fraud prevention department assuring them that indeed the credit card charges were legitimate. Towards the end XXXX I contacted the fraud department to unlock my card once again and was informed the account had been shut down due to suspicious charges. Since that point I have been unable to rectify the account closure with XXXX. As a result of the account closure I also had XXXX ( {$510.00} ) in XXXX XXXX XXXX forfeited which I am unable to receive. As of XX/XX/XXXX I had paid off the amount due ( {$20000.00} ). I have perfect credit and have had every account in my 16 year credit history paid in full and on time. In addition to the {$510.00} in rewards that have owed to me, my concern is account closure will look poorly on my future credit history. 

Summary : -XXXX  thought I fell victim to credit card scam, which I did not. 
-Unable to dispute this accusation directly with anyone at XXXX XXXX 
-I am not able to receive {$510.00} in credit card reward points from the account owed to me from the charges I had made.
Consumer complaint received 2019-08-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE UNLIMITED, LLC (NJ)

First, I had a pre-approval letter from Mortgage Unlimited on XX/XX/2019 for a loan amount of {$540000.00} with my brother in law as a co-signer for a property located in XXXX. The purchase price for the house is {$610000.00}, and agree to make a downpayment of {$100000.00}. I had entered in a contract with the seller and made a first down payment of {$15000.00}, and pay general inspection for {$1400.00} and a tank sweep requested by my lawyer {$350.00}, and my lawyer fees are {$1500.00} plus any additional fees that will incurred until closing. Before all of that I told my lender that my uncle told me that for the FHH loan, the property will have to pass a self sufficiency test because it's 3 units. He told me this rule will not apply to my case and I didn't know what I was talking about. Then, after I submitted all required documents, on XX/XX/2019 I received an approval letter, and this before the appraisal that I have gave my card information long before for payment. The appraisal was finally ordered by them on XX/XX/XXXX and charged me {$650.00} for it, and made me have paid for home insurance on the property for the amount of {$1600.00} effective on XX/XX/XXXX ( the targeting closing date ). I have told my current landlord that I will move out some time after XX/XX/XXXX because of the lender assured me the loan is already approved. I also paid some money to someone who had a truck to help me moving out and ordered a refrigerator and some furnitures because I was sure that I was moving out soon. Then, on XX/XX/XXXX, the lender called me to tell me that I'm not going to have the loan because the property did not pass the self-sufficiency test, that is 75 % of the rental income need to be the monthly payment. Something that I previously told him I was worrying about. Now, my daughter and I are XXXX  because my landlord already have tenants for XX/XX/XXXX. I put my stuff in storage and currently living in my sister 's house. I even changed my address because I wanted my daughter to register with the neighborhood 's school as soon as school is opened. I don't understand how a lender with years of experience misrepresentation a loan like that make me spend my money, my time, and my energy. I signed a lot of documents including closure disclosure, submitting endless documents in a promptly matter and even locked my rate. I think it's really unfair and was a victim of fraud and being lied to. I am a single mother who was trying to do what best for my daughter and now she doesn't even have a home and a school to go to, and losing about {$20000.00} because I was misleading by this lender and this mortgage company. Please Help!!!
Consumer complaint received 2019-08-26
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)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX, XXXX, XXXX XXXX XXXX IXXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries 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
Consumer complaint received 2019-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a XXXX XXXX   branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. please respect the case of these charges I already said everything with respect to what I knew about these unauthorized charges apparently do not value my rights as a consumer are based on what they think not on what they should do review each charge and see what information was used to perform each fraudulent charge not on what you think because you are always making the decisions that you want I demand my consumer rights and return all funds from all fraudulent charges ... it's too much what I have waiting for XXXX and they never help me ..To contact me I receive calls only in Spanish XXXX
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I was notified that effective XX/XX/XXXX, my escrow payment would increase by {$980.00} due to a projected shortage of {$13000.00}. 
Mr Cooper stated that my beginning balance as of XX/XX/XXXX was XXXX and it need to be at {$10000.00}. 
Mr Cooper had taken over the Mortgage from Seterus as of XX/XX/XXXX. 
They claimed that at the time they assumed the account, my escrow balance was XXXX. 
On XX/XX/XXXX, I communicated with Mr Cooper that I had been paying my Escrow regularly for a long time, and was not aware of any shortages when my account was with Seterus. 
On XX/XX/XXXX, Mr. Cooper corresponded to me : We have reviewed the Seterus Escrow Analysis ( EA ) statements generated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each review of determined a shortage of escrow funds. 

However, I saw several issues in their analysis, which I communicated to them on XX/XX/XXXX : XX/XX/XXXX ending balance of {$630000.00} yet next statement shows beginning balance of XXXX. 

XX/XX/XXXX ending balance {$6500.00} yet next statement shows beginning balance of - {$3900.00} XX/XX/XXXX ending balance {$230.00} yet next statement shows beginning balance of - {$1600.00} Between XX/XX/XXXX and XX/XX/XXXX, {$58000.00} was paid in to escrow yet only {$36000.00} was paid out of the escrow account. With an assumed initial balance of $ XXXX, on XX/XX/XXXX my balance should have been {$20000.00} All the Seterus Escrow reports seem to not properly carry the balance forward. 

I also find it difficult to believe that Seterus would have allowed my balance to get so low. 

On XX/XX/XXXX, Mr Cooper replied that they were still investigating this. 

No further communication has been made. 

I have been paying the additional payments as requested, but this is proving to be a financial hardship for me.
Consumer complaint received 2019-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (IL)

I started my FHA mortgage back in XX/XX/2012. My home value is listed as {$130000.00} and I currently owe {$100000.00} on my loan. That means my LTV is currently at 77.90 %. I am below the FHA required 78 % to remove the PMI from my FHA loan. I have already submitted my request in writing to Suntrust Mortgage, however they're insisting that my LTV is still sitting at 83.83 % and can not tell me how they keep coming to that calculation. I have even received automated text messaged from Suntrust regarding my loan saying I'm below the 78 % LTV.
Consumer complaint received 2023-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.