davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

XXXX. I have reported this charge as fraudulent multiple times. Each time, Goldman Sachs has failed to provide any evidence showing that I authorized this charge, despite my repeated requests. I did not authorize this transaction. The banks refusal to provide evidence or have an investigator speak with me demonstrates predatory behavior towards consumers. Ive started doing less business with Goldman Sachs due to the predatory behavior from the bank.
Consumer complaint received 2024-11-01
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. (MO)

I am contacting you as a victim of a data breach that has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit file. 
Unauthorized Accounts XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$8600.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-10-28
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: World Acceptance Corporation (TX)

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX, a buyer from XXXX purchased a digital game account from me for {$300.00}. Since I didnt have PayPal , the buyer suggested I create one, which I did. He transferred the payment, and after seeing the money in my PayPal account, I delivered the product to him. However, PayPal held the funds for 20 days due to account restrictions for new users.

I informed the buyer that PayPal was holding the money, and he agreed to wait. On XX/XX/XXXX, XXXX released the funds, and I transferred them to my bank account. Shortly after, I received an email from PayPal stating the buyer had requested a refund, falsely claiming he never received the product. I contacted the buyer, and he claimed that PayPal had flagged his account and forced him to request the refund, which was not true according to PayPal.

I reported this to PayPal, providing proof that the buyer had already received the account. I requested PayPal to block the refund, as the buyer was attempting to scam me. PayPal assured me they would investigate. However, after a few days, they closed the case and refunded the buyer despite the evidence I provided.

Now, my PayPal account is blocked with a negative balance, as PayPal refunded the money to the scammer. I had already transferred the funds to my bank, and now PayPal demands that I repay the refunded amount. They have escalated the issue to collections ( XXXX ) XXXX which is unfair as I acted in good faith, provided evidence, and PayPal mishandled the situation by siding with the scammer from XXXX. I believe PayPals negligence caused this problem, and they should suspend the scammers account instead of demanding payment from me.
Consumer complaint received 2024-11-01
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am 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 will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

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 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX of XXXX. I had received a call from a chase phone number with caller ID that my debit card was compromised, and I had to receive a new card. I had a card from another financial institution that was compromised through a skimmer in XX/XX/year> while on vacation that had to be replaced. I thought this could be in relations to of this. The so-called clerk on the phone requested that I would receive a 1-time pin texted from me and I should read back to them to confirm. I confirmed the one-time pin and my card was requested. Little did I know that this was actually scammers since they we're able to order a debit card and using my phone number and we're able to request a debit card overnight. 

On XX/XX/XXXX, they we're able to go to a XXXX XXXX location in XXXX and withdrew 2 sets of {$300.00} per transaction. They also went to a teller and withdrew {$3900.00}. Because they had my debit card and pin, the branch did not ID the person. Once the transaction was complete, the manager of that branch called me and asked if withdrew {$3900.00}. I said no and he said to go to the nearest branch location and talk to them. I went to a XXXX branch, and I was able to get my 2 transactions of {$300.00} refunded immediately but not the {$3900.00} since the transaction was still pending. I talked to the claims department on the XXXX of XXXX giving them my details of what happened. They said I should get a response within 5 business days. I called a week later asking for a status and they said they would escalate my case, and nothing was needed would receive an answer within 3 business days. I 5 days later and was told by the claims department my claim was denied, I requested to talk to a manager, and he looked deeper and said that my claim needed a verification of my phone provider. I never received any information from chase that requested this information. I sent an email provide by the manager on XX/XX/XXXX to the fraud department with my phone carrier information. I called on the XXXX of XXXX to see what was going on and they said they would get an answer back to me within 2 days. I called XX/XX/XXXX and they said that what I was sent was not correct and needed to send a validation from my phone carrier that my phone number was duplicated ( I tried to get this to no avail ). They said without this my claim would be denied and not reopened without this information. 

I had not received any official correspondence from XXXX requesting information to help with my claim, and when I requested from XXXX to let me know where the debit card was sent, they refused to give me the address where it was sent so I can file it for a police report. The claims department did not even investigate the branch on where it happened to, because I stated to their claims department the branch manager called me to notify me someone withdrew {$3900.00}. The claims department refused to call or interview the branch on where this occurred.
Consumer complaint received 2024-07-30
Product: Credit reporting 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)

I am REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IN)

We called to inquire about a deferred payment because my wifes company changed their pay schedule which made us need to skip a payment. US Bank told us we could skip a month, then make regular monthly payments during a modification program. They did not tell us they were going to count those payments as past due on the credit report. They did this XXXX times. They also did it during XXXX. We made payment. US Bank did not apply those payments. That does not mean we were late or should be penalized. We did exactly what their program said to do.
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: MoneyLion Inc. (CT)

I have signed up for money lion credit builder program as my XXXX XXXX was in the upper XXXX XXXX. They said i can take out a credit builder app loan/installment loan and repay it and over time it would build my XXXX XXXX. Well after XXXX i noticed the app had a payment issue. I tried to upload the payment again and it kept giving me payment issues notifications. I tried a again a few days later and nothing. I called customer support and couldnt get hold of anyone. I thought the subscription would be cancelled due to non payment. Well moneylion kept charging for the subscription.I got a notification much later that my account was past due. I emailed the support team and told them it wasnt my fault as i already tried to submit payment and they replied saying they were able to put the payment through on there end with the same account and my account was showing paid in full and closed. I told them they destroyed my credit as its now showing XXXX my score was in XXXX and my on time payments of 100 % had dropped below 94 %. They said it wasnt there fault. I requested they immediately close the account through BBB complaint. The Moneylion rep said she will go ahead and close ou the accounts. XXXX later i get more emails stating my subscription payment is due and payment isnt working. I replied saying they already closed this through BBB complaint. The customer advocate responded it wasnt closed but she would close it again and sorry for the error. Moneylion has taken no responsbility in this. But because of moneylions faulty app and no course for resolution they have destroyed my creidt for 7 years all over {$20.00} payments that i tried to make online but couldnt. im seeking reprenstation as you already suing Moneylion. They use predatory types of marketing to try help low income/credit profile users to build credit but then destroy it at first chance then setup you for creditbuilder loans that cost 1000 % in APR.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I transferred {$9000.00} of my American Express balance to XXXXXXXX XXXX on XX/XX/XXXX. XXXXXXXX XXXX has added {$9000.00} to my balance by Amex hasnt credited a {$9000.00} to my account. I have contacted Amex and they dont seem very concerned about it, but I am.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report as this is not a personal account. This is a business account.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include false account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is crucial for my financial security, and I would appreciate your assistance in addressing them.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX, I deposited a legitimate and valid check, but SOFI froze my account citing a 'risk with the check. ' It has now been three months, and this check is indeed valid ; SOFI even contacted the check issuer to confirm its legitimacy. The check was successfully deposited and did not bounce. I have repeatedly contacted SOFI, including through the CFPB, to request an explanation for the freeze and to promptly release my rightful funds. SOFI has refused to provide any reasons, only informing me that I violated the agreement. Could you explain how depositing a legitimate check constitutes a violation of the agreement? I demand SOFI promptly return my funds, but they have informed me they don't know how long it will takeit could be years or even decades. Isn't this just robbery of my property? I request SOFI to clearly specify which part of the agreement I allegedly violated and to provide a clear deadline by which my funds will be returned.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (FL)

Dear MoneyLion I am writing in response to your recent communication regarding the collection of an alleged debt. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt you claim I owe. Specifically, I request the following information : 1. Proof of the debt : Please provide documentation verifying that I owe the debt, including a complete accounting of the amount claimed. This should include how the balance was calculated, including interest, fees, and other charges.

2. Verification of ownership : Provide the name and contact information of the original creditor, along with proof that you are authorized to collect this debt on their behalf.

3. Documentation of payment history : Supply records that outline the original agreement I made with the original creditor, along with the payment history associated with the alleged debt.

4. Proof that the debt is not time-barred : Confirm whether the statute of limitations has expired on this debt and provide the date of last payment. 
5. Evidence of debt assignment or sale : If applicable, provide documentation that clearly establishes the transfer of ownership or assignment of this debt from the original creditor to your agency.

Under the FDCPA, I have the right to dispute the validity of this debt within 30 days of receiving your initial notice, and you are obligated to cease all collection efforts and reporting to credit bureaus until you provide this validation. Please also note that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information reported to the credit bureaus.

Failure to provide adequate validation within the 30-day timeframe will result in my request that the alleged debt be removed from my credit reports and that no further collection attempts be made. 
Thank you for your attention to this matter. I look forward to your prompt response with the requested documentation.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SoLo Funds Inc. (WI)

Hi CFPB, SoLo Funds is the company I'd like to discuss. 

A couple years ago I opened an account with them with an old email and connected my phone number. I later removed the app and thought I had deleted the account. This last year I opened a new account with a different email and connected my phone number and bank account and began lending. One day after an update I could no longer access the account. Whenever I would select to verify by phone and email one of the codes wouldn't send. My account was essentially stuck with around {$450.00} sitting on it and no way to access it. 

Moving forward I reached out to XXXX as that is their only way of support. They told me that the problem is that two emails are associated with the same phone number so the old email is blocking the verification from being sent to my email. They then said they would report this to their " heads '' to fix by removing the phone number from the old email. It has been 2 months now and I still can not access the account or my money that resides on the account. I have asked them to return all my money to me to the linked bank account and they have continued to ignore my request and seem to be illegally storing my money. I'm not sure where to go from here but I'm hoping you're able to help. 

Thank you, XXXX XXXX