davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc. (AZ)

Loan # XXXX was taken out in XX/XX/year> and I was making all payments on time. However, I switched my banking from XXXX to XXXX. After I made the swap, I updated my billing information to continue making my payments on time. However, the company would not use the new card number or checking account number I provided. Therefore, the account fell behind and eventually became a charge off with a reported balance of {$340.00}. When I would contact the company they would tell me there was nothing they could do. To this date, they are reporting the charge off monthly adding late payments to my credit report for the past few years. Trying to resolve this, calling, using the companys app chat with customer care option and emails have not been helpful as they seem to have been abandoned. How is one supposed to settle an account to prevent more negative marks on their credit report when the creditor refuses to respond in any way? How am I supposed to pay? This is affecting my day to day life and future goals. After some research I see this seems to be a reoccurring problem with this company. 

With their refusal to provide any contact or documents I need their accounts removed from my credit report in a timely manner. Ive tried disputing and they respond to the dispute by moving around the months of late payments, paying no mind to what the dispute was for. They provide no contact, and no documents.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> at XXXXXXXX XXXX XXXX I deposited around XXXX to XXXX dollars in an ATM at one of the branches that I was near at the time. When the machine was counting the money it showed an error and didn't deposit my money nor give it back. Instead it gave me a receipt stating to call their customer service number and inquire if the deposit went through. I called the customer service number and was told I would be credited the amount that I deposited but I felt like it wasn't going to be a quick process.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

There is a bankruptcy reporting on XXXX, XXXX, and XXXX : they have stated that they received the information from LexisNexxis. I did not give LexisNexxis, XXXX, XXXX, or XXXX permission verbally or in writing to report any information about me or collect any data on my behalf to report to third parties. LexisNexxis< XXXX, XXXX, and XXXX XXXX XXXX has violated the Privacy Act of 1972 by collecting and sharing my personal information without my consent. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent multiple letters to each bureau and LexisNexxis via certified mail.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (NY)

https : //mytdfinancing.com for XXXX XXXX XXXX XXXX I am locked out of my online account without the ability to make a payment. I have attempted to call customer service multiple times and I am not unable to reach anyone. I have called multiple times, different days of the week and different times of the week and I am still not able to get ahold of anyone after excessive hold times.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (IL)

I used XXXX to search for term life insurance. They found me a policy with XXXX and I was supposed to sign up. XXXX got my payment info and told me the company would send me the policy in the mail. When I got the policy I noticed it had accidental insurance instead of term life so I told them I didn't want the policy. XXXX said they would take care of it but I continued to be billed. I called them back and they said they would look into it. I finally gave up and reached out to XXXX myself to see why they were taking money out when I said I didn't want the policy. They said they never knew I didn't want the policy and had me fill out the paperwork to explain what happened. Then they said they don't do refunds but if I reached out to my bank they wouldn't dispute them getting the money back. I reached out to SoFi ( Social Finance, LLC ) which is my bank and they refused to investigate the matter. They claimed the charge was valid even though I informed them that I had no policy with this insurance. I was charged {$67.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like my money returned to me ASAP.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (TN)

XX/XX/year> I recieved a reinstatement statement from the servicer. I recieved someone elses information. I am concernered that my information was sent to someone else. 
I received loan information and addresses,
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANCO POPULAR DE PUERTO RICO (FL)

Banco Popular de PR has an account that you can open online. The adds says that it's easy, simple, and no bank visit is required. I tried to open an account and they prevented me from opening one unless I take a list of documents directly to the bank ( like ID, XXXX card, etc ). No where in their adds says that is required to visit the branch in person. No way to email or fax documents over. Misleading.
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

I paid {$320.00} on XX/XX/XXXX and {$970.00} on XX/XX/XXXX per an agreed and authorized settlement of approx {$1600.00}. Original debt amount was approx {$2200.00}. 
Representative XXXX XXXX from National Credit Systems , Inc. is lying and going back on his word to close out my matter for ~ {$1600.00}. I owe approx ~ {$300.00} to close out my matter in full and remove from credit report. All calls were recorded and I ask that CFPB look into this matter fully amd request to hear the recorded calls. 
Representative XXXX XXXX was harassing me to pay the full ~ {$2200.00} he did nothing to help other than continue to create confusion after I informed him I am not following his calculations. I am cuurently stuck out of town away from home desk due to global delta travel disruptions and my original notes with his settlement offer is at my home desk. I am currently writing from a mobile phone.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX # XXXX Ordered a jacket online on XX/XX/XXXX. Was supposedly delivered on XX/XX/XXXX via XXXX ( originally shipped via FedEx ). Never received item. Reached out to XXXX ( via phone ) and was told to wait XXXX days, as XXXX marking an item " delivered '' may simply mean that it was on the truck for delivery. XXXX days went by and I reached out to XXXX again XXXX via phone ) and was told I needed to wait 5 days to file a claim. Filed a claim online for " Item Not Received. '' XXXX business days go by and it was denied. I called XXXX again ( via phone ) to appeal the claim. Another XXXX business days go by and I got an email that it was denied. 

I then opened a dispute with American Express. This dispute was opened/closed XXXX separate times. The first time, it was simply closed. The second and third times, American Express sided with XXXX and provided documentation with XXXX things ( XXXX ) proof that I initiated the order ( not disputed ) ; XXXX ) XXXX  tracking showing that the item was delivered ( no signature, photo, or proof of delivery ) ; 3 ) return policy stating that since 30 days had elapsed, XXXX would no longer accept a return ( I can't return an item I never received ) ). Since XXXX provided those documents, AmEx refuses to honor the dispute. I've even spent days and weeks on the phone with AmEx 3-way calling XXXX to try to get XXXX to share a proof of delivery or proof that they had opened a claim with XXXX. I never got proof that they opened any inquiry with XXXX. XXXX will not open a claim for me, as I am not the shipper. 

At various times, American Express disputes team told me : - That I could file a " XXXXhase Protection '' claim. Their purchase protection terms state that items in the possession of a " common carrier '' are not covered. As I never took delivery of the item, I could not say it was stolen from me.

- American Express requested multiple times via 3-way calls with XXXX that they provide proof of delivery ( signature or photo ) or proof that XXXX initiated a claim with XXXX. XXXX never provided either. 
- American Express told me that they would write off the charge. Then at another point they told me they would offer me half of the charge as a gesture ~ {$380.00}. Ended up offering me nothing. 

I am at a complete loss at this point. This was an expensive item that I bought myself for my birthday. I don't know what other recourse I have. I thought XXXX would have opened an investigation with FedEx and replaced the item. I thought AmEx would have my back once I filed a dispute. Please help.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (NJ)

I had an installment loan under my name that was taken out for my ex husband. I paid for it for quite some time then I couldnt manage the payments. There was less than {$2000.00} remaining and I tried to negotiate the loan to a smaller amount or longer time to pay off the loan. Ener bank denied both. They have written off this loan but keep on adding fees to it to the long where now the amount I owe is over {$5000.00}. I also had someone from Enerbank come to my house one time when I wasnt home and was yelling at the person that answered the door and he threatened to take legal action against me. This was a very scary situation for people in my home. I want to come to a reasonable amount below {$2000.00} to pay off the loan. I am a single parent and I take care of my old mother and young child that is ready to go to college. I want to do the right thing but need help with the reduced amount and payment terms
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (NC)

Suddenly, my entire ROBINHOOD account was put on restriction. I use ROBINHOOD as my checking, as well as their investing services. All of my accounts are locked. I am in XXXX XXXX on vacation and the only info they can give me is that the system flagged my account and there is nothing they can do until days from now. I have never had any problems with them. I dont do anything nefarious nor beyond their guidelines and terms. I have used them for over XXXX  years and now while Im away on vacation, they lock everything with no real explanation nor help to override the system flag. This company is treating its customers like XXXX and deserves to be shut down.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I sent {$130.00} XX/XX/XXXX to my mom via online transfer. The transaction processed however my mom didn't get the funds. She tried using the link that she received and it gave her an error message of '' uh-oh, something went wrong ''. I contacted Chime regarding this and the representative told me to let my mom call them. My mom called them XX/XX/XXXX and they told her that I need to contact them. I called them again XX/XX/XXXX and the representative filed a dispute on the transaction. I got an email yesterday that the dispute is denied. I told them already that my mom didnt get the money and I don't the money either. They refuse to help me with the situation nor give a credit back in my account.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WA)

i applied for a business credit card with AMEX Business XX/XX/year> under my business email ; XXXX. 

I gave them my personal credit information for a credit transaction for a new credit line promotion they offered me. In exchange for the value I provided within the contract, I was denied and left damaged. 

I read the 6 page " Terms, Conditions & Disclosures '' they offered and in the first page AMEX has me certify that I agree to the terms disclosed within. I did accept. In the last sentence it states my personal and business credit score MAY be impacted by submitting the application. NOWHERE else in the 6page disclosure references anything else about my credit, or anything pertaining to getting approved or denied by credit reports. It states the information that is disclosed within the report is ONLY to be used to verify my identity.

Any Adverse Action AMEX did towards my application is purely discriminatory and no where written in the document I agreed and accepted their decision will be based on what is within my credit report. 

Regulation B listed in CFPB, Uniform Commercial Codes, Code of Federal Regulations have rules in place protecting consumers from issues like this.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I received a call from chase customer support with someone pretending to be a chase employee. They tricked me into sending at total of {$15000.00} via wire transfer to three different people. I told the bank what exactly happened and I called everyday to check the status of my claim. I also filed a police report and told my bank to wait until have the police report to help them with my claim. I will be pressing charges on the three individuals who scammed me. Chase told me on XX/XX/XXXX when I called the claims department that they denied my claim and I cant get my money back, however I did not receive a paper or any supporting documentation as to why my claim was denied or that I was formally denied and made an appointment for XX/XX/XXXX to visit a branch so they can give me documentation as to why my claim was denied. I am still currently waiting for the police report to be reviewed. All the attachments I uploaded are the people who scammed me.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (GA)

we have been paying on this vehicle XXXX XXXX XXXX for XXXX years. and XXXX months with fees the vehicle was {$21000.00} then we put XXXX XXXX dollars down payment and they said the loan would be {$22000.00} and extra how could this be. after the {$3000.00} we paid on deposit now we have paid all this money and XX/XX/XXXX would be XXXX years and our balance is still {$18000.00} .and the interest rate is so high 23.9 % and we have a few lates and i reached out to ask if they could remove the late as a courtesy for the sake of us buying a house and they said they don't even do that since we have been a customer for all these years. And never had our vehicle repo .i think this is unlawful to charge this much.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (TX)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX I submitted a dispute letter to the credit bureau disputing this collection. I received a letter back from the credit bureau stating this debt was valid. So I mailed a letter XX/XX/XXXX to the debt collector asking them to validate the date, they replied and said that I had attempted to dispute this debt back in XX/XX/XXXX and it belonged to me. No proof of how this debt belonged to me, no documentation was given to support this claim. I have now sent a second notice notice to this debt collector asking them to please provide documentation that the debt belongs to me. I have not lived in this apartment complex from the dates that they are stating.
Consumer complaint received 2021-05-11
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. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2022-12-22
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. (NC)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MO)

on XX/XX/year>, {$3200.00} dollars was transferred out of my account, but I did not preform this transaction. Either it be fraud or someone hacking into my account and doing it, I did not authorize these payments. I immidiately contacted XXXX security team, which surprisingly took less than half a day to conclude there was " no evidence '' of fraud. it then took XXXX  days of me calling and asking for information for someone to finally tell me this on the phone. when i asked for any information, the person on the phone kept repeating " there was no evidence found '' and that is it. The company, robinhood, allows easy transferring of funds from a checking account to a brokerage, where the person that got into my account recklessly dumped my money, and lost it, into stocks that were obviosuly going to lose money.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Creditor : Caine & Weiner Acct # XXXX