davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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: MoneyLion Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear MONEYLION, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Section 407.970, and identity fraud laws, specifically Missouri Statutes Section 570.223 . 

It has unequivocally come to my attention that MONEYLION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 407.970, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri Statutes Section 570.223 establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Statutes Section 570.223, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MONEYLION to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MONEYLION immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 407.970 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MONEYLION will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (WY)

My husband XXXX XXXX and I, usted to have a join account in Wells Fargo. XXXX weekend, the balance showed we have around XXXX $ available for spending and considering we are the consumers and we rely on Wells Fargo calculations methods and balances we trusted their calculation and information and used that money in food bills, etc. 

To our surprise, the next week they surprised us with a XXXX something balance without better explanation and the transactions were not clear to understand where did we went and overspent XXXX XXXX 

We were plan on resolving this issue with the then, a month past os sit and XXXX day they just closed the account and start to send send bills to us, call every week days and call even on Sunday mornings. 

They did not take the time to clearly breakdown how did we ended XXXX XXXX 

My husband XXXX XXXX got a call from them saying the only way to solve this issue is going down to their offices and paying the balance. No willingness to talk and find a common ground or any other alternatives. 

Since then, the calls wont stopincluding weekends. Once they explain this charges in details and assuming they are correct which we are both sure, we would like to discuss a settlement option. If they are not correct, we want this persistent communication tactics to stop. 

I attached the only page I can found so far of the mail sent to us that does not describe into detail what do we owe and why. I will keep looking
Consumer complaint received 2024-05-24
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 (FL)

I supposedly made a purchase through a page called XXXX on XX/XX/2023 for an amount of {$210.00} from my Apple Goldman Sachs credit card. 

I don't know about this transaction
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be deleted by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VI XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

On XXXX, I was notified by XXXX  XXXX that " There was a change in the payment status of XXXX of your accounts, '' which upon reading I went into the XXXX  XXXX Mobile app and went to the " See Details '' section of XXXX, the free credit monitoring feature attached to my credit card account. I discovered that my credit score was decreased by XXXX points. I went to the Alerts section and saw that AesXXXX XXXXeported my student loan account as delinquent on XX/XX/XXXX to XXXX. On that day, XX/XX/XXXX, Aes/XXXX XXXX XXXX reported my student loan account as delinquent to XXXX. This was due to a payment of {$14.00} that was past due from XX/XX/XXXX. I also had another payment of {$13.00} that was due on XX/XX/XXXX. 

Immediately upon realizing this amount was overdue, I looked at any efforts to notify me of this account going delinquent before it did so. I knew that I have never been more than a couple days late with payments in the entire history of the loan ( since XX/XX/XXXX ). 

Upon checking my inbox in the Aes website, I discovered XXXX reminder on XX/XX/XXXX about the aforementioned interest that was due and overdue. I discovered that on XX/XX/XXXX, I was also sent Paper mail regarding my student loan account being overdue for a payment. I looked through my file, and learned that it still had my old home address. However, I had a forward active with XXXX since XX/XX/XXXX so that I would still receive my mail regardless of the address on other accounts, and since I check my mailbox every week, I would have seen a letter from Aes, which I had not. 

I immediately paid the entire balance of {$27.00} that was due, and even paid the interest of {$14.00} that was posted the day after. 

On XX/XX/XXXX, I discovered another letter that was actually sent to my previous address from the XXXX XXXX, XXXX that states that this delinquent account was submitted to them, a DEBT COLLECTOR, wherein the letter it states, " As of the date of this letter [ XX/XX/XXXX ], you owe {$0.00}. '' In addition to reporting my account delinquent, Aes submitted my information to a debt collector for what it seems like no reason at all, and yet, it significantly decreased my credit score ( and has not improved since I made the payments due ).
Consumer complaint received 2023-12-12
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (CA)

I am sending this complaint to dispute this account on my credit report that resulted from identity theft. This account do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

This is the fraudulent account on my report : XXXX XXXX XXXX.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NY)

I am a XXXX XXXX  XXXX resident. Received this week a lien on my account for {$1000.00} for an amount due to XXXX of {$5600.00} for a XXXX DEBT apparently. I have not had a XXXX account in over 20 plus years yet they were able to get into my account without a legal document presented to me. This morning XXXX XXXX XXXX put a double lien on my account for {$9800.00}. I had less than {$4000.00} in my account. Now I can not use my banking account as it is blocked and overdrawn for {$9800.00}. I have asked the law firm Pressler, Felt and Warshaw to provide back up documents and have not heard. They said they had to ask XXXX. They should have had this already if they put a lien on an account. They claim to have had this since XXXX. Even if there is a debt it is way beyond the XXXX XXXX XXXX  Statue of Limitation and they refuse to hear this. They simply say pay the debt. I will not pay on something I do not remember. 

I have no records dating back 20 plus years. I want my account restored but XXXX XXXX XXXX who says I have to resolve it with the suing law firm. The law firm refused to work with me. I would first like to complain about the credit collection agency that after 20 years want to put this into collection. 

Company submitting the lien is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (NV)

I bought a XXXX XXXX in XXXX XXXX XXXX ) on XX/XX/XXXX. I meant to buy the product in the installment payment, however the Apple Store employee did not do so. She informed me that I can still call the Apple Card and switch it. I did that the same day. 

I was not informed by the Apple Card Specialist that doing so would mean this product would NOT show up on my Apple Card Wallet. I only found this out on XX/XX/XXXX. 

Each month thereafter, I receive a charge on my card. However, this charge is not formally documented on my transactions. 

After reaching out for months, the only response I receive is that the payment is going to the installment plan by word through Apple Card support specialists. The transactions should match the amount that being charged and what I ultimately pay. I would prefer this in a formal document ( on paper and in writing ). 

The most recent response that I received on XX/XX/XXXX is for them to just emailing and physically mail me my statements, which are not accurate. 

Another related issue to this conversation to an installment plan I am unable to make more payments besides the designated monthly payment amount.
Consumer complaint received 2024-01-30
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. (PA)

This is a complaint that this company is in violation of the FCRA. On XX/XX/year>XXXX  I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (NY)

WELLS FARGO. Have charged me {$21000.00} of unpaid second principal balance. Which I do not know nothing about. I never took out a second mortgage. And I have always pay my mortgage on time. I would like for Wells Fargo to remove this obvious erroneous bill from my mortgage statements. On top of the fact they took out several unauthorized payments from my bank account 2, to 3, payments a month. Forcing me to take away auto pay from them. Please help me to recover this payments. Thank you.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

XXXX  has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
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: Chime Financial Inc (DE)

I had used my debit to make some on line purchases with a company called TEMU. Then I saw 6 charges appear on my account that I never made. I called Chime. Told them. They said they will look into it. They temporarily refunded the money. I had to use that money to pay bills. They called me back and just told me that the investigation was concluded and that the charges were valid. They told me that they will be taking their money back. I told them they can't, I don't have it now and that I didn't make those charges. I asked them how they can say that the charges were valid when I didn't make them. I told the person that the dollar amounts were also very similar ( within a few dollars ). To o avail, they debited my account {$550.00}. Now I have a negative balance because I'm no longer using that account now. I still have it though.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2023-11-30
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. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I sold my gmc envoy to a lady for {$5200.00}. The lady paid me with PayPal. 
PayPal chose to hold my money for about ( XXXX ) days before making the funds available for me to transfer into my bank account. 
When I attempted to transfer the money, it didnt transfer and I got a message that I couldnt transfer that amount at one time. I logged out of PayPal and tried to call them for assistance transferring my money. All I accomplished was taking to a computer for several minutes, and realized I was not getting anywhere! I then logged back into my PayPal account to find a way to get my money! No success! 
After I got home from work I called PayPal again. This time I was able to talk to a real person! They immediately told me that my account was closed, and my money had been successfully transferred!! After many days and countless hours on the phone pleading with them that I hadnt received anything, they said everything looked good to them.case closed!! My account had to have been hacked! If they would take the time to look! I refuse to let PayPal to not pay me the money that I trusted them to deliver to me. The money never reached my account! They are responsible for my money until I receive it!! I DID NOT!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I have been with Synchrony Bank via " Care credit '' which is a line of medically related credit. I always made my payments on time, online, using my same bank. When it came down to the last payment owed, Synchrony bank said that my payment was declined. I never wait until the due date to make payments, so I went and made sure the money was in fact there and that the account were accurate, and resubmitted the payment. Some days later I got another email saying the payment was declined. I looked online and Synchrony bank showed no balance, so I assumed the email was an old communication. But then I got ANOTHER email saying that my account was now flagged as delinquent. So again I went online to see what I could see about WHY the payment wasn't being processed. I submitted the payment AGAIN, but this time I also opted to speak directly to an agent immediately following my online submission. He suggested that the previous payments didn't go through due to insufficient funds, which was never the case. He also implied my own human error in entering the account information, which also wasn't the case as I had saved the account information on throt system for fast easy payments. He said he could see the payment attempts. I asked if there could have been an error on their side of the automated process, and if we could please go ahead with a manual payment to insure it would not be rejected again. I also asked what could be done about the credit reporting, as I have never made a late payment to them or to ANY account. He said that I would have to take it up with a credit reporting agency. Then Synchrony bank closed my account, citing dishonored payments as the reason! This is unfair credit reporting, as it wasn't my fault their system stopped accepting payments randomly at the last payment due! Please note that the account has been settled in full.
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

UDDAP ISSUE : I currently have a Home Depot credit card issued by Citibank. Every month, I make my payment on time and in excess of the minimum payment due. The excess amount of the minimum due does not get applied to the promotional balance, as setup by myself online and via customer service - multiple times. Because I work for a financial institution, Im very familiar with the CFPB regulations for proper payment allocations. Each month, I have to call in to get the payment adjusted correctly/payment allocation setup again and Citibank keeps telling me theyve fixed it. The agents do not complete the request. I am concerned with consumers that are relying on the system processing payments correctly, as they are probably being charged inadvertently with all deferred interest as they think payments are applied correctly. And when you call, the agents say they take care of the issue but never do. Ive taken all the proper steps but their system still doesnt work correctly. This is deceptive behavior!! 

Ive provided a screenshot of my statement where youll see the prior months adjustment done by an agent for the corrected amount of {$380.00} along with the newest payment made in XXXX for the total amount of {$300.00} applied to my revolving balance, whereas a the min payment dues was {$100.00} - {$200.00} shouldve been applied to the promotional balance.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Complaint XXXX Has taken more than 60 days therefore accounts it must be deleted. 

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

all wrong address must be deleted.