davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (NV)

I submitted a non fraud dispute with this company XX/XX/XXXX regarding an item ordered on XXXX that wasnt received when expected due to the tracking also disappearing through the app. 
I provided additional documentation on the email provided and was told there would be correspondence. Once the product came on XX/XX/XXXX and put it in the mail to sender I requested a refund through the XXXX app ( still no correspondence or update on my banks side ) but the request was then approved for refund through XXXX app but on my side I still see no correspondence or update on my dispute from my bank so I decide to call into XXXX around XX/XX/XXXX. I was told by XXXX that the refund was in processing and would take XXXX weeks. Upon waiting so long I called XXXX today on the XXXX and was told that due to my dispute with my bank, my bank would have to provide the refund not them. So I called into the bank and they told me it would take 45-90 calendar days for an update on my dispute and thats all the information I was given. The agent was very nasty and kept pushing back at the fact that I was requesting more information as its been almost a month and Im only getting updates from XXXX. I asked for escalation and after being put on a XXXX minute hold I was transferred to a supervisor XXXX and I asked her for an update on my dispute, does it qualify for provisional credit as it has been almost a month and I havent had any correspondence from them and I also told her what XXXX said about them having to issue the refund on their side since the dispute was still in action. She stated because it doesnt break reg e my dispute doesnt qualify for provisional credit at this time. I quoted back to her what reg e was in this situation and she then stated that she just received an update on my claim on the XXXX but couldnt tell me what that information was and then proceeded to tell me she could withdraw my claim so I may get a refund and shed email me a document showing the cancelation and etc. I have not received anything from them in correspondence still almost a month in and feel they have broken reg e by not XXXX due diligence in the dispute process. Now Im not sure if I will receive my money for a product I dont have and mailed back after receiving over a week after the listed arrival date and Im frustrated because my bank is not doing anything to support me or advise me in the situation ; I am being misguided and lied too.i wish no one to have to deal with this kind of situation because you bank with your bank for support and security, if your bank cant provide either what are you supposed to do on this situation?
Consumer complaint received 2024-06-12
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. (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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX Complaints Planning and Reporting Barclay Executive Office XXXX XXXX XXXX XXXX, DE XXXX Subject : Bait and Switch Credit Card Application Dear XXXX XXXX : On XXXX XXXX Flight # XXXX XXXX XX/XX/XXXX, an attendant promoted application for the AAdvantage Aviator Mastercard and gave my partner and me each an application form which he said we could fill out on-line once we are home, which we both did. Logging on to MyAviatorCard.com we both opened the application website where it clearly stated in two places that the first year annual fee of {$99.00} is waived. No problem for my partner who received his card and statement without a fee. I, however, received my card and statement showing there was a {$99.00} annual fee, account ending in # XXXX. 

I immediately followed up on XX/XX/XXXX, talking with Tambla ( sp? ) and XXXX who both said they could not help me and that it could take up to XXXX billing cycles to clear this up. I stated the promotion ended XX/XX/2024, therefore this would not be acceptable. Case # XXXX was supposedly set up. On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) who stated there was nothing they could do about removing the {$99.00} annual fee as that is how I applied. I pointed out, and asked him to even go on-line to the XXXX web site and see what comes up as I have done it numerous times and in each case the opening frame states in XXXX places that the {$99.00} annual fee is waived for the first year. ( I even did it again today. ) I pointed out I would never have applied for the card if I saw the fee was not waived for the first year as it states in the application received in flight, confirmed by the attendant, etc. The response was the web site offers can change and there is no way the fee can be waived. A written response received states in part .theres an annual fee billed to your account as the application channel like booking path have different introductory offer on the account Therefore, I am formally filing a Bait and Switch Complaint with the federal and state agencies that oversee financial institutions including Barclay Bank . I just dont understand how Barclay could not honor its promotional materials by saying offers change on the web site. I am not stupid and would never have applied if it showed the fee was not waived. Again, my partner, sitting next to me on his computer, logging in to the same web site from the brochure, got his fee waived. The {$99.00} fee now is not my major concern and it will be paid, but my major concern is bait and switch and the refusal to honor an honest application by saying offers change.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXX, XXXX with account number XXXX XXXX  # : XXXX need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report. 
In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : I.C. SYSTEM, INC with account number XXXX REF # : XXXX need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report. 
In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (TX)

Chase Auto called me at XXXX XXXX  XXXX and threated me. 
XXXX Ext XXXX Just to refresh Chase bank memory of Law Under act 15 U.S. Code 1692f - Unfair practices ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (TX)

Hard Inquire- Due to XXXX , XXXX and XXXX has opening settlement. I do believe my information has been given out. Which has caused harmed to my credit.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OK)

On XX/XX/XXXX FIFTH THIRD BANK charged me 4 payments of {$19.00}, {$370.00}, {$390.00} and {$390.00} totaling out to {$1100.00}. On that day I had an automatic payment scheduled, but was called from representatives from the bank saying I had not made my payment. So I then manually putting one in through the app, but then later in the day I received more calls and was told I hadnt made a payment or they didnt work. I confidently thought I had, but the representative assured me there were none pending and no way there were any other payments going to come through. So after he heavily insisted I make a payment through the phone call I did, thinking the app was broken that Id made the previous payments on. Then in the following the days I noticed the four payments draft from the bank account equalling almost {$1200.00}. This scared me very much the amount was larger larger than even my mortgage payment and not only drained my bank account but left it negative. I spent almost two hours on customer support was hung up on five times, transferred around and ended up with no one that could help. That money was not something I had extra of, Im a XXXX XXXX XXXX single father with a XXXX year old daughter and have a very tight budget and not only did this cost me overdraft fees from routine bills to my bank, I also now can now pay my og & XXXX XXXX  and have a shutoff notice now and then the rest of the utilities will follow short behind that. That {$1100.00} they took and refused to work with me to get it back was all the money I had and all the money I had for food and essentials for another two weeks. This has left me crushed and really hope yall can help me find a solution and for others in the future, thank you.
Consumer complaint received 2024-04-16
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. (OK)

XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that XXXX, XXXX and Equifax permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.
Consumer complaint received 2023-06-23
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Freedom Mortgage Company (NC)

FREEDOM MORTGAGE CORP fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). FREEDOM MORTGAGE CORP is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

Lvnv funding Llc is reporting false information on my credit report and will take legal action if necessary. This alleged account has an opening date of XX/XX/, which is impossible as I have never had any dealings with this company at any time. It is important for credit reporting agencies to accurately reflect a person 's credit history, and I will not stand for any discrepancies or false information. I expect this matter to be resolved promptly and without further issue. Also, I have disputed this with XXXX  and they are reporting false information.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-03-08
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: Diversified Adjustment Service, Inc. (TN)

Im trying to fix my credit and today Diversified Adjustment service / XXXX  are reporting a debt thats not mines nor have any knowledge of debt/account. I contact them both to get information and to inform them this debt/account is fraudulent. They both mentioned to contact the other, I just want this account deleted and removed immediately. According to the 15 U.S.C 1681 law there shouldnt be any damages on my report, its a defamation to my character.
Consumer complaint received 2024-01-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company (FL)

I called Freedom mortgage 3 years ago and asked why I was still paying PMI and the representative told me I was not paying PMI. Later on I realized I am PMI still and he was dishonest or mistaken. I have called and written requests of removal 4 times and each time they give me a different answer each time with a new denial. Freedom Mortgage sent me a letter with " GREAT NEWS '' stating My home value was {$600000.00}. My loan with them is now {$120000.00}. My original loan was {$150000.00} with over {$7000.00} put down for closing. 

The law states that I should have my PMI removed and I want to file a complaint that they have continued to refuse and deny the PMI refusal for their own financial gain and nothing else. That the threat that PMI was intended to protect them and is no longer there. 

PMI Cancellation Act benefits me under the right to remove PMI once you have reached 20 percent equity in your home ; that is, once your loan balance reaches 80 percent of the homes original value. So, I get a 2 percent jump here, which saves me from having the PMI payment.

For example, 20 percent equity in a {$300000.00} home means you can submit a cancellation request when your outstanding balance is {$240000.00} {$6000.00} less than the 78 percent equity threshold. 

I QUALIFY BECAUSE I HAVE DONE THE FLLOWING : -- -I have made the PMI cancellation request to my lender Freedom Mortgage in writing. 
-- -I have been current on your mortgage payments, with a good payment history. 
-- -I haveno other liens on the home or second mortgages. 
-- -I recieved Freedom Mortgage 's very own appraisal in the mail stating my home was valued at {$600000.00}. My homes value has skyrocketed not to mention the entire home was completely and elegantly remodeled. That notice of the value directly from Freedom Mortgage is attached. 
-- -My original mortgage was $ XXXX and now I owe {>= $1,000,000} ... ,20 % equity is {$31000.00} which calculates to {$120000.00} BELOW WHAT I OWE SO I DEFINITELY QUALIFY!