davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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 Federal and XXXX XXXX Missouri Laws Dear MONEYLION, I am writing to address a serious 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 ), and identity theft fraud laws specific to XXXX XXXX XXXX Missouri. 

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 emphasizes the importance of consumer consent for credit reporting. Furthermore, identity theft fraud laws in XXXX XXXX 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 Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. 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 XXXX
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Mr. Cooper, formerly know as Nationstar, is reporting erroneous information regarding my payment history to the 3 major credit bureaus causing me to have undue stress.Since they acquired my account in XX/XX/XXXX from XXXX, there has always been some sort of problem. In XX/XX/XXXX, I spoke with XXXX XXXX a manager regarding the removal of the escrow from my account. He informed me that I had to pay {$2700.00} to have the escrow removed and make my mortgage payments what they previously were {$800.00}. Nationstar received the payment of {$2700.00}, Confirmation # XXXX, however, they continue to put my payments as late payments or missing payments. I have spoken with multiple people there almost on a monthly basis to try to correct this problem. here are some of the names of the employees, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have attached my banking information showing the amounts paid with the confirmation number. Mr. Cooper is saying I have a late payment more than 30 days. On XX/XX/XXXX, I spoke with XXXX XXXX regarding my account. She initially stated I was in arrears. After reviewing my account she stated she could see where I made the payments but she could not find where they posted the XX/XX/XXXX payment. After further review she said she found the account where it was posted, a holding account, but did not know why or how to get it removed. I was told she would call her manager, XXXX XXXX, and get back with me within 48 hours. As of today XX/XX/XXXX, she has not called back nor has she responded to my calls to her direct line. My complaints are Mr. Cooper is : reporting erroneous information causing me to have a negative reporting mark, misapplied payment history creating an inability for me to refinance, misappropriation of funds, causing my credit score to be low. 
XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 5XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 8XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 1XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX All of the above payments were made via online banking. A copy of the bank statement is available upon request.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (WA)

Ive had an Avant credit card for nearly 4 years and have never had an issue until XXXX of XXXX  when I accidentally used a closed bank account to pay my bill so I was assessed a late fee which if I hadn't checked the payment i would have never known the website said minimum payment was XXXX no accurately reflecting how much I owed for the minimum so in XXXX made a XXXX payment and my account was still negative because the paper statement said my minimum due was actually XXXX not the XXXX it said so I got another late fee and the member fee was assessed in XXXX but didn't show up until this month so I made a payment of XXXX this month and the website said my minimum payment was XXXX but the paper statement says XXXX checked this morning and now the account says i owe XXXX payment for XX/XX/XXXX after i paid XXXX they keep changing the amounts after I make the payments they don't notify anyone of returned payments they assess late fees but its not accurately reflected online only on there paper statements i can't access those statements on there website cause the links are broken I canceled my card today and they are now saying there going to assess me a late fee every month till the balance is paid on full I would like to have any improper late fees returned and any future late fees assessed to be stopped considering there are no late fees cause on paper my XXXX balance has been satisfied just not on there website where there encouraging people to go paperless so they can rip them off by breaking the links to the statements
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (IL)

I received a notification from XXXX stating that I have a collections account on my credit report from JJ Marshall Associates, with XXXX XXXX, a property leasing company as the original creditor. 
I contacted JJ Marshall via their telephone number, ( XXXX ) XXXX. They helped me learn that my details were used to lease an apartment in XXXX XXXX, Indiana, and the leasing office has placed a debt collection in my name. 
It is evident that this fraud was committed by someone using my name and details, and I would like to state that I have never lived in Indiana. The apartment in question was added to my credit file back in XX/XX/2023, which I disputed with XXXX and got deleted from my credit file. 
I am attaching the dispute report I filed with XXXX to remove the address and telephone number. I am also attaching the XXXX  of the collection account for more details. 

Thanks & Regards XXXX
Consumer complaint received 2024-01-09
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. (VA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has yet to resolve the issue. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened up a new checking and savings account with Chase after receiving a promotion offer for a total of {$900.00}. According to the terms of the promotion, I had to transfer {$15000.00} into a new savings account and arrange a direct deposit into a new checking account within 90 days of opening the account. 

I arranged various direct deposits but did not receive the bonus. I called Chase on XX/XX/2024 and spoke to XXXX who identified himself as a supervisor in the escalation team. 

He advised me that the only direct deposit that would qualify for the promotion was a salary payment or a payment from the Government. He confirmed that a direct deposit that was set up for a tax refund from the IRS would qualify for the promotion. 

I was told that the conversation was recorded and he provided me with the following reference number : XXXX XXXX XXXX. 

I followed XXXXXXXX XXXX advise and set up the direct deposit on my tax return. A direct payment from the IRS was paid on XX/XX/2024. 

I subsequently contacted chase through secure mail and was advised that I had not met the requirements and that a payment from the IRS would not qualify. 

On XX/XX/2024 I called Chase and asked to speak to a supervisor who identified himself as XXXX. The reference number is XXXX XXXX. He told me that the IRS does not qualify. 

The terms and conditions copied below also state that a direct deposit from the Government would qualify. The XXXX XXXX XXXXXXXX exclude person to person payments but do NOT exclude tax refunds or payments from the IRS. 

I believe this amounts to false advertising. I deposited {$15000.00} in an account that pays virtually no interest. Over the last three months I have received a total of XXXX cents in interest ( see copies of screenshots ). 

Terms and Conditions- To receive your bonus you must-- Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits such as Social Security from your employer or the government. Person to Person payments such as XXXX are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than {$1.00}, that are sent to your account to verify it is the correct account After you have completed all the above requirements, we will deposit the bonus in your new account within 15 days. Important Bonus Account Information- You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT or Form 1042-S, if applicable.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (AL)

One Main Financial in XXXX, AL tricked their consumers to sign up for optional products and they were telling borrows that they could not get approved for a loan unless they signed up for these additional services. I was a customer from XXXX.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I was XXXX. I stayed XXXX  until XX/XX/XXXX. During this time my TD bank debit card and phone which contains my PIN number was stolen presumably on XX/XX/XXXX, starting on that day funds where being stolen out of my account everyday. I was only able to shut down my card and stop these transactions when I came home but unfortunately the thief got a way with withdrawaling all XXXX $ out of my account. Within few days of this incident I filed a police report explaining to them what happened and then I collected my papers showing the dates I was XXXX  and therefore not even able to authorize these random transections. I went in to the bank, filled a claim, and provided them with the police report. Then when I tried to give the lady at the bank documents saying that I was XXXX  during the times of all these unauthorized transactions, she told me she doesnt need them an that I would receive a email and I can upload that proof there. I never even received that email to upload proof, but they still denied my claim very quick with no questions asked. I feel as if the claim dollar amount was much lower then they would have no issue resolving my claim, but due to it being a larger amount they dont want to honor my consumer rights by any means. My account was hit with overdraft fees a put in the negative after this incident and this has been affecting me mentally a lot. Its very unfair and disappointing to be let down in my hardest times by the bank I have been using for 7 years.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (CA)

Zelle are trademarks of Early Warning Services , LLC for which I'm complaining about both companies to the Consumer Protection agency, the State Attorneys, the FTC, and every governmental institution out there can read my case/complaint. 

As part of account opening and services provided to the client, a XXXX XXXX offer customers, Zelle services XXXX These Service come within the agreement to be gargantee for the customer as part of the transfer money services and free of charge. On my most recent account opening experience and enrollment in Zelle I've noticed the company ( Zelle ) had flagged my emails ( Use within Zelle ) preventing me from even using Zelle or even changing them so I can enjoy my account services to its fullest. It was brought to my attention my account was not getting unrestricted despite severals attempts from my Bank to request the removal of the restriction to Zelle services. My Bank had told me Zelle is not un-restricting my account due to Fraud being reported on previous account ( that used those emails ) which rises so many questions. 

What does fraud report for specific transactions ( not involving Zelle XXXX has to do with my ability to use Zelle on a new Bank account? 

Why is Zelle acting as a Bank when the actual Bank is requesting the un-restricting status to my emails? 

Why is Zelle ( a paid service by the Bank ) restricting customers to use it Services when they getting paid by the Bank as a XXXX party and their services are free for the customer? 

All in all, my meals address XXXX XXXX are restricted because Zelle decided to use filters that reads consumer reports from Early Warning to weather or not decide the transaction goes through or not, a direct violation the the Bank policy, acting as a sole Bank and restricting services. 

All this information was provided by my Bank and they claiming Zelle for not allowing me to use its services within my Credit Union account DESPITE THE FACT I have Zelle in XXXX other Bank accounts I won't be disclosing here.
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am wondering what process of investigation you are wasting that despite previous escalation of my dispute, you will advised that I had to wait for 30 days for the investigation yet there was no progress for so long already. I am writing to dispute and request the removal and update of an inaccurate late payment that continues to stain the reputation of my creditworthiness on my credit report. 
Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to emphasize that this late payment is inaccurate and does not reflect my credit history accurately. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report has a detrimental impact on my creditworthiness and financial standing. I am committed to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Once again, Mr. Cooper has continued to research and find answers to our question regarding our loan. Because of this reason, we have now uncovered the beginning of this ordeal, starting from XXXX. Where apparently the loan became pass due : We have received the arrearages/past and a due letter of explanation. Thank you. However, we could not follow what happened with two payments of {$1200.00} on XXXX and XX/XX/XXXX? After researching, the arrearages which reflect XXXX payments and not any discrepancies post-BK which was deemed paid up to date. According to our notes, we requested modification during the start of XXXX. We are requesting an itemized statement to account for a balance of {$15000.00}. As of todays date XXXX, with the help of the representative from Texas ligation/financial help department, we are requesting modification aid and we are appealing the recent 6.85 % interest rate. As a result, the modification documents due XX/XX/XXXX should be voided. Mr. Cooper has responded over the phone the interest rate of 3.85 % was an error and could not be granted. Furthermore, we were told this could not be granted because we were already delinquent when XXXX suffered a flooding disaster.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (IL)

SoFi is closing my account because I have been compromised and all my information is on the black web and people are using my information and they say I did not go by there money agreement.this is wrong of them to do customer like this.I still have money in my account and I have a direct deposited coming in next week and it to late to try and have it transferred to another bank. They are saying that I have violation of there money agreement if my account is compromised I dont have any control of it
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (AZ)

I paid my debt for a lower agreed upon amount using their smart negotiating tool online which allowed a lower payment if paid in one lump sum. They continue to report that I still owe {$43.00} which is the amount that was reduced since I paid as 1 lump sum.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (GA)

I never received a notification or statement on my chime banking app when allegedly I was declined of a payment on XX/XX/year> due to that my bill was never paid and now Im not able to pay my bill using my bank I only can pay in person and I have no way of getting there and I have to pay a late fee and my electricity might get turned of due to the fact the I have been allegedly declined when I called chime the agent told me ( on a record line at approximately XXXX XXXX XXXX XXXX ) That the policy is that we dont send notifications for debt transfers which was false according to the terms and conditions upon asking for more information the agent hung the phone up in my face in the middle of my conversation
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

My account was closed, but I still had money in the account, the bank said they would mail my a cashiers check but it never arrived, when I call they just keep telling me to wait 10 days or they send a new check. check never arrived, my funds are missing.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MO)

I received an email at the end of XX/XX/XXXX saying they were closing my account and they have yet to tell me what i have done to cause that and since XX/XX/XXXX I've been fighting with them to get my closer check. I've been fighting with them to update my address and i keep getting the same run around with them saying give it anywhere from 14 to 30 day and you should get it. Its been months.
Consumer complaint received 2024-05-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

On Saturday XX/XX/XXXX I recieved a XXXX dollar Visa prepaid card from a work training event, and using this card I attempted to order a new purse online ( from XXXX ) and it didn't work. From a little research I learned I needed to connect my name and address to the card at the prepaidgiftbalance.com shop in order to shop online with it. I did this and the card still didn't work, telling me that my 'card issuer rejected the transaction '. I activated my card, added the information they asked for, and I'm still unable to use it. Online somebody said it's possible the card issuer could have limited my card due to suspicious behavior but I don't understand how that could be done without me knowing.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I received the notification on my Credit monitoring stating that I had a new inquiry today XX/XX/XXXX this morning at XXXX. The inquiry States CBNA pulled my credit. Ive had an issue a month or two ago with someone tried to apply for a credit card under my name without my authorization. I did not authorize anybody to apply for anything nor did I attempt to apply for any product with Citibank. I am not sure if they were approved or declined for whatever they applied for so I would like some clarification on that as well because if an account was open, I would like it closed immediately.