davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC (PA)

I brought Some tables back in 2022 of XXXX when they came they was cracked XXXX broken i reached To the company i brought Them from which was XXXX XXXX  they said they would send tables out but they was out of stock months later they stopped answering my messages through online i gpt I touch with u own leasing they told me if i would Pay XXXX they would marked it as paid being as though these tables came to me cracked and broken up from the shipping and handling Than after about two months leafy started connecting me about full payment when in fact i wasnt Told it would be full payment i have Included emails from furniture XXXX and leafy to prove my point these tables came to me messed out and broke XXXX cracked but they wanted me to pay full price on an item that wasnt how they supposed to have came which is very wrong on my behalf as a customer
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXXt Account # XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This morning, I found out the following issue, by the email notice from XXXX. 

This morning I have realized that my subscription orders, which must have been paid by the credit card ending in XXXX, were mentioned by your company as void for payment. Since I. have already written to your company, which have happened recent illegal usage of credit cards, which issued by another bank in the United States, and credit card, which I tried to use yesterday for the transactions with your company, I wish you will investigate this matter seriously and make be possible to buy and have the business transactions safely and legally. Because I realized that one transaction, which I did last night with your company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seemed to be charged correctly, I wish you will explain why this discrepancy existed. As I have stated the previous letter written yesterday, XX/XX/2023, I wish you will provide safely usable replacement card to me. I enclose the transaction history of your company.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IN)

The XXXX major credit bureaus have this account on my credit and i haVE BEEN AT LEAST A YEAR OR MORE WRITING MANY LETTERS TO Them TELLING THEM ITS not MY ACCT, They refuse to help me or take the acct off my credit reports. 

LVNV {$590.00} XX/XX/21
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX 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 2023-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of a fraud ring involving multiple transactions -- all Cash Advances. In 15 years of being Bank of America customer, I have never taken out a cash advance. I submitted the transactions as Fraud and one claim has been paid. The other follow a similar pattern -- initially the transactions are removed, then after a few weeks the claim is denied and the transactions are placed back on the account. A letter is sent stating the " chip was read '' or " statements were sent to your address ''. When I ask for the evidence used to arrive at the decision, nothing ( literally nothing ) is sent to me. Once the transactions are back on the account, it's an endless loop of denials and reopening -- meanwhile I'm stuck making payments for fraudulent purchases. I have sent in all items requested, including a police report. Bank of America has not conducted a reasonable investigation of my dispute and therefore is in violation of FCRA. Bank of America is also violating the terms of its own Credit Card agreement : Unbeknownst to me until this fraud occurred, the cash advance limit is {$4800.00}. The Fraudsters have been able to charge almost {$15000.00} in cash advances.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This past XXXX ( XXXX ), I closed my credit card account with Bank of America ( BOFA ). While on this call, I asked the customer service representative when I could expect to receive my {$100.00} security deposit back. They informed me that I would receive my deposit back within 30-90 days. 

I waited approximately 90 days, and called BOFA again on XX/XX/XXXX. On this call I asked about the status of my {$100.00} security deposit. I was informed that I should have received the {$100.00} by check in XXXX of XXXX. I confirmed with the customer service rep that the address on file was correct. I was informed that the check had never been cashed. I was then told I would be receiving a new check within 5-7 days. 

By XX/XX/XXXX, I had still not received a check. I called customer service hotline again, and received a different answer. Customer service said that I should have received the original check in XXXX, not XXXX. Again, it had not been cashed. I was then told that I would be receiving the {$100.00} deposit to my checking account within 5 days. 

It is now XX/XX/XXXX, and I have still not received my {$100.00} security deposit back. 

It is very difficult to get ahold of a customer service representative, yet alone a representative who I can inquire to about my {$100.00} credit card security deposit. There is not an option in the call menu for this situation, and their AI phone menu does not recognize any key terms related to security deposit. I also did not receive a follow up email from the last two calls I had, which was slightly concerning to me.
Consumer complaint received 2023-10-23
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: AMERICAN EXPRESS COMPANY (IL)

I purchased AMEX gift card from XXXX in XXXX, Illinois on XX/XX/23 @ XXXX XXXX. I have an electronic card activation receipt from the store. I called the number on the back of the card to activate my gift card. It informed me to wait 40 minutes or so before I could use it. When the time was allowed I proceeded to use XXXX to pay for an advanced purchase. The card was declined. I called XXXX and they said it was being declined by the issuing bank. So, I proceeded to call the number on the back of the card and was told at that time to wait 24 hours. So, I did. My balance at the time was exactly {$240.00}. The next day after my 24-hour, wait period, I attempted to pay for my purchase and it still declined it. So, I immediately contacted the number on the back of the card and as I spoke with a representative it was discovered that the card was compromised. During the same conversation, a dispute claim was filed. I was told I was going to receive an email for me to add any additional information but I never did. I called not once but twice to inquire about the email. I was told that it would take 5 business days to receive an email then during the second call, I was told to check my junk mail which I had. Lastly, was told that it would take 45 days to receive the email. As of today, I received an email denying my dispute. The company is assuming that I made these purchases outside of my city. I know banks deal with a lot of scammers but not everyone is. I feel offended that they just assumed this and were so quickly to dismiss my case. I know the gift card amount is not huge but for the average person struggling in this economy it is. I feel communication was handled poorly and the outcome.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

This is XXXX XXXX XXXX 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 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COLUMBIA BANKING SYSTEM, INC. (SC)

We financed 2 pieces of equipment with Alliance Financing We were then told our payments go through another Company '' Financial Pacific Leasing '' Everything was fine ( we have auto draw from our bank account ) until we needed to switch our bank On XX/XX/XXXX, I informed XXXX XXXX XXXX that we were changing banks She went me a form to give her the new Account info Then on XX/XX/XXXX, I was informed XXXX doesn't handle that That was when the horror began with " FinPac ' ( Financial Pacific Leasing '' No one could confirm my account I filled out numerous forms, they still said my account did not exist Finally, my bank wrote a letter I was still charges over {$100.00} in late fees ( we have 2 contracts I cant get a statement of my account ( only XXXX XXXX can do that I have requested a statement 6x 's ( in writing ) No supervisor will speak with you I need a monthly statement and a statement of my payments.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-10-23
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I can not access my Equifax report. I called customer service to notify them that I can not see my report. They told me that nothing was wrong with my report. I checked the Equifax website and it says that my report is blocked due to " promotional purposes ''.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MN)

I divorced my husband XXXX XXXX, XXXX. The divorce decree states that he must refinance the home we shared within sixty days. To date he has not, and I am told can not. On Monday XXXX XXXX, XXXX I applied for a personal loan for a vehicle and was told I am in foreclosure. I have missed XXXX payments on my mortgage so with further explaination I discovered it is my exhusbands house in foreclosure and I am still on the mortgage. When I divorced my husband the Mortgage holder was GMAC. Since this time he has a new mortgage company and has modified the loan and the lender named OCWEN is now the new mortgage company. I have received no communciation from this company, no notices of late payments, and now I find out XXXX XXXX, XXXX his home is going to Sheriff Sale. He owes XXXX and its valued at XXXX. How can this loan have been changed at all without my signature and approval? I called this company since they are listed now on my credit report and they will not speak to me, yet confirmed I am a liable party on the mortgage. This mortage company must have allowed him to make all of these changes without my signature. I am told you may be able to assist in this matter.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2023-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (IN)

I created a high yield savings account with Synchrony Bank because of the interest rate. I transferred {$13000.00} and {$2000.00} into the new account. Following those transactions, synchrony bank restricted the account and then blocked my internet access. I called Synchrony Bank to find out what was wrong, but they stated their back office is looking into it and will get back to me in 2 to 3 business days. It's been longer than the days specified by Synchrony Bank, and my account is still locked and under review, retaining my {$15000.00}. This is incredibly terrible service from Synchrony Bank and very unacceptable. The account I just opened is already giving me hassles and making me run around for my money.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Albert Corporation (IL)

I subscribed to genius plan from Albert on XX/XX/XXXX at a cost of {$14.00}. They make it seems like this is required to use their payroll advance service. After enrolling and providing payment information, they signed me up ( without a separate acknowledgment or approval ) for an auto-saving/investing service, where they periodically withdraw funds from your regular checking account and invest it in funds controlled by Albert. Please see attached screenshot for the dates of deposits. 

I planned to cancel the subscription before it renews, so I went to the cancellation page on XX/XX/XXXX. The portal will not allow any cancellations while Albert holds any of your investments. I requested to withdraw any investments on XX/XX/XXXX, but as of XX/XX/XXXX the funds are not available and I have been charged a {$14.00} fee to renew the subscription for another month. When I attempt to withdraw the funds it shows that no funds are available. I feel this is unfair because the cancellation terms were not disclosed at the time of subscription, and I did not affirmatively invest funds through Albertit debited my checking account automatically.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (TX)

I took out a credit builder loan with Moneylion. The promise for paying off the loan was that credit reserve funds will be disbursed to my account once paid off. Ive waited over a month and still no resolution. Ive called and chatted with different representatives and they have given me the same answer, thats its with our investigation team. I am not sure why its taking this long to investigate a process that Moneylion themselves promise to their customers.

Ive been a loyal customer with Moneylion for years and never had an issue with their products until now. Ive experienced financial burden from budgeting as a result of the credit reserve funds not being released.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Back in XX/XX/2016. I was approved from FLORIDA HARDEST PROGRAM, which reinstates my Loan to its Original Principal Balance ( {$87000.00} ), which includes installments of principal, interest, insurance premium, escrow amounts for taxes, homeowner association fees. 
But Nationstar / Mr. Copper did not hold up their end of the deal as per the Rider to Promissory Note provided by Florida Hardest Hit Program. They have refinance a totally different amount ( {$100000.00} ), plus they have kept the homeowners association fees to them self ( {$10000.00} ), instead of paying my Association, who is now declare a foreclose on my property due to the bank never reimbursing my Association fees.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX in XXXX KY, caused me injury and refused me medical care, there denial made me unable to work and they KNEW PRIOR to sending me in that job not my job to cover someone else XXXX XXXX plant mgr and XXXX  XXXX  HR and XXXX XXXX, mqe - was told by XXXX XXXX, tick infestation in Ext 3 ( prior to XXXX XXXX XXXX ran XXXX XXXX for 15 of my working years .. no ticks in buildings ) were told NONE reported to safety guy XXXX XXXX , they willing send me in, I get tick bit in XXXX .. had to file chapter XXXX. And then CHAPTER XXXX as the refusal cost me personally, XXXX a week ... w/c been {$800.00} w medical paid ... they refused I had to sue .. and evidence they didnt fill report out until XXXX ... and I have a w/c claim * how can I get the chap XXXX and bankruptcy chapter XXXX? As my health is destroyed why is my credit? I have proof I made $ XXXX a week .. they denied me, but knew I was bit. IS THERE A LAW -or way to make the chapter XXXX XXXX XXXX denial to pay me accurately .. as why is this held against me,?? 
I have proof, I ask for medical care 2 weeks after and denied ... 
I have a court case coming against them? 
Help me get my life, credit, it can show BUT NOT AGAINST ME.. XXXX XXXX XXXX SS XXXX XXXX XXXX - also I had identy theft and need the {$4900.00} stole out of XXXX XXXX XXXX FDIC IN XXXX KY XXXX ATT. and XXXX XXXX of XXXX XXXX allowed XXXX copy see XXXX suing XXXX I had 56 credit apps False applications Fake credit scores. * federal government help me right the wrongs * discrimination as my life is ruined, my health