davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (AZ)

I applied for a loan and was directed to money Lion website. They collected my checking account data and linked to my account via Plaid account verification only to get a XXXX Instacash offer. I didnt take the money but Money Lion website will not let me delete the account. When you call the number provided for help the hold time starts at 15 mins and INCREASES as you hold not decreases. I see theyve had issues in the past and they need to be shut down for good. I want my personal banking info removed as they got it on false pretenses and I want my Money Lion acct deleted
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC (CA)

I have been working Since XXXX to have XXXX clear up a debt has already been paid. The remaining debt that shouldve been XXXX {$10.00} is now {$60.00} through the collection agency. The {$10.00} was supposed to go to upper management of XXXX, who was supposed to resolve the issue and has not. I have notified FCR of this, and they began a dispute process in which they said they would thoroughly investigate. They did not thoroughly investigate and only asked who is not organized about the debt. XXXX said that it has not been paid. I have numerous messages I put in PDF form that demonstrate that the debt has been paid. These messages are with XXXX support and was supposed to go further to upper management to clear the debt and this Has not gone further to the upper management as they said they would and has left this debt just with the collection agency FCR services, who has been increasing the debt. The original amounts that is being collected by XXXX has been made through their host with deceptive practices. XXXX XXXX agreed that the practices deceptive and challenged the debt because it was not during my car rental period. FCR refuses to investigate this further.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have sent multiple letters disputing the validity of this account being mine and requested XXXX to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from XXXX after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

XXXX states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with XXXX from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up XXXX because I NEVER had a XXXX account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to XXXX, XXXX, and TransUnion, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with XXXX, nor have I ever had an account with XXXX. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to XXXX, XXXX, and TransUnion, along with any negative remarks associated with XXXX, as it is severely damaging my credit file. I also request to cease & desist all communication with XXXX, written and/or telecommunication.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was denied credit from Citizens Bank, XXXX 's loan provider, on the purchase of an XXXX phone at the XXXX store. There was a loan in my name that I never initiated, signed for or knew about. A portion of the loan was charged off when I became aware when they denied me credit for a new XXXX phone. I spent multiple hours trying to get them to correct the erroneous report that I had a charged off loan balance and the only choice they would give me to to fix this was for me to pay the charged-off loan amount to fix this, which I did. Several months later now, I attempted to purchase an XXXX phone again, and was denied the loan again and the charged off loan, now paid in full was still being used to deny me credit. I have spent hours again with multiple representatives trying to correct this again. I have been transferred to multiple departments and told I need needed to speak to a supervisor only to be told that the supervisors declined to speak with me. I go back to the referring department and again am told that I could not speak to a supervisor or the supervisor would call me back which never occurred. Again today, I was told to call the main number again tomorrow and make another attempt to correct this. So here I am, a consumer with credit reports all in the XXXX range being denied credit for a charged-off loan that was fraudulently placed in my name, that I have spent hours trying to correct, that I was fraudulently forced to repay in an attempt to clear the erroneous information and this Federally chartered bank with regular employees not empowered to correct any problems and who's supervisors refuse to speak with me or listen to their employee 's when they try to explain the situation to them.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX  stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. 

Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? 

After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. 

They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? 

Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. 

The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to file a complaint against the financial institution that operates within my local XXXX grocery store. I have been subject to a series of unauthorized actions and fees that have not only resulted in the depletion of my bank account but have also led to a negative report on my credit card. This, in turn, is significantly impacting my XXXX XXXX and hindering my plans to purchase a house. 

In brief, XXXX was running a promotion that entailed the provision of a bonus or reward if customers deposited money into a new bank account. As per this scheme, I opened an account and made the required deposit. However, contrary to what was promised, I never received any sort of communication, reward, or bonus in the mail. 

Several months later, I noticed an adverse effect on my credit card status and subsequently discovered that my account had been completely drained. Further inquiry revealed that the financial institution had levied numerous fees on my account without my knowledge or consent, ultimately leading to an account balance that stood in the negative. 

In an attempt to resolve this issue, I made multiple calls to the financial institution 's customer service department, only to be met with indifference and uncooperative behavior. The representatives not only failed to provide any substantial information or assistance but also hung up on me multiple times. 

Given this ongoing issue, I request your immediate intervention to investigate the matter and rectify the erroneous reporting on my credit card. I have been a responsible customer and have always made a concerted effort to manage my finances effectively, and this unwarranted situation is causing me undue stress and financial hardship. I believe that I am entitled to fair and transparent treatment and a clear explanation of the fees that have been charged to my account. 

Attached to this letter are copies of my bank statement and the credit card report that clearly shows the negative impact. 

Thank you for your attention to this matter. I look forward to a thorough investigation and a fair resolution.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I took out a credit card for XXXX. I was not working at the time but had a monthy percapita. Shortly after the pandemic hit. They told me if I didn't pay it back it would follow me for 7 years and never be able to get a loan. I tried to make payments but was unsuccessful. I also made a plea to pay what was initially owed as this is almost triple what I actually owe.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hard inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 
1 was XXXX- XXXX 1 was XXXX XXXX with no contact company information. 
1 was Capital OneXXXX XXXX 1 was XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

This is a complaint against the American Express,. The following inquiry were not authorized by me, Never having given my permission for them to inquire about my credit status, they are unauthorized by me.

1 ) AMEX DATE : XX/XX/2018.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

My mother purchased a Vanilla Gift card for {$50.00} from a XXXXXXXX XXXX XXXX on XX/XX/XXXX. One year later, I went to activate the card so that I could use it, it said the funds have been used on XX/XX/XXXX, exactly 5 months later to the date of purchase. This seemed impossible because I could barely get the card out of the cardboard. I also have no idea what this company is XXXX XXXX - XXXX, where the funds were used. 

I have called Vanilla gift card five times. The first time, the representative acted like he didn't want to be bothered to send me the claim form and I believe he purposely entered my information incorrectly. Once I had that information corrected, I was told they would send me the claim form in 10 days. Approximately 12 days later, they said they would send the claim form in 3 days. That was on XX/XX/XXXX. Today, XX/XX/XXXX, I called them and they said it will be another 5 days. When I asked who the email will come from, they said " income dispute '' email address XXXX. How can this even be a real email. I have read countless stories online of people being the victims of fraud from XXXX and can never have their issue resolved. They need to be shutdown. They are part of a bank and I would not be surprised if it is the employees themselves illegally redeeming the cards and scamming people. 

I have read countless stories from other users of XXXX XXXX services and news reports of exactly my same experience, yet this company is allowed to continue to operate.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-07-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention an issue that I have been encountering with XXXX XXXX XXXX, Experian, XXXX, and XXXX. The essence of my complaint revolves around the false and inaccurate reporting of an unsecured loan attributed to me by XXXX XXXX XXXX, a " credit services organization ''. 

In documentation provided by XXXX XXXX XXXX they openly acknowledge, " XXXX XXXX XXXX XXXX DBA XXXX ( XXXX XXXX  ) acts as an intermediary between a Lending Partner ( the Lender ) and you in connection with Loans made by the Lender ... XXXX XXXX  does not make Loans or provide credit counseling or credit repair services. ''. Additionally, they confirm that they do not directly or indirectly extend credit to consumers, which is consistent with California Civil Code Section 1789.13 ( p ) It is therefore illogical and factually incorrect for them to report an unsecured loan on my credit report when they themselves concede that they do not provide loans. This information is not only materially false but also breaches the Fair Credit Reporting Act, 12 CFR 1022.41 ( a ), as it misrepresents the nature of my relationship with XXXX XXXX XXXX. 

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ) ( 1 ) ( A ), prohibits any person from providing information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Given the above assertions, it is clear that XXXX XXXX XXXX, Experian, XXXX, and XXXX, have violated this regulation by insisting on the validity of the unsecured loan. 

Despite my efforts to resolve the issue by disputing the inaccurate information Experian, XXXX, and XXXX insist that they have 'verified ' the information, an assertion that I challenge based on the legal definitions of " Verify '' and " Verification ''. As per XXXX 's XXXX XXXX XXXX XXXX, " VERIFICATION '' is defined as the " Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition '', and " VERIFY '' is to " confirm or substantiate by oath ''. It's clear that the verification process necessitates a formal oath or a similar legally-binding assertion, which I find doubtful in this context. 

And if for no other reason, the account should be deleted as a matter of privacy, which congress has stated is my right.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I received a letter from pen fed credict union asking me for a late payment of {$15.00} dollar late fee cause I didnt pay my credict card from them I called and explain that I dont even know this bank I had never applied for this credict card and they told me that I used this card in Georgia to put gas in a car I dont have a car I live in ny I had never been In Georgia in my life They sent me to the claim department I made the claim twice already but they still sending me letters to make the payment
Consumer complaint received 2023-05-19
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.