davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (TX)

i don't normally check my bank account individual transactions, as I never use my bank account to pay for anything but bills. Recently however, I did check it, and I noticed this withdrawal from MoneyLion, and I don't know what it is. I went to the website, and I've never heard of it, nor have I ever used a quick cash advance app or service ( that's what it looks like ). I did not see a way to contact them on the website, and I XXXX  " MoneyLion withdrawing money from my account '' and I got a XXXX XXXX saying to use the consumer finance process, so I am here. I looked at my statements, and it looks like they've been charging me monthly fees, for a product I've never consented to pay for, since at least XX/XX/2021! 
I am attatching my most current statement balance, as well as the earliest statement balance I could find that has this fraudulent charge ( XX/XX/2021 )
Consumer complaint received 2023-01-21
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. (GA)

This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On 2017 I opened up a bank account with Wells Fargo that was supposed to be free since, I had my home load as & the checking account was complementary. Months later, my account was at a negative because they had been charging banking fees, when it was supposed to be a free account all along. They closed the account without my notice.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper pr
ocedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-05-31
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. (FL)

I would like all Hard inquiries to be removed from my credit report. Unauthorized inquiries according to the F.C.R.A ( Fair Credit Report Act ) legally this items must be removed.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian multiple times informing them that the information that they are reporting is incorrect. They came back stating that the account was verified. I filed a formal complaint advising Experian that they are reporting inaccurate information on my credit report. I disputed 3 XXXX accounts as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for the method of validation on how you are reporting late payments as accurate during time of deferment. No payments were late or missed prior to the deferment. The company granted a deferment therefore the payment schedule was off but they payments were not considered late. The payments were paid as agreed. Experian is also listing this account with XXXX as the account holder. The lender is actually XXXX XXXX XXXX 
Experian needs to provide detailed description of procedures used in their process to determine complete accuracy of information reported. 
To date they have been unable to provide me proof or is lacking proof that the alleged payments are late please update payment history to paid as agreed never late ( PAANL ). The company should have provided this information within 15 days after receiving my follow-up dispute sent in with additional information.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

On XX/XX/2023 I closed on a house and the funds to pay off the mortgage were sent to BSI Financial through the title company 's bank. 12 days later, BSI returned the funds. The bank verified the info and resent the funds. 10 days later, BSI returned the funds again. The wire listed the loan number, name of holders of loan, address of property. After several phone calls, BSI confirmed that wiring info was correct and that they had received the funds all 3 times. They are saying that not all the info is on the wire, but it follows the wire instructions provided by their company, gives the loan info to locate the loan, and pays off the mortgage in full, and they were able to identify the wire as being associated with my mortgage. BSI is refusing to accept the funds, will not talk to the title company or sending bank, is telling me they see the money but will not apply the funds and will not tell me why. After many phone calls, they are now saying the sending bank is missing info which is not correct and not listed as necessary info on their own payoff instructions for wiring funds. They are also holding the funds for at least 10 days or more at a time before returning the wires and are saying they are going to hold this 3rd wire for 10 days as well, all while charging me interest for at least 32 days total. All I want to do is payoff my mortgage and BSI Financial is refusing to allow me to do so. They have verified they received the funds and verified the info is there. They are making excuses that my full name is not on there because both borrowers share the same last name and the wire lists XXXX XXXX XXXX XXXX rather than XXXX XXXXXXXX and XXXX XXXX. It is clear that this lender is more interested in charging undue interest and are refusing to lose this loan by having it paid off. They also refuse to escalate the issue and hang up on me when I ask to escalate the issue.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$6600.00} XX/XX/2019 My name is wrong on the credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine : 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 INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX Employers I have never worked for : XXXX, XXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by Experian. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile.

I remind Experian of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (OH)

On XX/XX/2021 my fiat balances on Binance.US was around {$4000.00}. A few hours later I checked back on Binance.US and my balance was {$2500.00}. So where did my {$1500.00} in XXXX  went? My account trading is also disable and I can not buy, sell, withdrawal, and deposit. I tried to reach out to Binance.US on every single social media page. I message and also email. But so far no reply. My case/ticket number with Binance is # XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I live at one address and that is XXXX XXXX XXXX XXXX XXXX Illinois XXXX. Thats the only address that suppose to be on all 3 of my credit reports.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

This account was charged off on the following date ( XXXX XXXX XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (LA)

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 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 2023-02-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

My home mortgage is financed through Wells Fargo. In XXXX, XXXX, and XXXX, Wells Fargo attempted to foreclose on my home because I was struggling to pay after employment loss. Wells Fargo added astronomical amounts, fees, cost, and loan payments to my mortgage and raised by mortgage payment significantly from just over {$1200.00} a month to now nearly XXXX. I have requested numerous times to be given proof as to why so much more cost and fees were added to my loan along with the missed mortgage payments to the back end during a supposed modification, driving up my monthly mortgage cost but I have not received anything. I believe my mortgage payment is higher than what it should be because of fraudulent added fees and cost, making it more difficult for me to keep up with my payments and save my home. I am a veteran and used my VA loan to purchase this home.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (NV)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, 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 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 2023-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MS)

Progressive sold this debt to another collection agency ( Credit Collection Services ) Date Opened with Collections XX/XX/2023 Balance Updated on XX/XX/2023 Account No : XXXX Amount {$400.00} This account is fraudulent and debt is not mine. This account have been disputed before and the account is still resurfacing on my credit profile and affecting my credit rating. The police report will show that I am a victim of identity theft.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

FIRST, In XXXX of XXXX Wells Fargo sold my private college loans account to a third party ( 'XXXX XXXXXXXX XXXX ). It was until XX/XX/XXXX where I got an email from XXXX XXXX XXXX notifying me that I had loans past due which I was then penalized with a fee. 

There is a total of 4 loans in the account that were affected, loan details below : - Loan 1 : XXXX- Original disbursed amount : {$4800.00} on XX/XX/XXXX, Current day payoff amount : {$6400.00} on XX/XX/XXXX at a 13.49 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 2 : XXXX - Original disbursed amount : {$6000.00} on XX/XX/XXXX, Current day payoff amount : {$8100.00} on XX/XX/XXXX at a 13.49 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 3 : XXXX - Original disbursed amount : {$7000.00} on XX/XX/XXXX, Current day payoff amount : {$280.00} on XX/XX/XXXX at a 13.74 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 4 : XXXX - Original disbursed amount : {$7800.00} on XX/XX/XXXX, Current day payoff amount : {$8500.00} on XX/XX/XXXX at a 12.140 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

THEN, On XX/XX/XXXX my only debit account with Wells Fargo was suddenly closed WITHOUT previous announcement. As I was checking my balance on XX/XX/XXXX I realized that instead of having {$17000.00} I had {$0.00} all my money was wiped away from my only debit account, where I get my paycheck and where lenders extract money. After visiting a Wells Fargo Branch in XXXX Texas and not being helped and waiting on the phone line for 3-5 hours I was told that Wells Fargo was in the process of sending a check with all my money to an old address. I tried contacting the old address without success. I have been 8 days without my money until today and it is unacceptable.