davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/year>, I logged into my account to update my contact information. It would not allow me to update my XXXX phone number and forced me to call the XXXX number. I was on the phone for almost XXXX minutes and all I got was a bunch of attitude and XXXX service and a lecture about my attitude problem for calling the previous guy an XXXX, which trust me was the edited version of what I wanted to say. In this time, I noticed XXXX of my cards ( Care Credit ) had expired XX/XX/year>, and the company didn't ever bother to send me a new card. The other card is about to expire in XX/XX/year>, so I requested that to be replaced also. The XXXX call center agent, MARKED MY CARD LOST OR STOLEN, because he had an attitude problem and was acting out in a hostile manner and then proceeded to start treating me like a criminal. He tried to force me to click on a link that I was not going to do either.
Consumer complaint received 2021-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (IN)

I paid {$800.00} towards my mortgage for the month of XXXX with Navy Federal Credit Union and was charged twice, with the second payment of {$800.00} being applied entirely to principal. I found this out when I noticed there were two charges for {$800.00} on my XXXX XXXX XXXX account effective XX/XX/21. This second charge was not authorized, and I have reached out to both NFCU and XXXX and neither company was able or willing to resolve the situation. This is a very frustrating situation and I'm unsure of what to do, but it feels as though the money was stolen from me. If NFCU is unwilling to help, would filing a police report be necessary?
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (FL)

When I could not get my service level reduced due to job loss, I cancelled service with XXXX ( account # XXXX ) via phone call in XX/XX/2020, I was advised that service would be terminated and there was no balance due. I have not received a bill from XXXX or now XXXX XXXX XXXX, but have for the second time, with a different collection agency had this show up as as an uncollectible account damaging my credit score. The previous collection agency withdrew this from my credit report with no explanation so I thought the matter was closed. I spoke with XXXX XXXX XXXX rep who would give me no information other than the phone number for Receivables Performance. I called and spoke with a debt collector who said i should have received letters and emails about this debt which I have not. In fact they didn't have my correct email address. What the debt collector disclosed is that I now owed for the first and last month of service and a fee for non return of equipment. Having had the account for close to ten years I have no of the original documentation when the account was opened under a special offer through XXXX XXXX. And the equipment was returned to XXXX XXXX in boxes they provided and dropped at the local XXXX store.
Consumer complaint received 2021-01-06
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. (LA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand to DELETE immediately those accounts or I will file a litigation that cause me stress.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Credit Corporation (FL)

I started to notice small charges around middle of XXXX, but I didn't pay to close of attention to the small charges until late XXXX because I had only used the card twice since I received it. I called Avant in total confidence that the issue would be taken care of promptly ; only to be transferred to different departments 8 times, and then a representative assured me that they would take notes and have these charges removed and cancel the card and send a new one ; this was the first call in XXXX. I called again in XXXX, a this was a repeat of the first call, but I found out from the Avant rep, that someone attempted to use the first card ( the one that was supposed to be cancelled! ) after I had already received the new one ; with all of this said, they gave me no alternative. I had to cancel the card, however after the first dispute Avant responded with ; your account has been updated ; not quite sure what this means. I'm describing the happenings in this complaint to see if I can get this account expedited. I also threw the card and I only have the last four digits Thanks in advance.
Consumer complaint received 2018-04-03
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: JPMORGAN CHASE & CO. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : Chase Card : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-28
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2021-01-06
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: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-02-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (FL)

XX/XX/XXXX I started an account with MoneyLion ( XXXX ) and was approved for a loan of XXXX. This was approved and paid successfully with the last payment listed for XX/XX/XXXX. This acct was paid satisfactorily, which prompted me to use Money Lion a second time the following year. Starting XX/XX/XXXX I opened another installment loan with MoneyLion for another XXXX  ( XXXX ). This acct was also paid in full and reported to XXXX and XXXX, with the last payment being made and reported on XX/XX/XXXX. Again this was satisfactorily paid all payments were on time and the acct has been in " Paid Staus ''. This concluded my business with Money Lion. I have never reached out for any further Installment loans, yet there is another that was opened fraudulently. Less than 30 days after my last payment and closing of the 2nd acct, there was another opened for XXXX} on XX/XX/XXXX. ( XXXX ) This account is Fraudulent, I did not request this to be opened. I brought this to Money Lion, explaining that I have been a victim of ID Theft, and this acct opening confirmed it. My previous business with Money Lion was all payments made on time, and all accts paid in full. Yet this account has had not one payment made ( not like me ) and has since been a chargeoff and placed in a Derogatory Staus on my credit reports. I explained this to a Supervisor at Money Lion named XXXX XXXX She stated that the debt is currently rising and is now over {$500.00} due. I formally disputed this amount and requested information pertaining to the sign-up that was initiated on XX/XX/XXXX. I requested the Original Service Agreement with proof that I was the one who signed up. I was told that the Escalation Dept would be investigating and will get back to me. They emailed me 2 days later and stated that due to the information they have in their system they are confirming their debt as mine, I have included a copy of the email decline. I feel that Moneylion did not investigate properly or they would see that not only did I only utilize Moneylion twice, but both times MoneyLion was paid in full with no issues at all. The nonpayment attached to the third should have this account associated with fraud, due to no one payment being made. If this was my account it would show payments made. I am consistent in paying back my loans I have already filed a report, the record shows on my account. They responded, however, they just sent the terms and conditions of that loan. How is that verifying anything. This does not prove this account is my responsibility ; furthermore, please remove these charges from all three credit report agencies.

I have provided pdf documents related to this issue in previous reports. Please forward all materials to the company for review.
Consumer complaint received 2021-01-06
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-01-06
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. (GA)

( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I Have been an a victim of Identity Theft for a few years now.. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.
Consumer complaint received 2020-08-18
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: LoanCare, LLC (NJ)

I have a loan with LOANCARE, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

On XX/XX/XXXX I called Quicken Loans to refinance my home loan. I spoke with an associate who assured me that I would have a seamless process and would close in less than thirty days. I sent in all required documents and was quoted a mortgage amount of around {$1400.00} a month. This would be my third closing so I understand that the numbers slightly change up and until closing. My closing was scheduled on XX/XX/XXXX. I signed the closing disclosure that stated my mortgage amount would be {$1300.00}. I checked the online app on XX/XX/XXXX and noticed that the mortgage amount had jumped up to {$1600.00} and needing over {$4000.00} funds to close. I emailed and called XXXX who stated there was a glitch in the app and that whatever amount my closing disclosure document stated, would be the amount of my mortgage. 

XX/XX/XXXX closing came and a notary showed up to my home to notarize the closing documents with the closing disclosure stating my mortgage would be {$1300.00}. I logged onto the Rocket Mortgage app once again to see a mortgage amount of {$1600.00}. I began calling Quicken Loans and was told that the property taxes on my current property were incorrectly calculated and that I now needed to re-close on the loan. I spoke to several associates all stating that this was the worst treatment of a loan they had seen and stated they would correct the issue. It was not until XXXX when I was told my loan had been cancelled and I still owned the ( what I thought was previous ) current lender of my home. I was informed a new loan was being funded to correct the past error. 

It was XXXX when I started speaking another associate. He was the only associate who really sounded like he was going to own my issue from start to finish. He called me and told me he would be able to fund the loan at the original amount of {$1300.00}. I have no direct complaint against him. He is included in this complaint because he knows the details of this situation. I spoke to him XX/XX/XXXX. It was on this date he informed me that my loan had aged out. I believe that my loan was closed out so as not to fund the loan for the amount promised. I believe I was deceived into the application and funding when my mortgage amount was increased and I was told there was a glitch in the system so that I would go through with the closing. I believe there has been a Regulation Z Truth in Lending Violation and this has UDAAP concerns.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

You have plenty of complaints previous to one and can use that as reference. They continue to demand payment that isn't due and payable until after the principle has been paid, and you can look up the law that allows it. 

Also it looks like they are now wanting to foreclose so it's an even bigger issue now and they need to have all licenses revoked and charges of fraud started
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX , XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 7. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times with no response
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (MA)

I was contacted by the company ( IQ Data ) telling me I owed a debt from 1 year and 9 months prior. I explained that I owed no debt because I paid for everything ( rent ). They also informed me that this so-called debt included interest for the length of time they owned the debt yet I was also never notified when they took on this so-called debt. I then decided to disupte this and sent them a letter requesting for them to validate my debt. Included with the letter were 2 proofs of identity. I sent that by certified mail and they received that letter on XXXX XXXX. I waited a little more than a month ( 30 days ) and received no communication or response from them so I then sent a letter for request of removal. Included with that letter were the previous letter, 2 forms of identification, and a copy of the certified mail receipt from the previous letter. They [ IQ Data ] received that letter via certified mail on XX/XX/XXXX. Lastly, I called them on XX/XX/2021, to inquire about the status. They rudely told me that even though they may have received my second letter it wasn't in my file and they don't know when it would be added. I asked about a time frame for the response they informed me that they will settle this whenever they hear back from the original owner of the debt. I then referred to the 30 days for a response within the letter the man asked me where did I get information about the 30 days and told me there was nothing he could do an nobody in the company I could speak with to give me information about the process. After which he said he would put me on hold and then hung up on me. This was all on a recorded line by them.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc (TX)

On XX/XX/24, I attempted to create a Venmo account. 

It stated that my phone number was already associated with another account. I attempted to reset the password to the account and saw a mostly masked email account starting with a " XXXX  '' XXXX account. That was not me. 

I contacted Venmo support to alert them that someone was using my phone number without my consent on another Venmo account. I was asked to upload my phone bill, within 90 days with my name. I did that. 

The agent kept calling me " XXXX. '' That isn't my name. He claimed to " release my phone number, '' which appeared to not be an action that he had done. Nothing appeared to be done. When I tried to reset the password, nothing came in, I am assuming sending password resets to this " XXXX '' guy. They clearly did absolutely nothing and I am alarmed that someone is still using my phone number fraudulently on their Venmo account. I also am blocked from using my actual email address, for which I tried to do a password reset and was not allowed either. I can't figure out why they won't help me fix this and I find it concerning that they XXXX about fixing it, and actually did nothing to help.
Consumer complaint received 2022-06-03
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. (CA)

in accordance to the Fair Credit Report Act Companies/creditors listed below has violated my rights.

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX