davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (TN)

I got a loan with MoneyLion about three years ago and forgot about it since then. They have closed it and charged the data off and reported it on my credit report every single month for the past three years. 29 derogatory marks. I called today and tried to speak with somebody about paying off the lien and getting a XXXX balance letter. I recorded the phone call and in the phone call the man said that he could not send a XXXX balance report. He said that he had to go through MoneyLion procedures. I explained to him that he can not do that because there are certain consumer financial protection laws that do not allow moneylion to handle these things for them selves. He then admitted to breaking consumer financial protection laws on recording, then hung up on me. They will not answer my calls. They will not allow me to pay the balance. There are no loan documents either.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I have been trying to get equifax to fix this information on my consumer report since XX/XX/XXXX and they refuse to investigate it or even fix it. I entered into a consumer transaction back in XXXX and the account has been paid and in good standing. But on my report it is showing completely wrong. It is showing, an Open collections account, in a derogatory status, but also Paid In Full. This incorrect Information is really hurting my credit and causing me stress. It is going to fall off of my credit report in XX/XX/XXXX but it has been reporting inaccurate for 7 years. And when i tried to get Equifax to update it they completely ignored me. XXXX and XXXX deleted it because they knew it didn't meet FCRA requirements, so how can equifax knowingly and willfully report this false information to hurt my credit and stress me out?
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I received a call from JP Morgan Chase that there had been an attempt to wire out {$8000.00} from my account. I informed them I did not authorize this. I was informed that my funds of XXXX needed to be transferred to aa new account due to the current account being compromised. dates of the transactions occurred from XXXX XXXX XXXX ranging from XXXX to XXXX adding to a total of {$49000.00}. 

I filed a unauthorized wire fraud claim with JP Morgan Chase on XXXX.I was told that JP Morgan has had their number spoofed and that fraudulent claims have been common. I was informed it would take 24 hours for the paperwork to be processed in order for JP Morgan to begin the process to recover my funds and that it would take 3-5 business days to update me. 
I called JP Morgan on the 5th day XXXX  to ask for an update. I was informed that the accounting department was working on recrediting my account, but that I needed to open a new account with JP Morgan Chase in order to refund my funds due to the old account being compromised. I was also informed that I was supposed to have filed a police report, of which I was NOT made aware of at all then I submitted the paperwork for the wire fraud claim. 
I submitted the police report as soon as possible on XXXX  JP Morgan Chase confirmed they received it and that it would take up to 5 days to process I called JP Morgan Chase on XX/XX/XXXX for an update and spoke with a account supervisor XXXX who informed me that my claim had not been processed at all and that my police report had not been attached to my claim. 

I have attempted to follow all formal processes with JP Morgan chase to correct the Situation. JP Morgan chase has not taken responsibility to correct their mistake. JP Morgan Chase has been very negligent in the process of my claim and did not make an attempt to return my funds.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

A company by the name of XXXX XXXX XXXX XXXX XXXX contacted me and informed me that I owed {$360.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and I've placed a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing me about this account for weeks, and I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of PayPal but I've reached out to Paypal countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.
Consumer complaint received 2022-04-16
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXccount # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX, 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
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have inquiries on my credit report that I did not give consent nor benefit from. These inquiries are causing me emotional turmoil because of the amount of stress it is putting me under. Inquiries are preventing me from getting a new home during these tough time. I filed a FTC report backing up my claim that these inquiries are fraudulent and need to be blocked/ removed immediately. According to law You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Consumer complaint received 2023-01-19
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : Attached
Consumer complaint received 2021-09-26
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. (CA)

The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, Experian reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has experian communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, 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. (CA)

My XXXX XXXX account stopped updating with my equifax credit score on XXXX XXXX. I reached out to XXXX XXXX on XX/XX/2021, & was told by a representative Equifax was not transmitting the data to XXXX XXXX and this was an issue on Equifaxs side so i needed to contact them. I tried contacting equifax but was unable to get through to a live representative due to their ridiculous automated system so I decided to leave it alone, figured it wasnt causing that big of problem since i Could still view my score on Equifax website. However it is now the end of XX/XX/2021 and i tried to request a credit limit increase on my XXXX XXXX card which was supposed to have automatic increase but wasn't for some reason and its was declined stating credit bureau information is missing or unavailable. I spoke to XXXX XXXX representative on XXXX XXXX who informed me the problem was on Equifax side and thats who I needed to contact. I contacted Equifax the same day and after multiple attempts I finally got through to a representative. The rep informed me there was no freeze or lock on my account which i already knew because i never placed one. He then said there did seem to be a fraud alert and he would transfer me to another department to have it removed. The next rep said the fraud alert would not prevent any creditor from pulling my credit report but he had removed the alert. I told him if that was not the issue then i needed the root cause to be found because i need my bank to be able to pull my credit report and this issue was affecting my credit limits and in turn going to affect my credit score. He verified my personal information was correct and stated there was nothing else he could do all I could do was wait. I requested to speak to someone in the IT department hoping they would be able to find some type of issue and solve it and he refused to let me speak to them stating they dont take incoming calls. I then requested for him to escalate my account to the IT department then and let them know what was going on so the issue could be fixed and he refused stating Equifax could do nothing else. I asked to speak to a supervisor and after him also refusing to help me any further i asked for his employee ID information to submit a complaint and he hung up in my face. Being that 2 different credit companies are tell me that they are unable to retrieve my Equifax data then there must be a problem on Equifax side that they are refusing to look into or solve. I can not raise my credit score without creditors being able to access my credit report and need this resolved asap. After a quick XXXX search i found multiple articles of people with the same problem with Equifax so I dont know why Equifax is acting like it is unheard of. It is currently XX/XX/XXXX, and i am still having the same issues with XXXX XXXX and XXXX XXXX being able to access my information.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Delete XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (WA)

When I attempted to log-in to my account and use my card, I was not able to. I contacted the telephone number and was informed by the customer service agent that my card had been closed due to inactivity. She claimed that I was mailed a letter back in XXXX, 2019. I did not receive any such letter. Upon asking whether I could re-open my account, I was put on hold and the decision was made that I could not re-open my account. I asked what this decision was based on, as I have good credit and always paid on-time. Both the agent and then also the manager could only tell me that they could not re-open due to inactivity. 
Such a decision has impacted my credit score, as this is the oldest account I have had. When I believed I was using credit responsibly, I have been negatively affected by a lowered score - as one of the reasons listed under my credit score ( which is actually Good ) is that my oldest account is too new. With just a few more points, my credit would be " Excellent ''. 
Additionally, when I requested to know how they decide to re-open some accounts and not others ( how these decisions are made, and by whom ), I was not given an answer. 
Without a clear reason how and why these decisions are made ( which directly impact a person 's credit score ), discriminatory or biased practices often result. 
Furthermore, if a decision is going to potentially impact a consumer 's credit score, the credit card company should rely on more than one way to notify a person. Mail is not the most reliable method, they should also send email and notify joint account holders.
Consumer complaint received 2021-09-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

My husband 's card on our account was hacked and used to charge two fraudulent charges : one for {$2400.00} and one for {$2000.00}. My internet account access also had the password changed. These two charges caused my card account to go almost {$2300.00} over my credit limit, but CitiCard approved the charges anyway. When I accessed my account online, which is when I found out my password had been changed, and the increase in my balance, a very strange thing happened. The fraud charges did not immediately show up although the increased balance was listed. I was confused as to what was happening, so I closed out of my account and reaccessed it. It was then that the fraudulent charges actually individually appeared on my account. I filed a fraud claim with them, but had A LOT of trouble doing so, as I talked to four different people before I could get a straight answer as to what was going on. One of them told me they could not access my account because it had been turned over to collection. I was later able to verify that this was not true. In addition, they refuse to remove these charges or even flag them in any way as fraud until the claim is settled, which they have told me could take 2 to 3 months or more. The charges occurred on XXXX, still appear on my account, and I have heard NOTHING from the Citibank Security/Fraud department as to the status of the complaint. These charges are also accumulating interest fees. In the interim, I froze my account ( of course ). Also in the interim, the fact that these charges continue to appear on my credit report is causing derogatory ratings on my credit reports. CitiBank has not been helpful in ANY way but instead extremely antagonistic, and once these charges are reversed and settled, I intend to pay off my actual balance and close the account. I do not do business with companies who feel it is acceptable to treat their customers this way, which I find extremely unprofessional.
Consumer complaint received 2021-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

XX/XX/21 I was seen in the emergency room but the treating physician. My health insurance is XXXX and for some reason this company didnt bill my insurance company and is choosing to emails me about the debt. Once I went to the emergency room and presented my XXXX at the point I know from my history of handling medical billing that I shouldnt be balanced billed or harassed with collect attempts. This scam company is notorious for going after poor, XXXX recipients and quietly adding charges on their credit reports. This company XXXX now XXXX XXXX is notorious for quietly adding bills on your credit. They shouldnt be balance billing or harassing XXXX recipients.
Consumer complaint received 2021-09-26
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. (CA)

The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX  XXXX  XXXX  XXXX.