davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (WA)

well i started a moneylion account in preperation for my eidl loan cause i read it was a good idea to start a separate account for keeping track of spending, So i had the funds deposited and right away i realized that this money lion account doesn't let me send payment, so i cant XXXX XXXX XXXX that have been desperately struggling with covid 19 and not having money for bill 's so i try to link my bank account, it says it doesn't accept my bank, Ok so then i try another of my banks, another error but different it says try again later, i keep trying and no luck, ok so i Create a Bank account threw XXXX which is at the top of their accepted banks i follow the steps give them all my login info reluctance to do so but i just wan na get some money to guys, so its looking promising and the error say this account isn't accepted now this is fishy I'm getting frustrated, i try to contact them through the app no luck, i cant get ahold of anyone, I'm getting worried i have almost 50k sitting in some bank account that i have zero control over, i go online start looking up how to get ahold of someone threw money lion and that's when i start seeing complaint after complaint about theses ' guys and I'm genuine feeling nervous and worried i just want my money out of these guys fingertips, i keep calling trying different combo 's of their runaround phone service and finally reach someone. she tells me that its odd why XXXX bank doesn't work we verify the numbers and she says strange she puts me threw to a supervisor after a hour of waiting on hold a women with a raspy voice get 's on sounding like she had just woken up still yawning, I'm angry at this point and should have every reason to be, i demand my money to be transferred at once, she says that they can not do that, i threating with complaint 's to CFPB and right away her tone seemed to have changed she, says ok we can do a wire transfer, i say why didn't you say that in the first place she didn't answer, so i get on a chat with XXXX bank to verify the numbers of routing and acct to wire the money into they tell me it should only take about 30 min and it will cost XXXX dollars, the Moneylion supervisor XXXX takes the acct information and tells me that the transfer should happen around XXXX i say ok thank you and we end the call after i give her my email to message me when the wire transfer is completed, then around none i receive a email from XXXX saying that the wire transfer can not be completed and that i will have to verify my information even though I've already verified everything i can verify, i go to log back into my account after i read the email and it lets me log in long enough to see that my checking account with nearly 45k dollars is completely gone and my investment account has XXXX dollars in it, and then i shuts me out, I'm panicked now, i don't know what to do, can this company steal my money XXXX dollars i don't know what to do, please help please my number is XXXX.
Consumer complaint received 2017-05-25
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. (CA)

EXPERIAN AND  XXXX  are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospital biller  XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I had  service there 1 day  in 2014,  The hospital biller puts  XX/XX/14    on  XXXX  bill and  XX/XX/14    on another for service that occurred on  one  day.If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a Cobra policy in a timely manner.One check for COBRA was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on   XX/XX/14 .A COPY OF  THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  ha d that ch eck cashed ju st two  weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the servic e occurred.The credit  bureaus must get  XXXX  to  certify th e correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted m y credit score b ack up to  XXXX , OVER  XXXX  FICO  XXXX   points.This  willful error of  XXXX ,  XXXX  and Experian and  XXXX  who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by  XXXX  bank that EXPERIAN 'S REPORT put me in the middle tier fro m 14 per cent to 20 pe rcent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVID ENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVE S ONE M ORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

Account was in forbearance. Made bulk payment when payments resumed to bring account current. Timely monthly payments made for amount due, although escrow change led to deficit on one months payment leading to late charge. And 'incomplete payments ' ( b/c of the late charges that should have been reversed ) keep being placed in unassigned bucket and subsequently put toward principal, wiping out the monthly payment made in full. Called, and was escalated for correction, since I have monthly payments on autopay, and not direct withdrawal from their bank. I have contacted them on 3 separate occasions, one manager listened to previous calls and agreed that charges were inappropriate and 'escalated ' to correct department which would in turn contact me no more than 30d later. Problem persists. Menacing letters monthly and no solutions provided when calling customer service. Managers don't follow up and everyone states there is no contact they can provide to give you the opportunity to follow up. I would greatly appreciate someones help with this and would welcome speaking with anyone at the bank who has the authority to correct this issue directly. Thank you.
Consumer complaint received 2020-09-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (TX)

XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX  XXXX card service XXXX XXXX XXXX  XXXX XXXX  XXXX  auto finance XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
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. (MI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$500.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

During my XXXX XXXX XXXX  vacation while I was out of town ( XX/XX/XXXX/XX/XX/XXXX ), my mortgage loan was sold from XXXX to new rez mortgage. Loan # XXXX. Upon opening my mail to be informed my automatic payment for my bank had already been sent for my XX/XX/XXXX payment. That payment was never received by newrez, or returned to my bank account and my mortgage has been in arrears since then. I called in XXXX XXXX XXXX XXXX XXXX XXXX sent numerous emails. I have sent proof and I cant get any response from anybody over the phone.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My ATM Debit card was used to make unauthorized purchases. The purchases occurred on XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I realized that my ATM Debit card was missing and I reported this to Bank Of America. Bank of America opened up a Fraud Claim. I also went to the police department and filed a theft report. After hearing nothing from Bank of America on my fraud claim, and receiving no funds back into my account on XX/XX/2020 I called Bank of America and they told me to send them a detained explanation of what fraud occurred, and to include a list of the transactions that were fraud. On XX/XX/2020 I faxed Bank of America the requested explanation and transaction list of fraud. On XX/XX/2020 I received a letter from Bank of America dated XX/XX/2020 in which they denied and closed my fraud claim. On XX/XX/2020 I call Bank of America fraud department and expressed total dissatisfaction with the denial of my fraud claim. The bank rep. re-opened the fraud claim. I continue to wait for resolution from Bank of America. XX/XX/2020 I called Bank of America fraud dept. and got no where. Therefore I faxed another letter to Bank of America XX/XX/2020 with and the repeated details. I called Bank of America fraud dept. on XX/XX/2020 and spoke with rep. in TX named XXXX, he stated to me investigation looks good and they have issued provisional funds. I called Bank of America fraud department on XX/XX/2020 spoke with XXXX and she re-opened the fraud claim, ( she told me it had been closed ). On XX/XX/2020 I sent another fax with letter to Bank of America Fraud department and attached transactions that I say are fraud. In the meantime I was unable to log on to my bank account and found that Bank of America had sense closed my account. I received a letter from Bank of America dated XX/XX/2020 telling me my account has been closed. It is now XX/XX/2020 and I have be left without any money to live on, I had {$55000.00} in my bank account this does not including what was taken from me in fraud. Bank of America has not given me my money, they have closed my bank account and most importantly not honored my fraud claim. It is important to mention that since filing my thief report with the police department they have investigated, found evidence of theft from video surveillance cameras, identified a perpetrator and sent the file to the district attorney.
Consumer complaint received 2023-06-10
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. (MI)

On XXXX XX/XX/2023 I filed a CFPB complaint XXXX against TransUnion regarding the information in my credit files associated with an account/tradeline with XXXX. The basis of the complaint surrounds XXXX sending billing notices to wrong addresses at random, some of which I have not lived at in over fifteen ( XXXX ) years. TransUnion marked the CFPB complaint as " in progress, '' stating they needed more time to review the information I provided. On XXXX XX/XX/2023 I received a notification that TransUnion have updated the information pertaining to the XXXX account/tradeline, in which XXXX is alleged to have provided information indicating my payments are now " not more than XXXX payments past-due. '' I have a copy of a TransUnion credit report for the past XXXX months, all of which indicate that even if there were no billing errors, the account could only be at most XXXX ( XXXX ) days past-due. 

If, this had occurred in a vacuum it might be plausible that only XXXX would be at fault. However, given the date CFPB complaint XXXX was filed, the notification I received regarding updated information for the XXXX account/tradeline in my TransUnion credit file was in response to my dispute from XXXX XX/XX/2023. XXXX has been unable to send my billing notices to the address at which I reside. In fact their parent company XXXX has acknowledged that fact in a an e-mail to me on or around XXXX XX/XX/2023. Nevertheless, TransUnion is continuing to report invalid and unverifiable information that even changes for the same period ( s ) from month to month as evidenced in the attached documents. XXXX has failed to send billing error notices in compliance with Regulation Z. The effect is evident in the delinquent payment history as reported in my credit files. XXXX knows, or should know they are doing such. Furnishing information generated as a result of XXXX XXXX violations is meets the definition of unlawful and unfair practices. At this point TransUnion knows, or should know the information furnished by XXXX is unverifiable because it is the result of billing errors. At this point TransUnion knows or should know that supplying adverse payment history DURING a billing error investigation is unlawful and violates 15 U.S. Code 1666. It is the responsibility and duty of TransUnion under the FCRA to remove the unverifiable and invalid payment history immediately. The fact is TransUnion 's persistence of the invalid, unverifiable, inaccurate information in my credit files is causing me harm -- I have been denied housing and have been the subjected housing discrimination as a result of this information.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (MD)

Shellpoint Mortgage assumed responsibility as my new loan servicing company for the first payment due in XX/XX/XXXX. I learned of an issue with my timely made XX/XX/XXXX payment when I went to make payment for XX/XX/XXXX. I immediately called Shellpoint to inquire about the issue and what occurred with the payment made in XX/XX/XXXX, at which time I was provided inconsistent information from two different representatives. Shellpoint reported my payment to the three credit bureaus as having not made a payment timely, although their records clearly show that I did make payment timely in XX/XX/XXXX. Also, in communicating with Shellpoint about this error, I was told that my payment was returned because the banking information did not match and that my banking institution returned the payment, neither of which was true. We confirmed my banking information, confirmed that I had adequate funds to cover the payment, and that the payment was made timely in XXXX. I asked for them to remove the error from the credit bureaus, had made this request more than once, called on the phone multiple times ( once with my banking institution on the line to confirm again for a second time my banking information which matched completely and to confirm that my banking institution did not return any payments ), and I submitted a detailed letter laying out the history and proof of a timely payment. I followed up because well over 30 calendar and business days have passed, and I have heard nothing. So, despite trying to get this resolved in an orderly way and being promised that I would get a response and a return call, none of this has happened. Therefore, I am filing a complaint with the CFPB to assist with rectifying this situation. I have attached my complaint letter and additional proof of the issue and my attempts to resolve it. 

As a secondary issue to note for CFPB to look into, which feels very suspicious in nature given Shellpoint 's history, Shellpoint seems to withhold additional escrow funds unnecessarily and improperly and conducts escrow reports frequently to justify their actions. I have never had this much money withhold in escrow. This issue should be looked into as well to see if other consumers have raised this issue about Shellpoint and also my escrow review and withholding that changed only when Shellpoint took over is suspicious. I have had three prior loan servicers and have never had this issue. Even the representative I was speaking to on the phone noted that this escrow review being conducted multiple times in a short period was highly unusual.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX XXXX