davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Market Place Mortgage Corp. (IL)

XXXX XXXX from Market Place Mortgage call me and ask if I would like to refinance my house, I told him sure send me email with options I will look at my options and I will call you back. Week and half later he send me application to sign and the same day I got notifications as he pull my credit with out my authorization, he have my SS number from 4 years a go he did my refinancing on my old house, but yjos home was sold. I email him to correct this with credit bureaus and he fail. I would say this is miss practice pulling credit report with authorization.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Hello, Capital One closed my Kohl 's charge due to inactivity on XX/XX/2020. They didn't send me any warning notice. I haven't used my card in quite some time however even if I wanted to these past several months, our Kohl 's stores in Delaware weren't even open due to COVID19. 

Closing my card due to inactivity without warning is detrimental to your customer 's credit health. Longevity of open accounts are very important. I called Kohl's/Cap One customer service today and I was advised that the only way to resolve the issue was to reapply for a new Kohl 's charge account. Once again - this is not fair as it would put a hard inquiry on my file.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

They are reporting a collection account in the amount of {$40.00} for XXXX XXXX XXXX. They are reporting the debt twice on my credit report. This is not my account. I have disputed this item several times with the credit bureau.
Consumer complaint received 2020-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been paying this loan for 13 years it hasnt gone down its still the same and my interest rate was a lil high I recently called them .they said that I owe XXXX and they can reduce it to XXXX so they where also threatening me if I dont pay it will go to collections and they could garnish my wages so I took money out of my retirement to pay that off. then out of no where they said I owe for another loan thats XXXX I try talking to them and they didnt want to help me and they keep sending me letters if I dont pay that they can take me to court and garnish my wages now with the Covid 19 theres still sending me threats to pay it off.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2023-01-06
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. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2020-04-13
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)

When I opened this dispute, I didn't realize I would be punished for doing so. In effect, I have been. 

After the dispute, nothing changed on my report except for the " On Record Until '' date. Before the dispute it was XXXX, XXXX. Now, after the dispute, the " On Record Until '' date is XXXX, XXXX. 

So now I have to wait an additional 5 years for this to be removed from my credit report, JUST because I opened a dispute? 

Can you please just reset it to what it was, so that the report is removed from my file in XXXX, XXXX?
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

They are reporting a collection account in the amount of {$40.00} for XXXX XXXX XXXX. They are reporting the debt twice on my credit report. This is not my account. I have disputed this item several times with the credit bureau.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

Doing business with MoneyLion has turned into a nightmare from the poor customer service, poorly functioning app, lies, and now reporting errors to my credit file. MoneyLion makes claims regarding the app but it barely functions as it should, I previously had issues taking out a new loan via the app because of it not functioning correctly and giving me errors. I have never been able to successfully make payments of any kind via the app due to errors stating : " It's not you, it's the internet. '' when it's not a device or internet issue. However, on XX/XX/2020, I spoke with a condescending manager who processed my payment in full for my MoneyLion Loan # XXXX. As of today 's date, I received an alert from Transunion that XXXX has reported my account 30 Days Past Due with a {$86.00} balance. This loan does not have a balance as it was paid in full and there has not been a 30 Day delinquency. I also still have yet to receive resolution regarding my XXXX Limit that was {$210.00} not reflecting correctly within the app. Currently, my XXXX is saying that I have a {$0.00} Limit when it should be {$95.00} out of {$210.00} remaining. The {$95.00} that was taken out, was repaid XX/XX/2020. This didn't become a problem until I received an email form a manager by the name of XXXX. Also, my XXXX reward was not paid or deposited into my Investment account for the month of XXXX. I also had to deal with my money not being accessible in my XXXX account due to not being unable to unlock my debit card via the app with no warning from XXXX on XX/XX/2020. These problems are ongoing and unacceptable. I had no one to speak to and this is why I would never direct deposit my funds into this account. If I was stranded on the side of the road, my money would have done me no good as in this account, there was no way for me to access it. MoneyLion has failed to address these ongoing issues properly. There is never a way to reach anyone when you need someone and if and when you do get someone on the phone from customer service, they are no help, they lie, and basically serve no purpose. I scheduled a callback on MoneyLion 's youcanbook me link and no one ever called. The lists of problems keeps growing and growing. I spoke to a gentlemen by the name of XXXX XXXX who appeared to understand that all of the problems that I have been experiencing are no fault of mine. However, the issues have not been resolved and I understand that the issues are not XXXX XXXX 's fault. However, my experience with MoneyLion is beyond unacceptable. This is becoming a nightmare and this company needs to be held accountable.
Consumer complaint received 2020-06-13
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: HCFS Healthcare Financial Services of TeamHealth (FL)

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX ( XXXX XXXX  ) is reporting an account that was paid off over a year ago. It updated information on my Equifax report as being late 119 days which isnt true. I paid in full the charge off account. I wasnt getting no statements from this company. They deleted the accounts off my XXXX  and XXXX. Why are they still reporting on my Equifax. Why was information changed XX/XX/XXXX if it was charged off XX/XX/XXXX and paid off XX/XX/XXXX. This account is ruining my credit score with Equifax. I want it deleted for false reporting.
Consumer complaint received 2023-01-06
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: ALLY FINANCIAL INC. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account XXXX, Ally Financial Account # XXXX,
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC Consumer Dispute Center XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$800.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (CA)

This company has never sent an itemized invoice to collect a payment. I've reached out to the company a few times no one returns my calls. I have never taken out any loan or dealt with this company for a financial reason.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.
Consumer complaint received 2020-08-04
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020 I tried to make a purchase at the XXXX and while my credit card charge went through the product failed to activate. The screen showed step-by-step instructions for the cashier to issue a refund. Something was done wrong and refund receipt was not printed. I was told to wait for credit to post back to credit card. Nothing happened and I tried to resolve this by contacting XXXX. This " resolution '' process went for 3+ month and finally store rep told me to file a dispute w/ credit card company -- Chase. 

The process for charge dispute at chase stated that I need to open the transaction in question and website would offer an option for disputing that charge. When I tried that there was no such option. So I send a secure message to Chase. Two months later I tried to contact them again.. Each time I got a response they received my message and would review it carefully and reach out as soon as they can. There was NO response at all. On XX/XX/XXXX I contacted them again. and received a letter stating there is no open charge dispute. 

The " interesting '' fact in this story Chase closed my card 2-3 days  after I sent secure message asking them to open a charge dispute. So, they closed the card ( pretty sure their response to this would be " because we can '' ) and no they want me to pay for the product I have never received. 

I do not know what else can I do to resolve this. So i am using CFPB as the last resolved.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello. I have found several charges on my company 's Bank of America Statements that I believe to be unwarranted. I have tried to contact the bank about this, and they admitted that this was misleading, but due to the time passed, they offered me {$1.00} credit to my account. There are {$730.00} in fees. 
I believe the way the bill is presented to a customer is misleading and causes people to think they do not owe a payment, because the bill sent will show Account Balance as {$0.00} and Amount Owed {$0.00}. Even though I receive these eBills with that, I have been charge interest on charges between when I pay my bill and when the statement closes. The bank said, because I did't make the payment in between, I was charged finance fees for all purchases made during that time. The issue is when a bill is sent it shows that I do not owe anything. It is a company card and we make purchases daily. We also keep a {$0.00} balance to avoid any fees. 

None of these have been due to a late payment or no payment to the account.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

I received an offer in the mail to open a Wells Fargo account and receive a {$300.00} bonus for direct depositing a certain amount in the first few months. My wife received the same exact offer. When I opened my account online on XX/XX/XXXX, there was no indication that the promotion was credited. I went into the branch with my wife a few days later and she opened her account in person to make sure it was coded correctly. The XXXX in the branch also said they would fix the coding on my account to reflect the promotion. 

My account was credited a bonus of {$200.00} on XX/XX/XXXX ; not the {$300.00} as advertised ( and as the clerk in the bank assured me they fixed ). I contacted Wells Fargo multiple times to get this resolved, but all they kept telling me was that the account was coded for a {$200.00} bonus and that was granted. I agree with them that it may have been coded that way, but that was due to a mistake of the bank employee, and does not reflect what was advertised to me. 

The final step was me filing a complaint with their internal customer advocacy team around a week go ( XXXX ). Wells Fargo responded to the complaint today, once again reiterating that the account was coded for {$200.00} and not acknowledging that it was coded incorrectly. 

Wells Fargo often runs similar {$300.00} promotions so there would have been no reason for me to sign up for a {$200.00} sign-up bonus offer.
Consumer complaint received 2020-04-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (PA)

I have tried to open up an online savings account with discover bank. I am getting a job in a few days and needed it to save money. I have tried since XX/XX/XXXX. They never emailed me back. I called 2 weeks ago and say one up and finally got it opened. It was opened for 1 day and then closed due to a business decision. I don't want this to affect me in any way. All I was trying to do us open an account. After calling the discover bank number they told me they couldn't give me any info but they I could reopen another application. I am not happy with them as all it is is a simple account. I didn't even get to transfer any money into it.
Consumer complaint received 2022-04-13
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. (CT)

In accordance with the Fair Credit Reporting Act XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Loan # XXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX Has violated my Rights 15 U.S.C section 602 A States I have a right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I was issued a Chase Southwest credit card. Four fraudulent withdrawals from ATMs after my wallet was stolen from a golf course. After I submitted the requested police reports the fraud department denied my claim. They have so far refused to explain why or offer an appeal.