davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (OH)

MoneyLion kept billing me even though I canceled my credit builder plus account after I paid for my loan in full in XX/XX/XXXX. I received a bill in XX/XX/XXXX and XX/XX/XXXX for the {$19.00} membership fee even though I clearly canceled the membership and completed the loan. The membership regularly costs {$19.00} and MoneyLion attempted to keep charging me claiming that I owed them additional money. Every time this occurred I had them escalate the issue and they refunded the money. This needs to stop so they need to cancel my account. They will not delete my account and more importantly my personal information. They have my direct checking account information and can just randomly bill me at any time and deny me a refund. My information has been compromised by MoneyLion.
Consumer complaint received 2021-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and trans union is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (AL)

Identity stolen through Equifax data breach. Been trying to work with them to get fraudulent inquiries removed but they wont. 

XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/202XXXX 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 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (IL)

Account # XXXX - XXXX XXXX/Continental Finance On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX/Continental Finance has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX Alert reflecting that the amount was taken from my checking account. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX and was told that XXXX XXXXContinental Finance has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX  on XXXX and will file with XXXX  today. XXXX  has updated this account has paid on my credit report. I would like for the XXXX XXXXContinental Finance to request removal from all three credit bureaus. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, XXXX XXXX Letter , & Police Report from the fire is attached.
Consumer complaint received 2021-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was charged on my credit card as a fraudulent charge. I have submitted documents to CapitalOne and they refuse to reverse the charge and will not charge the merchant back. I refuse to pay the charge although I have submitted proper documentation to them and they are threatening to pursue collections and put this against my impeccable credit if I dont pay the charge. I have supporting documentation on hard copy which if needed I can mail to you upon request.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

they keep raising my interest rate and i 'm constantly paying every month and my balance isnt going anywhere as majority of my payment goes to interest and not principle. they keep raising and raising and not telling me. just seems near illegal. I call them to help and they do nothing. i know they are getting sued by the government. i was told file a compliant thats all i can do for now.
Consumer complaint received 2023-05-20
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: CORELOGIC INC (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal FCU closed my previous credit card with a limit of {$17000.00} in 2018. There were missed payments that I didn't not agree with. I tried to resolve this but have gotten no where. This has caused me to get turned away from mortgage lenders as I have been eagerly trying to purchase a home.
Consumer complaint received 2021-07-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Citizens Bank Mortgage not letting me out of forbearance. Not able to refinance and costing me over {$1000.00} a month due to current high interest rate with them. They know I can't refi due to XXXX XXXX  regulations as long as I'm in forbearance.
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-11
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)

I have contacted the creditors and all 3 major credit reporting bureaus to correct the information on my credit profile and none have provided any remedy for the fraudulent and incorrect statements reported on my credit profile.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has repeatedly told me I don't have minimum payments set up even though I very much do. They waived a late fee as a result of their error but my minimum payment is now going up. In addition, they want to charge me the late fee and then later credit my account because this was their mistake. 

I am on a fixed income and I can not afford this. No one has apologized, I was hung up on, spoke to a 'supervisor ' who turned out to not be a supervisor, have not been offered a credit to fix this issue. 

This is ridiculous, I feel trapped and the bank is basically calling me a liar. It feels very exploitative. I have metadata on my phone and recordings proving that what they are telling me is not true.
Consumer complaint received 2019-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I rented an apartment at XXXX XXXX in XXXX XXXX XXXX, Texas. I was evicted over a year ago and just found out that I was put into collections by NATIONAL CREDIT SYSTEMS. I was never notified and my phone number and email has never changed. I was never notified of charges, and never contacted by the NATIONAL CREDIT SYSTEMS or XXXX XXXXXXXX.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-11
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. (NY)

Can Somebody explain what transunion is doing with the account of acceptance now First Transunion reported 2 late payments The later in Transunion changed to 1 late payment Then last Trasnunion changed to 5 late payments What transunion is doing is completely is illegal by the law with a account that is inaccurate closed With XXXX  my report is showing no late payments So according to Transunion this information is from the furnisher That is big lie So how XXXX  isnt showing any late payments and last this was an agreement without my signature Trasnunion dont make any sense or any logic They keep changing almost every week In an closed account the most illegal action Enough is enough I will see Transunion is court What Transunion is doing deserves a big law sue Is ruthless action and discriminatory action against me I never saw something like that the most ruthless action against me
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several addresses that do not belong to me that I have filed a complaint over in the past. PLease remove the following addresses : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

The is a fraudulent account that was on my credit report that I have never don business with this company XXXXXXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

AGAIN IM ON HERE DOING COMPLAINT AFTER COMPLAINT ABD IT DOES NOTHING. THIS GROUP WONT GET OUT OF MY PHONE AND LEAVE ME ALONE!!! PREVENTING ME FROM REACHING MY OWN FAMILY IN XXXX TO TRY AND FIND A PLACE TO STAY AND BECAUSE MY SIS IS A FORMER XXXX XXXX WITH A HUSBAND A XXXX XXXX THEYNOT ONLY PREVENT PICS FROM GOING THROUGH, NOTHE WHOLE MESSAGE! AND DONT THINK THIS IS ISOLATED INCIDENT WHERE YOU CAN SCAPEGOAT BY SAYING IM CRAZY CFPB! WE AS HOMEOWNERS ARENOT XXXX!!! THEY BEEN DOIN THIS ALL ALONG TO ALL OF US! ITS WHY YOU NEVER HEAR DROM US!!! THE OBSTACLE COURSE A HOMEOWNER HAS TO NAVIGATE JUST TO EVEN TRY AND REPORT ANYYHING TO ANY AGENCY THAT GIVES A XXXX YET FIND LEGAL REPRESENTATION FOR THE XXXX XXXX XXXX XXXX  IS JUST SAD AND BORDERS ON CORRUPTION! THERRS NO DENYING LOGIC. AN INDUSTRY PROVEN TO RAMPANT WITH FRAUD YEY HARDLY EVER REPORTING OF IT BY HOMEOWNERS. WOW, I GUESS JOB WELL DONE AGAIN. YET RHE CFPB KNOWS THAT IS 100 % WRONG! WERE HERE! WERE BEING SUBJECTED TO ALL KINDS OF FRAUD AND DAMIGING METHODS ON THEIR EFFORT TO COVER UP ABD YOU SIT THERE AND PAT YOUSELF ON THE BACK. ONCE AGAIN A FAILURE TO ALL HOMEOWNERS NATION WIDE.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to Transunion, XXXX XXXX and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXX, TransUnion, XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX investigation into a late payment on my account shows data unchanged its still late 30-59 days. I received a letter from the original creditor which states that they will be removing the late payment