davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX  XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different balances {$1000.00} {$590.00} Date Opened three different dates/ years apart XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

please see attached proof
Consumer complaint received 2020-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Minto Financial dba Minto Money (AZ)

I checked my bank account and noticed my account balance was higher than expected. I received a deposit into my personal checking account for {$750.00} from Minto Money. This is a loan company that I have never used before and only found out about  after researching the name of XXXX because of this deposit. I have two emails one at XXXX that was in my Spam folder saying I was approved for a loan and to click to e-sign. The second email, also in my Spam folder, was at XXXX stating my loan had been processed and approved. I was currently sleep at the time this all occurred. Throughout the day I never received any phone call stating I received a loan and I did not receive an emails to my main inbox stating anything regarding this loan.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (TX)

On XX/XX/year>, I requested XXXX loan that I would pay back in XXXX weeks, which would be paid back on XX/XX/year>. On XX/XX/XXXX I was checking my bank account and found that MoneyLion was charging me the XXXX dollars and another XXXX I than looked at my MoneyLion account and found that someone hacked my account took out another XXXX and another XXXX loan that I didn't authorize and put XXXX other XXXX  cards on my account that were not mine. When you want money faster MoneyLion will charge you extra to receive the money within XXXX, thus the fee of XXXX that was added to the XXXX which equals the charge of XXXX that I didn't authorize on XXXX. 
I usually wait the XXXX  to receive it, so I don't get charge extra for borrowing the money. 
I called MoneyLion to tell them that someone hacked my account and made fraudulelnt charges or loans that I didn't authorize and to stop anyone else from charging me and for them to investigate the matter. They said they would and I thought it would be resolved since they had access to see who did this and get the money back. But I was wrong. 
I got my XXXX XXXX involved and asked them to give me a new XXXX  card and to help me. 
They looked into the matter and after XXXX  days told me since MoneyLion has my name, phone number, and address they they can't help me with this fraud case, and I have to fight MoneyLion. 
MoneyLion told me last XXXX  that they were sending me the money but today they said it wasn't fraudulent, I ASKED THEM THAN WHERES THE XXXX that I never received? 
After getting upset with them they told me that they can't help me and its not their fault. 

So I'm out XXXX  because someone hacked my account on MoneyLion and MoneyLion can't look to see how all this took place within XXXX and I didnt even do any of the transactions that XXXX  on XXXX XXXX, XXXX.
Consumer complaint received 2023-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-03-31
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)

Experian is intentionally reporting false balance information on my credit report despite my providing evidence demonstrating the patently false information. In addition, upon my filing a dispute over this, Experian closed the investigation not by correcting the error or removing the tradeline but instead allowing the account to be " updated '' to be re-aged as a new late payment. I have attached documentation. 

FALSE BALANCE INFORMATION I do not owe {$220.00} on XXXX. To explain, my XXXX account was disputed. Recently, XXXX settled under the lemon law by buying the financed vehicle back. This was done by re-paying me for the payments I made, less the cost of use. In other words, I was charged for the full amount of my use as part of the buy-back. Common sense and simple math dictate that I can not owe anything after the settlement check was calculated by reducing for the cost of my use of the vehicle. I filed a dispute with Experian and provided them the proof to support these assertions. 

RE-AGING After " investigating '' Experian closed the investigation by updating the reporting of the XXXX account to re-age it. Indeed, I learned of the re-aging because Experian sent me an alert that stated I had a " new '' late payment. I have attached this information. 
Instead of correcting the false balance information
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

I called my Mortgage Company trying to get help because I am out of work because of COVID19. 
They are saying they can give a frobearance for 3 months but at the end of 3 months the full amount is due. 
How do they expect unemployed people to come up with a large balance due at the end of 3 months? This is Not helping.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I had noticed on my online account that my credit limit had significantly decreased from {$3100.00} to {$500.00}. I requested a limit increase on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX indicating the reason for my credit limit decrease was as follows : 1. Accounts last reported in delinquent status 2. Serious delinquency 3. Proportion of balances to credit limits on bank/national revolving accounts is too high 4. Time since delinquency is too recent or unknown. Being a person who has never missed a payment and always has paid well over the minimum amount I was confused and angry. I called the company on XX/XX/XXXX and demanded an explanation. She simply repeated back to me what was on the letter and said I could file a complaint and a manager would contact me in 2 to 3 business days. Sure enough, I did not receive a call from a manager. I made a call today XX/XX/XXXX and demanded I speak to a manager and instead the representative spoke to the manager and came back to tell me it was the banks decision to do so. She then tells me that a lot of people are calling with this complaint of decreased credit limits. No explanation was given as to how I was viewed as a delinquency customer and my credit limit was not fixed.
Consumer complaint received 2020-03-31
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. (AZ)

Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

My loan was paid in full on XX/XX/2020, there was a remaining balance of roughly {$2500.00} in the escrow account. I have contacted CMG Financial three time inquiring about the refund. It is now XX/XX/2020 and I have yet to receive the remaining balance of the escrow account.
Consumer complaint received 2022-12-31
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-03-20
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)

There is an account on my credit report from CACH , LLC with an amount of {$10000.00}. 
I have no idea of what this is from or where the debt came from. I have disputed this multiple time with CACH , LLC. I have been told every time that it is " verified '' but I have never received one document of any proof. This must be a case of identity theft. 
CACH , LLC has filed Bankruptcy in XX/XX/2017 and Resurgent Capital is the alleged servicer of the account. 
This debt was caused by Identity Theft and Resurgent refuses to deal with my claim. 
This debt needs to be removed from my credit report and all collection efforts ceased by Resurgent going forward. 
I have attached a doc that show the reporting on my credit file.
Consumer complaint received 2023-01-24
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. (TX)

The XXXX account XXXX account XXXX XXXXXXXX, Experian account XXXX XXXXXXXX, and XXXX account XXXX XXXXXXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

My citi bank Best Buy card account says I owe {$530.00} when I owe nothing. At this point I have paid them more than what I have bought, the card has no interest. I have contacted them multiple times over the secure message part of the website that says I will be replied to in 4 hours. It has been a week with no reply. 

I do not owe any money on my Best Buy citi bank account. I have only bought {$1300.00} worth of items from Best Buy and have made payments or received credits of {$1300.00}. My charges are ; XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$16.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$210.00} XX/XX/XXXX for {$270.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$38.00} XX/XX/XXXX for {$20.00} XXXX {$200.00} I have made payments or received credit of {$1300.00} ; XX/XX/XXXX return of {$19.00} XX/XX/XXXX return of {$21.00} XX/XX/XXXX return of {$64.00} XX/XX/XXXX late fee reversal of {$28.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX payment of {$66.00} XX/XX/XXXX return of {$210.00} XX/XX/XXXX return of {$85.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX return of {$33.00} XX/XX/XXXX payment of {$100.00} XX/XX/XXXX payment of {$200.00} XX/XX/XXXX payment of {$130.00} Please correct this since I have only bought {$1300.00} worth of items and have paid or received credit of {$1300.00}.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (NM)

I have a military star card with an unknown minimum payment. This account has been open since XXXX of XXXX. I pay the full, or at least half of the statement balance each month through the mobile app. A late payment remark was put on my credit report in XXXX of XXXX. Im positive I payed on time and believe it was an issue with the mobile app processing my payment slowly.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX at XXXX XXXX. I was at my daughters yearly doctor appointment when I went Into my online banking account and noticed that {$720.00} was withdrawn from an ATM that was not authorized by myself. I had my card at the moment on me. I reported the fraudulent withdrawal to Chase bank ( J.P Morgan ) they cancelled my card and provided me with a {$720.00} temporary credit. And they filed a report to be evaluated. The first report was denied due to them saying it was a chip to chip transaction and pin being known. They withdrew the {$720.00} credit they previously gave me causing my account to go negative. I provided Proof that I was At my daughters yearly doctors appointment while this transaction was happening. I filed A second review and it was denied yet again. They stated that I have Used the bank which the fraudulent activity happened and the pin was known. Once again I was at my daughter pediatrician appointment 40 mins away while this fraudulent activity was occurring. I have Used that bank which the fraudulent activity happened before as well as many other Chase banks within the area. I have no history of fraud in years and no history of taking excessive amount of money withdrawal from an outside ATM. I always Go inside the bank if Im taking more than {$100.00} out of the ATM. Chase Bank will not reverse the claim and I am At a loss of money even though it wasnt my doing. Someone stole {$720.00} from me even though I provided Proof I was At the doctors appointment at the time this transaction was happening.
Consumer complaint received 2020-03-20
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: Experian Information Solutions Inc. (NJ)

Experian takes forever to update my credit report, when they update they always leave my score the same. They never increase my credit score as the other companies. They put a secure alert on my credit that I never asked for. They leave hard inquiries on my credit report longer than it's supposed to stay. This credit company is definitely out there to help only banks not consumers and make consumers feel losers. I am at a point to take them to court.
Consumer complaint received 2022-08-17
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. (NV)

I am a natural person, I am a living XXXX being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. Equifax violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Dispute Confirmation Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Account ending in XXXX
Consumer complaint received 2020-03-31
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. (FL)

I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. Thank you.
Consumer complaint received 2020-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I applied for a refinance of my Loancare mortgage loan in late XX/XX/XXXX. I was told that because of a previous bankruptcy, and that my mortgage payment history does not report to the credit bureaus I'd have to get a history from Loancare. I went on line and printed the 24 month payment history, knowing that I never missed a payment. When I presented it to my loan officer he told me that the history showed that my XX/XX/XXXX to my XX/XX/XXXX payments were all made on XX/XX/XXXX, and that I could not get the loan. I spent the next 2 months trying to get Loancare to explian ( in writing ) why they held those 5 payments until they creditied them on XX/XX/XXXX, and to correct the payment history so that I can get my loan ; they either sent me the same payment histroy or provided me with a 12 month history ( which does not cover the time period in question ). On XX/XX/XXXX, I contacted Loancare and sent a Qualified Written Request, asking for a satisfactory response by today or I would take this step.
Consumer complaint received 2020-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (LA)

Spotloan charges an interest rate of 490 % and I took an {$800.00} loan. The laws in Louisiana prohibit charging this amount of interest and APR. This was back in 2018. Now it is on my credit. I did not know the extra cost of the loan was that much.