davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (FL)

Southern Management XX/XX/2018 amount : {$100.00} I am the natural person, Creditor and Consumer according to 15 USC 1692a ( 3 ) - defines Consumer Pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft.

15 USC 1681 ( 4 ) 15 USC 1681b 15 USC 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the XXXX credit bureaus. To date, the XXXX credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX  XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX XXXX points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX 's credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX 's account, dropped my score XXXX points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.
Consumer complaint received 2020-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (VA)

I check my credit bureaus every month to ensure accuracy. This month the credit bureaus are reporting for the first time an open account with PayPal credit. I have no such account.

In response, PayPal has told me that I do have an account with them open for several years ( although with a XXXX balance ). This is not possible as evidenced by the fact that never in the past decade has such an account been listed by the credit reporting agencies.

To close an account, PayPal requires a phone call to a live representative. When I did so and explained the situation the representative told me that they would investigate the account as fraud and that the account would remain open until the conclusion of the investigation. I explained that I simply wanted the account closed. I was told I could only do so by verbally acknowledging the account was valid while I was being recorded. 

The fact that one of the largest online entities on the globe will allow an account in their name reported online on their website but refuse to allow online account closure by the consumer underscores the deceptive nature of their business practices -- the company opens credit without notice or authorization and then makes closure of the account more difficult.

PayPal says it has closed my account.

I urge the CFPB to institute an investigation into the credit lending practices of PayPal credit.
Consumer complaint received 2020-02-16
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. (TX)

Experian did not remove inquiries that were dated for removal of XX/XX/2020. They completely ignored the inquiries. Also, the Dept of Education loans should state deferred with 0 monthly payment which they have also refused to correct. They closed them before by error and had them listed as paid off. Now they have only open, missing deferred and it still has a monthly payment. I want this addressed immediately but they turn it into a 30 day investigation for items that have already been disputed. These inquiries should immediately be removed and accounts updated!
Consumer complaint received 2020-02-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/26 I opened a savings account with Capitol One that had a {$500.00} bonus. In the terms it stated - " To earn a bonus your account must be funded with at least {$50000.00} in new money from an external bank within the first 10 days of account opening ( Initial Funding Period ). You must maintain your daily balance for the first 90 days following the initial Funding Period. If we determine you satisfy the eligibility requirements, then we will deposit the bonus money into your account within 60 days following the 90-day balance maintenance period. '' There were no other requirements shown on my confirmation page, I have screen shots ; and the email confirmation I received from them said - " XXXX, Way to go! You made a smart choice to open your new 360 Money Market account from Capital One. And dont forgetsince you opened your account with promo code XXXX, you have the opportunity to earn a cash bonus. '' This email also confirmed that I had opened my account using this promo. I followed all terms but 6 months later I realized that Capital One had not deposited the bonus into my account so I contacted them on XX/XX/XXXX, they confirmed that I made the initial funding period and said they would look into it. On XX/XX/XXXX I had not received any response, nor funds, and called Capitol One again. The representative said that I was not eligible because in the 90 's I opened a joint account with my then underage niece with ING direct ( a bank Capital One apparently absorbed ) which somehow made me ineligible. This is just plain wrong, and clearly a bait and switch situation! Capital One held onto a large amount of my money under the guise of a promotion for greater than 6 months and now refuses to make good on their promises. Had they contacted me and told me that I was ineligible at any point prior to the 6 months of having my funds, I would have withdrawn them immediately and understood, but that would have affected their bottom line and made them seem honest. The treatment I received was completely unethical.
Consumer complaint received 2022-10-12
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. (MO)

I am a XXXX mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX 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 Thank you very much Delete from my report
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AL)

Hello I have an American Express serve prepaid card account & haven't had any problems until today XX/XX/2020 there is an unauthorized charge of {$49.00} on my account which was my bill money to pay a bill due on this same day & it is impossible to get I touch with anyone to get help with this problem that is really about to cause me unnecessary issues & late charges due to utter incompetence, I have tried contacting for help & nothing at all I need something done about this immediately thank you!
Consumer complaint received 2020-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER (FL)

I have requested for the removal of my property mortgage insurance ( PMI ) from my mortgage ( lender ) for the past three years. I have put the request in writing both in email form as well as mailing a certified letter with confirmation signature of receiving. My first request dating back to XX/XX/XXXX and the latest on XXXX XXXX. 
On XX/XX/XXXX I was advised by customer service to submit the request to supervisor XXXX XXXX, and to include her manager XXXX. I received a follow up email from XXXX stating " The MIP will automatically be terminated by HUD. We have attached the document & highlighted the termination date. Have a beautiful day ''. 
I tried calling XXXX to discuss her email and instead I received a follow up email stating " Please see the attached Servicing Disclosure Statement wherein it states that we may assign, sell or transfer the servicing of your loan. I have also attached a copy of the XXXX XXXX requirement wherein the MIP Insurance must remain on each individual loan. As we have stated previously the MIP will be automatically terminated and there is nothing further we can do at this time ''. 
My loan is a FHA 30 year loan. Not only does the information XXXX has sent does not apply to my request or mortgage closing disclosure documents, the attachment XXXX sent is a falsified signature document dating back three months before the closing date. According to my mortgage contract signed on XX/XX/XXXX is as follows ; FHA LOAN 30 year If mortgage was Originated prior to XX/XX/XXXX 1. The loan has to reach 78 % loan-to-value from the last known value of the home and not its current appraised value. ( The " last known value '' is the value of the home at the date of purchase ; the last time the home was FHA-appraised. ) 2. Annual MIP has been paid for at least 60 months. 

My closing date was on XX/XX/XXXX, and as per my closing documents I can request for removal of PMI once 5 years and/or 80 % LTV. All payments have been made in a timely ( never late ) as well as additional funds towards principal have been made, thus bringing the LTV below 77 %. Again, I have been requesting the removal of the PMI from mortgage and have been given run around. I have left messages for XXXX and XXXX to call me regarding matter but have been ignored.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (NC)

On XX/XX/XXXX I took out a credit builder loan account with MoneyLion. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with MoneyLion. MoneyLion had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

MoneyLion should had left the old account shown as closed and paid in full. MoneyLion should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Consumer complaint received 2020-02-15
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: Paypal Holdings, Inc (MI)

I am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " BILL ME LATER INC/PAYPAL '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " BILL ME LATER INC/PAYPAL ''.
Consumer complaint received 2020-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (OH)

moneylion is a investment lender.. a small loans is provided and a portion of the installment is invested back to the company and portfolio.. after unexpected hospitalization i tried to settle an cancel thinking the invested portion of the plan would cover the loan.. moneylion denied my attempt an continued to withdraw from my account ultimately causing me to close my bank account due to excessive overdraft
Consumer complaint received 2020-02-15
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)

XXXX/XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-03-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (UT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BONNEVILLE COLLECTIO XXXX Balance {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with CKS PRIME INVESTMENTS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$540.00}
Consumer complaint received 2020-02-15
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)

XXXX/XXXX  XXXX XXXX/XXXX  XXXX Account # XXXX XXXX   XXXX XXXX XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

This complaint is about my brother 's account. In XX/XX/XXXX, he was in the hospital with a XXXX for XXXX weeks when I discovered fraud on his account - someone had created fake checks & they were being paid by the bank. In XXXX, I went into the bank to report this & they finally agreed to freeze the account so no more checks would clear. Six checks had cleared totalling > {$6000.00}. A police report was filed. I provided them with a Durable Power of Attorney giving me authority on his behalf. After several trips to the bank finally in XX/XX/XXXX they took the information to submit to their main office. The fraudulent checks were numbered the same as valid checks that had cleared a couple of months before so the fraud was evident but the bank claimed that they didn't catch that because it was at the time of transition from BBVA to PNC. My brother passed away in XX/XX/XXXX, so today, XX/XX/XXXX, I went to the bank as executor of his estate to start the process of closing his account & to ask why the funds had not been redeposited to his account. Again another run around about why since the issue was filed XXXX days ago it had not been resolved. They want to start the process all over again. This is totally unacceptable.
Consumer complaint received 2020-02-15
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: CL Holdings LLC (AL)

Someone opened an account with XXXX in my name and they claimed a phone was sent to my address. Yet, they dont have any imei number or serial number for the phone nor proof of signature for delivery. I did not order a phone from XXXX and they have refused to remove it from my credit profile. The phone I was told by a representative was never used nor activated. They can not provide any contract or signature or ID that I opened the account. There claim however is that it was sent to my address. I've had XXXX  services now for 15 years. I have no purpose for their services.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (VA)

My charge card was closed due to delinquency b ack in 2016. Since then, I have been instructed by Old Navy to continue to make payments. I have advised them in the p ast, via chat, that I have fell into a financial hardship. At times, they waive the late fee, but that is not enough help. I am struggling and can only afford my rent, utilities, and food-the bare minimum. Whenever I try to call in, it is a hassle just being able to reach someone or have my call escalated.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CT)

M & T Bank is my mortgage company. Loan # XXXX. My property address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX. I fell behind in payments after my divorce in XX/XX/XXXX. I did a work-out sheet for monthly payments of {$2900.00} for 6 months. My regular monthly payment without the repayment plan is {$1300.00}. I could not make my XXXX payment with only 3 months to go because my fiancs mother took sick and she ( XXXX XXXX..fiance ) had to take care of her mothers medical needs which caused our income to plummet. M & T didnt offer me another work our packet and stated that Im yet having another crisis. Now Im being sued and my home is in the beginning of the foreclosure process. I have a return date for the Superior Court of XX/XX/XXXX. My ex wife did a quit claim deed so she has nothing to do regarding the property. I want to keep my house. Since I work full time M-F from XXXX-XXXXXXXX it would be advisable to call my fianc XXXX XXXX @ XXXX to answer any questions in my behalf. Thank you
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a home mortgage with Wells Fargo mortgage. On XX/XX/XXXX I was laid off and I contacted Wells Fargo to tell them that I was going to be late with the payment of XX/XX/XXXX. I did not ask for any other help I just said I was going to be late with ONE payment. 

THEY offered me a program where I could go up to 6 months with deferred payments if I was having trouble finding a job On XX/XX/XXXX, I started a new job. During that time I paid one mortgage payment. Wells Fargo then said that they were look at restructuring my loan. They were going to send out paperwork that I had to fill out and send it to them. A week went by and I never got anything so I contacted Wells Fargo. They said that I did not need to fill out any paperwork they were restructuring my loan and I did not have to pay XX/XX/XXXX payment. Note : I did not sign anything I did not ask for that again they set this up without any of my knowledge. I felt they had no other choice at the time so I agreed to that. 

After our agreement was already set in motion, on XX/XX/XXXX, they sent a report into the credit bureaus that I was five months behind on my mortgage. My credit score immediately dropped 85 points. Since then credit card companies have been reducing my credit card maximum to amount owed. This increased my debt to available credit ratio. Today my credit has dropped 150 points.

I have been going back-and-forth with Wells Fargo on removing that credit report of five months because theyre the ones who told me to do it and I agreed to itjI have been going back-and-forth with Wells Fargo and removing that credit report of five late months because theyre the ones who told me to do it and I agreed to it. I did not ask for it
Consumer complaint received 2020-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

Hi, I have currently over $ 10K in my savings account that I can not transfer out to my other bank. They said my there is a security issue and asked me to send me a copy of utility bill to verify current address. I sent it three times but first two time they said they did not receive it, and third time they say they can not verify. The address on proof matches the address on my account profile. I feel I have wasted a lot of time trying to resolve this. Customer service is sarcastic with me.