davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: MoneyLion Inc. (MN)

On XXXX XXXX I requested a withdrawal from my Moneylion investment account. At the time there was {$250.00} available for me to withdraw. I requested the withdrawal in the Moneylion app ; the transaction was approved and I got a notice that funds would be sent to my XXXX checking account in 7-10 business days. On XXXX XXXX I received an email from the Moneylion support team which stated that due to a " system error '' I was allowed to withdraw an amount that exceeded the balance available for me to withdraw and my request could not be processed. When I logged back into the Moneylion account I noticed that not only did the amount available to withdraw decreased significantly, but there is also about {$59.00} missing from my account. When I logged into the Moneylion account to request a new withdrawal the amount available changed to only {$6.00}. There is a total of {$400.00} in my investment account.
Consumer complaint received 2017-06-19
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: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

On XXXX/XXXX/2017 First Investors Financing made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Consumer complaint received 2018-10-23
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. (NC)

I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts.XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018
Consumer complaint received 2022-07-11
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. (CT)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (MD)

I have been contacted by Professional Finance Company Inc I was at the hospital on XXXX XX/XX/2021. I have a letter from XXXX XXXX XXXX wit the approval of finance assistance. 

I submit this documents to them few months ago and I keep receiving mails from them to get the payment.
Consumer complaint received 2020-02-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd. (MN)

I keep getting calls from XXXX XXXX XXXX from someone named XXXX XXXX and a XXXX XXXX that I will get served and sued for breach of contract of a payday loan and for multiple bad checks when I haven't wrote checks. They are threatening to take this year 's or next year 's federal and state refunds as well as garnish my wages. I have asked for a validation notice of my debt and was told they don't need to send me one because im getting sued.
Consumer complaint received 2018-10-23
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. (WI)

On XX/XX/2018 I demanded XXXX XXXX provide proof of debt. On XX/XX/2018 they admitted they do not possess any evidence proving the information they are reporting. Additionally, they have admitted to reporting the alleged opening date as the date they acquired the rights to collect upon the account. This information is misleading and is resulting in an increased detriment to my ability to acquire necessary financing to participate in a lucrative investment opportunity.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (NY)

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the XXXX XXXXXXXX XXXX XXXX with acc # XXXX XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (RI)

XXXX XXXX established an account in my name without authorization and subsequently sent this account to collections. 

I did not agree to become indebted to XXXX XXXX. I did not authorize XXXX XXXX to create a debt in my name.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (NM)

XXXX XXXX FXXXX insurance was placed against an SBA loan unknowingly to the borrower. The lender, US Bank, took an additional XXXX dollars of flood insurance before the borrower was able to get it stopped. The lender required us to get flood insurance totaling XXXX XXXX dollars against a loan that had a balance of {$88000.00}. We feel that money is owed to us as we had borrow provided insurance in place and supplied proof of it which was acknowledged by the lender, even though they continued to try and take more money from us for their forced placed flood insurance. The documents I will provide show an accurate detailed timeline of events, as well as all of the documents the bank provided us.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told synchrony would reverse any fees generated. The account was notated but fees was not reversed. Reached out to synchrony a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a Synchrony bank error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted Synchrony bank and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a synchrony Bank error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (AL)

My loan is at XXXX % XXXX as of XX/XX/XXXX When i fist noticed my XXXX was below XXXX %, I reached out to Roundpoint Mortgage XXXX to request to remove the PMI, nothing was never done about it. This was done back on XX/XX/XXXX I had made several attempt via email, chat options, and via phone but none was successful. I have made a total of XXXX attempts At this point what should I do next to resolve this matter. I really don't want to refinance into another loan company at all. 

The federal law states when the loan is below XXXX % PMI is automatically removed. 
and I have a conventional loan.
Consumer complaint received 2017-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We are long-time Wells Fargo customers, in fact, when we use the ATM or sign on to online banking, the message thanks us for our 25+ years of being customers. In the XXXX XXXX, XXXX edition of the XXXX XXXX, there was an article about the ongoing sales practices that led to the current scandal. The article addresses a report that says the problems in the banks sales culture date back to at least XXXX far earlier than the bank had previously said We wrote to then CEO XXXX XXXX in XXXX about an unnecessary home equity line of credit that ended up costing us {$500.00} in fees. We did not need the line of credit and in fact, never used it. The banker at the time said it was good to have just in case. We were told in a later phone conversation by XXXX ( XXXX ext. XXXX on XXXX/XXXX/XXXX XXXX XXXX PT ) and XXXX ( XXXX XXXX ) that there was no pre-payment penalty. A full year later we recalled that the line of credit was sitting unused out there and considered using it for a kitchen remodel. We were unable to use the loan because of subordination so we closed to line of credit, again, without ever using it and were charged {$500.00} for an unnecessary, unwanted and unused line of credit. The response back from Wells Fargo was a cold form letter, not customer-centric and certainly not something we expected. Now that the banking scandal appears to pre-date the line of credit, I requested information on the entire process of the line of credit. Was the employee who signed us up for the unnecessary home equity line of credit paid a commission and/or bonus? Were they part of the scandal? Were they fired by Wells Fargo? Was anyone else involved in the line of credit a part of the scandal and did they receive commission and/or bonus for the loan? I requested yet again, that we be refunded the {$500.00} we were charged for an unwanted, unnecessary and most importantly, unused home equity line of credit.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that wer tied to a fraudulent bankruptcy removed as well as these items were a result of ID theft. I waited 3 hours to speak with a supervisor and was told that these 3 remaining accounts would not be removed : XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX. In accordance with FCRA 605B theese items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank has lied to me. they illegally foreclosed on me in 2010.I fought them and spent {$37000.00} with an attorney and they put the house back into my name. The promised a modification which I have not gotten as yet. They provided me with a confidentiality agreement which I refused to sign as they have cheated me and want to hide that fact under the rug by shutting me up. they once again are trying to foreclose and also refuse to locate money i sent them. They cashed the checks i sent but never applied the money to y loans. ( XXXX loans ) .Please wo n't you help me. No one has as yet.
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

Ive been receiving calls from. Robot for 4 years now. Sometimes 4-5 times a day. Stating that they can help me with my student loan. I dont have a student loan!! I paid it off in full, cash over 4 years ago!!! I ask people to stop calling me and to take me off their mailing list bc I DONT HAVE a STUDENT LOANS ( of its a human ). Most of the time it is recordings or Robots calling. I block them each time but they just call back and few hours later from a diff number. I cant even pick up unknown numbers anymore and that affects my business. 

It is a Crime if they call me ever again after I tell them to stop once. My Mother keeps telling me to call my Atty Ge earl and report them.
Consumer complaint received 2023-04-01
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. (TX)

Someone opened the following credit card accounts XXXX XXXX, XXXX card in XXXX. XXXX credit card in XXXX, consolidation capital in XXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (TX)

I called XXXX / XXXX XXXX in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

We have a mortgage with Chase Bank. 

On XX/XX/2022, we received our monthly statement. It indicated that we had failed to make a payment due XX/XX/2022. 

I immediately called chase bank to determine the status of our payment as we had made payment on XX/XX/2022 for {$1500.00}. The payment was processed through our online banking bill pay through XXXX bank. Previous payments have been made a received through this same bill pay. 

I was told that I shouldnt be alarmed and that the payment may surface. I informed them that my payment due In XXXX was already in process. I agreed to follow back up with them in a weeks time. They indicated that my credit was not at risk during the call. 

I received an automated text from chase bank on XXXX indicating that my mortgage needed attention. I was already aware of the issue with the XXXX Payment. I went to login through the text link. Because of my lack of technical aptitude, I managed to get security locked out of my account. Frustrated I decided to call them when I had time to speak. 

I followed up on XX/XX/XXXX by phone to determine if I should take any action. I was informed that they had not yet received my payment. I offered to make a payment by phone to cure the issue so there would be no adverse credit reporting issues. Im in the real estate business so good credit is very important to me and integral to my ability to finance. Payment was taken over the phone. Late fees were waived. The operator indicated that she thought my account was still too new at chase and likely not even reporting yet.

Today I woke to a notification that my credit score has dropped by XXXX points. From XXXX to XXXX. This is due to an erroneous derogatory complaint made by chase concerning this account. 

Chase inaccurately represented their intentions to send derogatory information on my credit report. Further, despite the fact that I spoke with them twice, they did not provide me with an opportunity to correct the problem in a way that would have prevented the derogatory event from happening. 

I spoke with Chase this morning. I Spoke to three people for about 90 minutes. I was told they would have to review the recorded conversations, and they needed evidence from me. I emailed them my payment confirmation from XXXX for the disputed payment and demanded they act quickly to repair the damage they have done to my credit. They appeared unconcerned and could not assist in expediting a solution. 

This is inappropriate reporting. Derogatory information should only be reported when there is clear default. These credit reporting practices are abusive and they should work much faster when they erroneously damage a customer.
Consumer complaint received 2022-03-11
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. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-07
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. (AZ)

Okay TransUnion is showing several inaccurate accounts on my credit report. I have disputed the inaccuracies and TransUnion refuses to correct or delete this information. My rights are that they must be complete, accurate and verified. I have accounts that do not belong to me. There are addresses that do not belong to me. TransUnion still refuses to correct these issues. I am filing this complaint as just one-step in the process before initiating legal proceedings in a court of law. The accounts are : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX Account # XXXX I have sent TransUnion the reasons on why these accounts are inaccurate . It is concerning that, the accounts were deleted from XXXX but TransUnion will not do a proper investigation to remove. I will also be filing complaints with the FTC and Attorney General before taking legal action in a court of law.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Place negative reports on my credit when these accounts are not mine, I was a victim of identity theft and I let them know and had a freeze placed on my credit. They have placed this same account on my credit file XXXX. The company is XXXX XXXX XXXX and the dates where XXXX and XXXX
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone opened the following credit card accounts XXXX XXXX, XXXX XXXX  in XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX  XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them
Consumer complaint received 2022-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I was forced to transfer to this lender in XXXX of 2021. It had been XXXX every since. When I call I am either brushed off or lied to. No one knows when my payment for my prior lender made on XX/XX/2021 for {$200.00} will transfer over even though all of my other payments have tranfered over. They also lied and said my XXXX payment was made to the wrong address and was rejected which was a LIE! The payment was applied like 3 days later. Please review all of my calls from XXXX to current to hear all the lies and inaccuracies. It was a PAIN getting documents from them when my loan was transfered over but they want me to pay then XXXX and they provide terrible service.