davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (CA)

Ive had my account with MoneyLions bank for approximately a year and a half to two years and Since XXXX of this year I have been requesting to receive a debit card however they have advised me that they have sent two cards out already which I still have not received with that being said my tax return as well and my stimulus payment were both deposited into that account and the money was compromised so I filed a dispute at which they did provide a provisional credit within the 10 days which is what the law requires however they have blocked my account so I have no access to the funds even tho they sent an email Stating that the provisional credit Has been applied to the account and I have full access of the funds which is not the case so I called them spoke to multiple representatives and nobody was able to help me it is not legal or ethical to provide a provisional credit and then block the account you can not keep a consumer from their own rightfully earned money due to fraud They also said that the manufacture that produces there debit cards is having issues so they are not sending out cards Im also not able to link an external bank account so when the block is removed its going to be difficult accessing my funds
Consumer complaint received 2023-02-10
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. (GA)

On XX/XX/2022 I mailed out letters to all 3 credit bureaus that prompted them to respond within 30 days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all 3 bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have been disputing this collection account on my reports with XXXX XXXX XXXX for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, Bank of America sent me a letter informing of their decision to close my credit card. 

They listed reasons that did not apply to my account, my relationship with the bank and an inaccurate credit score. 

I was very concerned, as this is the second credit card closed by Bank of America. The previous closure did not provide a letter indicating the reason for closure.

I spoke with withe 5 different Card Services agents over the course of 30+ days and communicated with them via XXXX. 

Although the last person I spoke with, XXXX, agreed that the reasons listed in the letter did not apply to me, based on their review of my credit report, My accounts remain closed. 

A letter from Bank of America dated XX/XX/XXXX simply stated that we accurately reported to the consumer credit reporting agencies. At this time we consider your dispute closed. 

Curiously, my problems began when I retired.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-02-10
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. (FL)

To Whom It May Concern, On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX  XXXX Account number XXXX you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter.Therefore, your response was due on or by XX/XX/2022 Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming account verified but sent no proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have nol made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed Information. Additionally, as per the FRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) [ ( Select one ) modify or delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my malling address listed above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 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 2019-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (PA)

I got into a car accident where I was a victim of hit and run insurance didn't cover the accident. It wasn't until around XX/XX/XXXX of 2019 we tried to do an involuntary surrender of the vehicle, I was told by the lady who worked for the bank that holds it " sorry we don't do that. '' I called again about it XXXX days later and they finally agreed to take it I gave them the information as to what company has the vehicle. XXXX days later I go back to check in with the garage where I was keeping my car, the owner of the shop told me never got a phone call, I call the bank and gave them the owner 's number. Next XXXX days they sent an estimator out and shipped the car off to another place for the car to be sold. The shop has waived lot fees for me from XX/XX/XXXX to about XX/XX/XXXX of 2019. From that point on till the time the car was removed I paid the garage XXXX $ in fees. A couple days later I get a letter from the bank saying I owe them about XXXX $ ; XXXX $ for the transportation from the shop in XXXX XXXX, PA to XXXX, PA and XXXX $ or so for the day it was sitting there before the bank got the car. The letter also stated it will be sold within XXXX days of this letter and that I would receive a call. A month goes by I call the bank they told me the car was estimated to be about XXXX $ and they would call me when it was sold and that the car was being sent to auction in Texas. They also tacked on another XXXX $ for what they claim is lot fees from the shop out here in XXXX XXXX. It has been over 4 months since they have had the car and has been shipped to multiple auctions already and still not sold. At this point it seems as if the car may have been sold and not applying the proceeds to the loan. The shop I had it at is called XXXX XXXX XXXX XXXX. There estimate was the car is worth about XXXX $ - XXXX $ in a basic good condition, my car 's damage was to the back passenger and bad enough the trunk wouldn't close ; the estimate given for that condition is XXXX $ - XXXX $ and XXXX $ in repairs.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-08-21
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. (MI)

I filed for a chapter XXXX Bankruptcy on XX/XX/19 that was discharged on XX/XX/19. Experian and XXXX Bank are reporting this debt that was discharged in the Chapter XXXX as charged off. None of the accounts were ever delinquent or charged off debt. I've tried to dispute this to correct the information but it keeps returning as correct information.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting 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 XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 


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. 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 2022-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On the date of XX/XX/22 I mailed a letter to Transunion disputing several accts that had erroneous information on them, which are hurting my credit score & are subsequently in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22 & responded that they would not conduct an investigation because they claimed I had a " third party '' acting on my behalf WHICH IS A LIE. Also it is not against the law. On XX/XX/22 I mailed my response that I did not have a third party acting on my behalf & that I wanted a full investigation into the inaccurate accts. They NEVER RESPONDED which is against the Law ( FCRA ). Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies states the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Consumer complaint received 2019-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On or about July 2/3, 2019 I called Carrington Mortgage to advise I would be send one full payment and a partial payment which would be enough including what was in a " holding '' account to make a full payment. I spoke with a XXXX. I was told I would need XXXX to make two full payments. I was also advised I would not have to pay late fees at this time and the money would go to my mortgage payments which would leave me owing for XXXX, 2019. On XX/XX/2019 I paid through my online banking XXXX, thinking I would have a little left over in the " holding '' account. On XX/XX/XXXX I called Carrington Mortgage and was told I owed for XXXX and XXXX. I advised this was not true and got very upset. The rep then told me she did not understand but that there was a full payment in the " holding '' account and that XXXX had gone to late fees, which I was told previously I would only have to worry about catching my house payment up. The rep advised she would send in something in order to have the XXXX payment processed. Today I observed in my online acct that did take XXXX out for late fees. 
Today, XX/XX/2019, I received two calls at XXXX XXXX, one call at XXXX XXXX, and one call at XXXX XXXX in which I finally answered and was told my account was in default. I have already been scammed by someone claiming to be my mortgage company and I am not in default with my mortgage as I owe for XX/XX/2019 at this time. The guy said he was with Carrington Mortgage and I asked why he called me 4x in a row and he said he was collecting a default mortgage. This is harrassment from this company and the fact that they did not give me credit for one house payment but took late fees from it, is also a big problem for me.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Mailed a corporate check for {$88000.00} to XXXX on XX/XX/XXXX. 
Check was intercepted in the postal system and then presented at TD bank in XXXXXXXX XXXX  on XX/XX/XXXX. 
The check had been washed but only the name of the addressee had been changed. 
No changes to : pay to, amount, check number. 
TD took the check on deposit for a new account. TD called to inform us that they thought this might be a fraudulent transaction. Unfortunately, because the teller took the check into TD bank even after realizing it was fraudulent my funds were transferred to TD bank. 
I now had to start the process of police reports, affidavits from both me and our payee in XXXX. 
I was told by my bank, XXXX that all I could do was provide any documentation requested and wait. 
XXXX XXXX informed me on XX/XX/XXXX that TD had been informed and that TD had 90 days to respond. 
I did finally get my money back on XX/XX/XXXX. 
Because it was such a large sum I had to access our corporate LOC for operating capital at a cost of $ XXXX week interest. 
This is all the result of a bank employee at TD bank in XXXX XXXX  not handling the transaction correctly and taking funds clearly not designated to this customer and appearing fraudulent into deposit. The result was a lot ofXX/XX/XXXXand {$1600.00} in unnecessary interest expense with no communication and no recourse to TD bank.
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OK)

COMPLAINTIDPRIMARYCONSUMERPRODUCTANDISSUECONSUMER-IDENTIFIEDCOMPANYSUBMITTEDSTATUSXXXXXXXXXXXXGeneral-purposecreditcardorchargecardClosingyouraccountELANFINANCIALSERVICESXX/XX/2019Thecompanyrespondedpromptlywithanexplanationthathadnothingtodowithmycomplaint.
STATUSSenttocompanyonXX/XX/2019CompanyrespondedonXX/XX/2019RESPONSETYPEClosedwithexplanation/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/Myoriginalcomplaintwas:Icannotuseaphone.
Iopenedtheaccountwithoutusingaphone.Icannotgetaccesstomyaccountwithoutusingaphone.Icannolongerusethecreditcardbuttheycontinuetakingmoneyfrommycheckingaccountmonthly,andIcannotstopit.Icannotevenclosethecreditcardaccountwithoutusingaphone.Irepeat:Icannotuseaphone.

Thecompanyrespondedpromptlywithanincorrectexplanationthathadnothingtodowithmycomplaint.

CompanyresponsesaysIcannowaccessmyonlineaccount.ButtheynowwantmetosupplytheanswertoasecurityquestionthatmakesnosenseandIhaveneverheardofbefore.

"whowasyourfavoritemanager?''managerofwhat..

IwasgiventwophonenumberstocallifIhadanyquestionorcomplaint.

CompanyresponsealsosaysIcannowaccessandusemycreditcard.whenItriedusingitIwasrefusedandgiventwophonenumberstocallifIhadanyquestionorcomplaint.

Pleaseseethefirstsentenceofmycomplaint.


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