davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (TX)

MONEYLION INC is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( MONEYLION INC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( MONEYLION INC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. MONEYLION INC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from MONEYLION INC for the cancelled debt in order to file as ordinary income. Where is my 1099-C MONEYLION INC is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! MONEYLION INC has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In MONEYLION INC terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of MONEYLION INC nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2024-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Trakk, LLC (MD)

The car was in an accident and it was paid off with gap insurance and they still saying I owe money for this car. XXXX XXXX saying I owe them {$1600.00} and I dont not owe them. From XX/XX/XXXX I purchased the XXXX. In XXXX the car was in an accident. My insurance company paid them XX/XX/XXXX and the account was closed in XX/XX/XXXX and I dont owe this amount.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

I have spent approx. {$35000.00} with   XXXX   XXXX   over the past  XXXX  years. I paid it off last fall. Recently they contacted me saying I owed them {$2600.00} for a table I had purchased in  X/2016,  that they state they mistakenly credited my acct. for. The person who called me ( I believe  XXXX   XXXX  ) said " they could not and would not bill me, unless I consented '' .I reviewed my records and could not find evidence of a credit. I called and got voice mail and left a message that I did n't agree with they 're claim. I never heard back by phone or in writing. Several months  ( approx.4-5 )   later, I got a letter from a collection agency  (   XXXX  ), stating I owed the amt. I sent a letter ( to  XXXX  ) disputing the claim with my supporting evidence.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  ) sent me a letter and a " revised audit of my purchases ''. The letter suggests I contact her to " discuss any discrepancies and/or payment arrangements ''. I called her twice on   XXXX   and   XXXX   and left messages on both occasions and did n't hear back. The " revised audit '' I believe is insufficient as it is not the original credit bill  ( s ) I received and there are inaccuracies on it ( delivery dates ), that make the document uncredible. I have excellent credit and I am very disgusted with this issue. At this point, I am prepared to have them pick up the table rather than give them more money. I think that the unresponsiveness by their representativ e is purposeful. I take seriously the threat to my credit. If there are ORIGINAL Comenity ( the credit card company ) statements like those I received that support that a credit occurred then I might reconsider my position.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I opened a checking and saving account at TD Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at TD Bank web site. You have to go to " Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the TD Bank customers like me have been charged {$1.00} for this.
Consumer complaint received 2016-10-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2016, XXXX 2016 and XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I was going through personal medical problems that could have been the cause of this but I thought I made every effort to make my payments on time in 2016.
Consumer complaint received 2017-04-29
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. (MD)

When I Stayed At  XXXX   XXXX   XXXX   Under Sec 8  They Tryed To Stop Me From Moving Unless They Filed An Eviction.I Took Them To Court And Judge Gave Me  15 More  Days To Move. I Did But When I Got My Sec Dep Report They Put On It Misc Owned And A Price Of   XXXX   XXXX  .When I Asked To Explain Tat Mic Charge Required By  Law.2 y rs Later When I Wanted To Move I Found Out They Placed This On My Credit Report Causing A Problem In Me Moving. I Sent Many Documents To Equifax But They Kept Telling Me That They Needed More I Did Not Understand. I Called Them Saying I Sent You All The Documents I Have And Can not Send Anymore.They Sent Me A n E ma il Saying Now I Had To Send Them A Fed Document And That They Will Not Accept Any Other Documents.I Sent All The Papers I Had Yet They Really To Me Have Yet To Investagate To Me. I See Where It Was Removed Twice By  One Credit Agency Yet Equ ifax Placed It Back On My Credit Report Knowing That It Was Removed Removed.I Asked Her Why She Said We Can Do That .Even If The Other Agencies Removed It I Said WHY? NO  ANSWER.Even Doc Bill That Are Not {$200.00} And Up Are There Too.Obama Changed That.They  Seem To Do Not Care How Much INFO You Give They Want You To Pay For A Credit Repair Agency No Matter What.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (ID)

I have a Wells Fargo XXXX Cash Rewards Visa. It is supposed to credit 2 % cash back on ALL purchases. For the statement period that ended XX/XX/2024, I had {$3600.00} in net purchases, after returns. That should have generated {$73.00} in cash back rewards. They credited only {$60.00}. 

The customer service rep claims to have no access to statements or account activity and so can not verify my purchases. He can provide no answers but offers to " open an investigation '' which will take up to 2 months to complete. 

This should be pretty simple but Wells Fargo makes it complicated.
Consumer complaint received 2021-06-04
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: ENCORE CAPITAL GROUP INC. (CA)

Last year I discovered a false account with XXXX now owned by Midland Credit reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CO)

I recently became unemployed and filled for unemployment benefits through the state of Colorado which then awarded me benefits in the amount of {$710.00}. Due to a technical issue my funds were transferred unknown to me to Chase Bank into an account that I believed was closed and paid in full. Upon contacting Chase Bank I was then told that not only was the account still open with a balance they then took funds from my unemployment and applied it to my account and would only be returning a partial amout of {$270.00}. I then advised a supervisor of Chase Bank that on XXXX XXXX, 2015 I made a deposit of {$440.00} to cover a balance owed of {$440.00}. I then provided the supervisor with the requested information from the receipt and was told I would be followed up with within 48 hours. I did n't receive any contact until I called back Chase Bank a week later. I then spoke to a different supervisor and was not given any info until I told her that I would be filing a complaint with the CFPB. At that point she told me that no payment could be located. She told me she would speak to her manager and again I would receive follow up within 48 hours. No follow up was made and again I called Chase Bank and spoke to another supervisor who told me that the info from the receipt was invalid even though I provided the original supervisor with all requested information as well as refused to let me speak to a manager or the Chase Corporate offices and that the only thing that I could do would be to bring the receipt into the original branch ( XXXX XXXX XXXX, XXXX XXXX, CO XXXX ) which is not possible since I am out of state. I asked if I could fax or e-mail the recipient which he told me was impossible. I then filed a complaint with the CFPB which also did not resolve the issue even though I provided all the necessary info from the recipient including the date, time, and associate who took my deposit. They then asked me to fax in the recipient even though I did twice already. Once on XXXX XXXX and again on XXXX XXXX but still have n't received any follow up or resolution on this issue. At this point if Chase Bank does n't resolve this issue I will be involving the FTC as well as taking legal action to recover funds.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CA)

PayPal extended me a line of online credit without permission and put out an inquiry into my credit history, resulting in a lowered credit score. At no time did I give PayPal permission to extend me credit or to run an inquiry into my credit history. I believe this to be fraud.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My home has been under the short sale program for several months with SPS, we have presented several offers to this company and all have come back being denied, my property needs repairs, we have been working with a buyer for several weeks that has spent time and money to prepare a bid for repairs for this lender. The value set on my property is for fair market value and my agent has been working to have the value properly reflect the repairs needed. Throughout this process we are all being told by SPS that my property did not have a sale date even though XXXX is publicized for XXXX XXXX XXXX, XX/XX/2015 at XXXX. As of today I am still having communication problems with having SPS advise their trustee that the sale scheduled for my property on Monday is on hold. They are trying to foreclose on me instead of working with my agent to sell my house. SPS has mislead us for several weeks and has lied many times by advising my agent that there is no sale date and that all is being worked on. When indeed there is a sale date and per their trustee it is active.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (NC)

THERE IS A INQUIRE N MY CREDIT REPORT FROM XXXX/BILL ME LATER THAT I DIDNT MAKE. I HAVE WROTE LETTERS TO XXXX/BILL ME LATER AND THEY HAVE FAILED TO RESPOND TO ANY OF MY REQUESTS
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

On XX/XX/21 my Coinbase account was hacked. I received an email that my password was changed, which I did not initiate. So I called the " customer service '' number, which was a recording asking if I'd like to lock my account. I did. I can not recieve emails from Coinbase, as it appears the hackers changed my email address associated with the account as well. So I opened another account with a new email address, filed a support claim and received a case #. I have emailed, send DMs on XXXX and XXXX, and heard nothing back, other than an email with instructions to protect my account, which I have no access too. My fear is that my identity information has been compromised, and that my funds are being stolen. There is no way to speak to anyone associated with this company. It is as if my money has just disappeared, and I am beyond XXXX out and emotionally distraught. I am being harassed by scammers as well, who are falsely claiming to work for Coinbase. This situation is a disaster and I am not being helped by anyone. I am desperate for help.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that when I traded my car in, the company did not pay you in time.
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I originally opened a credit card with XXXX XXXX in XXXX. The account was charged of in XXXX. On my recent credit report I see that the account was transferred to a collection agency that shows my account opened in XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (TX)

My name is XXXX XXXX XXXX, My bro account no : XXXX XX/XX/XXXX a fraudulent check was written out of my account for {$79000.00}. I have called the bank multiple times to file a dispute and I was told they were working on it and I should be getting my funds sent back to my account. as of today XX/XX/XXXX I haven't gotten my funds bank and BMO is giving me the run around about this situation. I can't talk to anyone in the fraud department since they don't allow customers to call directly. I need my fund to take care of my family please. I have been waiting for XXXX  months and still haven't gotten my funds back
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

The company I used to lease an apartment with, sent a security deposit refund check to my former roommate. The check was written to MYSELF AND HER. She cashed the check without my endorsement and refused to answer my calls and texts in order to give me my half of our security deposit refund from the landlord. The check was cashed around XX/XX/2020 at Chase Bank in the amount of {$700.00} by XXXX XXXX. 

I have more than a weeks time trying to get this resolved ; a lot of time has been spent communicating with XXXX ( the landlord ) and the police department trying to resolve this issue. There has not been any resolution yet.
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

Since I began my dispute process with Equifax I had to verify my identity which I did as to the protocol of the CRA 's. Since I have verified my identity I have been getting regular responses from Equifax. This time however they sent me a letter asking me to verify my identity again. Equifax has violated various law that 's in the FCRA and I need help in getting Equifax to follow the law.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MI)

I called to find out why I could not pay the bill with this one card I have used many times they said the CCV was wrong ( it was not ), then they said the address was wrong ( it was not ) they said they wont fix the issue. They are doing this because I pay my bill on time and dont allow the intrest to kick in
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2016-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NV)

I have been making extra payments on my Nelnet serviced loans since I started making payments. My minimum payment is like {$120.00} a month and I have been paying {$200.00} a month. I just figured out they 've just been advancing my due date and applying the extra payments equally to my XXXX loans. XXXX loan has an interest rate over 6 % while the other is like 3.5 %. When I called them, first they told me that 's the only way to do it. Then they told me they do it that way to help me pay over my smaller loan ( with a lower interest rate ) first. 

There is no way to change the application of the payments online and you have to dig through the help to find out the only way to do it is contact them. I emailed them, did n't hear anything back and it took me a while, some yelling and 4 holds to get the folks on the phone to change it moving forward. 

The effect is they 've charged me a ton more in interest on the XXXX I have overpaid that went to the 3.5 % loan instead of the 6 % + loan ... it 's XXXX.