davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (VA)

Igota{$500.00}loanfrommoneylioninXX/XX/XXXX.IagreedtopayweeklyonFridays.MidXXXXIhadfraudissuewithmybankaccountsomyaccountwasdelinquentuntilifixedittowardstheendofXXXX.DuringthesecoupleweeksMoneylionwouldnotletmepaymyweeklypaymentwithanotherformofpayment.SoIhadtoputastoppaymentsoiwouldnotkeepgettingfeesfrommybank.OnceIhadmyaccountbackinorderItriedtoresumeXXXXpayments.For2weeksinarowmyattemptstopaygotrejected.Itwasverydifficulttogetincontactwithapersontofigureoutwhatwasgoingon.OnceIfinallydidmypaymentsresumed(XX/XX/XXXX)excepttheytoldmemyloanpaymentswouldberestartedsinceIhadmissedafewpayments,whichIthinkisunfairbecauseIdidcontactthemtotrytopay.For4weeksfromtheendofXXXXtomidXXXXImissedpayments(XX/XX/XXXX,XXXX,XX/XX/XXXX,andXX/XX/XXXX).SinceXX/XX/XXXXIhavebeenmakingmypaymentsweeklyastheyaredraftedoutofmycheckingaccountasacheckeveryThursdaynowfor{$9.00}.MycreditreportcurrentlysaysthatIam120-149dayspastdue.IhavecalledMoneyLionaboutthistheytoldmeIwouldjusthavetodisputeit.Ihavedisputeditseveraltimesofdifferentplatformsandmyaccountcontinuestonotbeupdated.ThisisreallyhurtingmycreditscoXXXX.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I on XX/XX/2024 I sent a letter to MIDLAND CREDIT MANAGEMENT INC, requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report. However it's now XX/XX/2024 and they have yet to honor my request nor have they produced the documents I asked for. I don't owe this company anything, nor have they validated this misleading information. The account was then sold to MIDLAND CREDIT MANAGEMENT INC. Please have MIDLAND CREDIT MANAGEMENT INC remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. If they refuse to do so, I will be taking legal action against them. Permanently Delete this account from my credit report! Thank you for your Time.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report
Consumer complaint received 2019-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I no longer have possession of car. Car was towed in 2008. The bank informs me that I can not close it because I owe them for the loan of the car. I wish to close my bank account.
Consumer complaint received 2024-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

I sent money to my Cash App cryptocurrency wallet and Cash App rejected both of the transactions after receiving the money. 

The money that was rejected has been obtained by Cash App and has been pending for over 3 weeks to be processed back to the wallet the funds were originally sent from.

I have reached out to support multiple times to inform them the rejected transactions they sent back to me didnt meet the minimal fee on blockchain to be processed, and have asked them to reprocess the 2 transactions. They will not reprocess the transactions.
Consumer complaint received 2020-07-14
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}
Consumer complaint received 2020-07-14
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX   XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX AR XXXX {$210.00}
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (OR)

Specialized Loan Servicing has misapplied payments, payment amounts has an incorrect loan as well.

This started because my bank mistakenly cancelled my payment and so I received a late payment on my credit score. To resolve this I have called and messaged this company numerous times. 

I have overpaid most months, until this happened and was told that if I didn't have a late payment prior, it was usual to have the credit reporting favorably updated by different reps. No one was willing or able to help me or explain the outcome. 

Because if this I did a complete audit of my entire payment history to find out that they literally misapplied my money or didn't show a payment at all which impacts my over all balance as well as impacts my credit rating. 

I was advised there is literally no escalation path or someone I can speak with that can help me resolve or receive help. I am told that there is NO, NONE, ZERO escalation service or managers and that all teams are completely separated and calls can not be escalated or transferred.

Main discrepancies : Show a payment of XXXX in XXXX. First payment wasn't due until XXXX. 
From XX/XX/XXXX- XX/XX/2018 my loan was sold 3 times SLS payment of XXXX on XXXX was not actually applied to my loan balance for XXXX and my overall balance and interest have been incorrect since then My late payment in XXXX, which is where I am requesting that I am provided assistance to correct my credit rating doesn't show my payment on XX/XX/XXXX and XX/XX/XXXX for both months My XXXX payment of XXXX was misapplied to Interest in the form of XXXX and a giant leap in Escrow My XXXX payment has the same issue.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (NJ)

It appears rewards points have disappeared without justification. The website 's transparency into points earned on specific transactions is lacking and impossible to audit and information has changed. Points were reported on a transaction, now show 0, and disappeared. I have tried to get more information from the customer service representatives but they stated points are 'pending ' and they don't have visibility either. The website has been increasingly less transparent to points accumulation and it's impossible to verify, attest, or audit the reporter balance.
Consumer complaint received 2020-07-14
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. (CA)

In early XX/XX/2020, I noticed that XXXX, a solar company with which I have a Power Purchase Agreement to buy power from panels they own installed on my roof, began reporting my PPA as a loan to Equifax, with an opening balance of {$22000.00}. This is being reported as an installment loan on my Equifax credit report. No such loan exists. I pay XXXX purely for the amount of energy its panels produce. There is no loan document that exists to support that this is a loan. I did not borrow {$22000.00} from XXXX. 
I have to date filed FIVE disputes with Equifax attempting to get this information corrected, and thus far Equifax has taken the word of XXXX that in fact a loan of {$22000.00} does exist. Although I have no way of proving something DOESN'T exist, I have submitted to both XXXX and Equifax documents requesting that XXXX produce a signed loan document demonstrating the existence of such a loan. Thus far, Equifax is only taking the word of XXXX ( who is paying them for credit reporting ) and seemingly ignoring my contention that no such installment loan exists. 
The arrangement I have w XXXX is such that I buy POWER at a specific kWh rate. There is no opening principal from which this should be deducted. And this " loan, '' under the terms as presented by XXXX, can NEVER BE PAID OFF.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SD)

For at least 10 months, maybe longer now, I have not been able to get into my online account on a regular basis with Specialized Loan Servicing, my mortgage servicer. I do receive a paper statement, but my online account has had so many issues I can't even access it any longer. First my issues were that it told me it didn't recognize my SSN upon login to find my account/loan ( or my loan # if I used that ). Then it wouldn't recognize my password at all and I'd spend hours trying to reset it just to get the same notification. My most recent/current issue is that I can't even get past security questions because SLS tells me my first born son 's middle name is incorrect - sorry, but I didn't forget. 

Due to how I'm being paid and the XXXX young children I have at home, I don't have the ability to pay before the XXXX of every month. With prior loan servicers I could set my own due date when I on-boarded into their system. SLS does not provide this option. The first check I receive each month goes to my daycare. I can't afford to pay both daycare and my mortgage in one check. I get that this issue is mine and not my servicer 's, but that's the position I'm put in and I can't help it either. 

I have had to call their company every single month for nearly a year to pay over the phone or see if my online payment ( on the off-chance I could get into my account ) went through. I think that happened a total of 3 times in the last year, if that. I have spent countless hours on the phone with SLS to try and resolve this issue and/or pay them my mortgage trying to avoid the issues I repeatedly encounter. Since I can only talk to someone during the day, I'm doing all of this during my business hours. If I billed SLS for all the time I've spent on the phone with them during my business hours just to pay my bill or try to get into my account, they would owe me over {$600.00}. This doesn't even include any of the fees I've had to pay due to having no other option than pay over the phone ( {$12.00} each occurrence ) or due to late payments b/c I couldn't get out of work obligations in time to get my payment through by EOD on the XXXX. 

The fact that their company, in nearly a year, has done absolutely NOTHING proactively to fix this situation, even though I call EVERY SINGLE MONTH. Speaks volumes about who they are as a business. The fact that they don't care, so I end up paying them fees every month, speaks volumes. I have never in my life dealt with a more corrupt, fraudulent, absolutely amoral business EVER, in my entire life. Not to mention in all this time and between all the different representatives I've talked to, only TWO have had any sort of kindness or sympathy for the situation their employer is putting me through. 

I've had enough. There has got to be some sort of regulation that prohibits a servicer from continuing to profit off of their own inability to provide online account access. I can't take another phone call to SLS.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Conn's, Inc. (TX)

This involves Conns XXXX account number XXXX XXXX Cash Option Equal Pay No Interest ( EPNI ) offer. 

I purchased furniture and electronics for my new home at the total cash option price of {$6800.00} with an expiration date of XX/XX/XXXX with the ability to pay in full within 30 days of expiration date which would be XXXX/XXXX. 
I called Conns at number above as stated in there letter attached on XX/XX/XXXX to get the accurate payoff prior to making the final payment. The representative told me that it could take up to 3 days to get the payoff and told me she would request it and try to call on XX/XX/XXXX to try to get it. I therefore called on XX/XX/XXXX and requested the accurate payoff once again. The rep told me it was {$930.00}. I informed her to make a note in the file that I needed to make sure this was accurate to ensure I do not get charged the interest on the credit by paying it off within the time period. She informed me the amount was accurate. The payment was made on XX/XX/XXXX for the amount given by the rep as the accurate payoff. I called the following week to verify and was told I did not meet the terms of the agreement because the rep I spoke to failed to include a XXXX administrative fee to the total she provided me. I told the rep that they could review the notes as I specifically wanted to ensure the amount was accurate. The rep I called regarding my complaint did see my notes requesting that she add my concern that this needs to be the accurate amount and he agreed she did document that. I dont feel that Conns treated me fairly as their rep provided me the inaccurate payoff and due to their agents error the administrative fee was not added. I would have easily paid the {$100.00} administrative fee to avoid paying well over {$2.00} thousand in interest fees. I called on 2 different occasions trying to resolve this and was promised an email or call back from management and never received one. I would like this resolved fairly as I tried to comply with there terms and depended on their agent and requirements to call them directly for the accurate payoff.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

on 2nd week of XXXX I was contacted by a rep XXXX XXXX that had been designed to help me do a Loan Modification the 1st modification was completed but told by this rep that I had been denied but that I was approved for the Obama program with lower payments and lower rate. but that I had to start another trial payment to which I disagree bcs I thought it was not fair and I never asked why I was denied. I started the 2nd LOAN MODIFICATION and assure that as soon as my first trial payment was done I will received the doc which were never received & these payment were process thru XXXX and send to various rep, stated they were DITECH attorney & also asked to buy XXXX  gift card to complete my first XX/XX/XXXX payment. On XX/XX/XXXX I reachout to DITECH and reported what had happed to XXXX XXXX XXXX XXXX I was transfer to speak to a supervision named XXXX she stated that I needed to make a police report which and did and was told that I was going to be contact by one of her staffs or I will receive papers by mail and she also stated that my doc were denied because they were late which is was not true but I have done is follow up with no success. Yesterday I received a call from a rep XXXX XXXX stating that I need to make a payment for the escrow for {$730.00} but since my acct is not active I need to purchase and XXXX gift card and and he also told me that my account w/b transfer to XXXX XXXX XXXX bcs DITECH has file for bankruptcy as of this Monday. I stated that I did have faith in what was going on an I took his contact # but told him I call will him. Then I received a call yesterday from also a rep that initially when I called to confirmed if XXXX XXXX was a rep with DITECH he transfer me to him when I called in early XXXX to make sure it was not a scam. Yesterday he told me that if I was looking for XXXX XXXX that he had information about him and I stated I was not looking for no one, e called but he stated what would be his benefit if he gave me information about him & I stated nothing but he called me I did not called him and hand up. ( payment proof w/b provided upon request ).
Consumer complaint received 2016-07-12
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (FL)

In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about it.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Refused for Fraud as Color of Law, Do Not Consent, Account Involved in Litigation as Colorable Cause and Jurisdiction Invocation for 15 USC 1692g ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), and 15 USC 1681e ( b ) : ATTN : Fraud Dept : Item Blocked Per Valid Copy of Policed Report Received Confirming Consumer is a Victim of Fraud Due to General Affidavit of Denial of Corporate Existence Judicial Notice : Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, No Contract, Not Contractually Liable, Not Responsible for Payments, Consumer to be Deleted, Third Party Collection Agencies Bankruptcy Petitions Have Filed Inaccurate Accounts Reported in Error, Cancelled and Returned to the Original Creditor, Removed from Credit Report, Have Been Confirmed as Fraudulent, Delete Due to Fraud, Can not Be Verified by Credit Grantor and/or Original Data Furnisher, Signature Rescission Caused by Inducement to Fraud, Clearfield Doctrine Colonialization Due to Violated 18 USC 157, 18 USC 156, 18 USC 155, 18 USC 154, 18 USC 153, and 18 USC 152 : You Have Not Supplied Proof Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I Presume that No Proof of the Alleged Debt, Nor Therefore Any Such Debt, in Fact Exists Due to United Nations Declaration AA222141. 

DELETE ENTIRE ACCOUNT DUE TO CONFIRMED FRAUD : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, DELETE ACCOUNT FROM BUREAU DUE TO FRAUD : Declaratory judgement counterclaim caused by character defamation, intellectual property infringement, adverse possession claim, and sedition due to colore officii as reckless disregard for reasonable articulable suspicion caused by misconducted commercial liability corporate malfeasance due to negligent public oath officer XXXX XXXX XXXX also known as XXXX, XXXX XXXX also known as XXXX XXXX XXXX impairment of the mental or emotional processes that exercise conscious control of one 's actions or of the ability to perceive or understand reality, which impairment substantially interferes with a person 's ability to meet the ordinary demands of living, regardless of etiology doing business as Chief Executive Officer doing business as Experian Information Solutions, Incorporated doing business as Experian, XXXX XXXX doing business as Experian XXXX XXXX, et XXXX, EMPLOYER IDENTIFICATION NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

They call repeatedly after being told I am trying to make my payments, I am currently paying for XXXX XXXX for my family and can not afford any additional costs, contacted my ex who I am separated from and gave them information on my account such as amount owed, when account was opened, past due amount and he can not even verify the last four of my social security number. they're also repeatedly calling my ex in laws as well
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE (PA)

XXXX XXXX and XXXX XXXX XXXX credit card partner Barclays cancelled a transaction from my account for no reason with no proper information and warning. This resulted in my flighty reservation cancellation and are asking XXXX extra to honor the same itinerary. XXXX XXXX and Barclays, both have records of the transaction. This appears to me a scam from both companies to get around clients, avoid honoring benefits that come from using an XXXX issued credit card such as bonus miles, bag fee waves and preferred boarding. All items that they falsely advertise.