davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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: MoneyLion Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I was pre-approved for a loan on XX/XX/XXXX. This has been a most frustrating experience as it is now XX/XX/XXXX and we still are not closed. So far 5 months in and i have spent {$2300.00} out of pocket for nothing. I feel that I was mislead from the beginning and through the entire process. Now I've spent alot of money with the promise of a lower interest rate and payment. In the end I have endured more debt through the process, and my credit score has been adversely affected. This has been extremely emotionally overwhelming especially during the pandemic! 

See attached emails for details. 

XX/XX/XXXX ~ Pre-approved for a refinance with my existing company ; 30 year fixed@ 3.125 % payments ~ {$1000.00} with XXXX $ XXXX at closing ; closing to occur within 60 days XX/XX/XXXX ~ Agreed to move forward paid {$500.00} for appraisal fee. 
XX/XX/XXXX ~ Appraisal occurred XX/XX/XXXX ~ Notified that appraisal met value at $ XXXX XX/XX/XXXX ~ Notified that loan is approved with conditions ; tried to get clarification on conditions but loan officer said not to contact him ; only contact processor XX/XX/XXXX ~ Handrails installed ( paid {$350.00} out of pocket ) and engineer cert report ( paid {$650.00} out of pocket for this ) obtained to meet conditions XX/XX/XXXX ~ Notified by appraiser that handrails needed to be installed around perimeter of front and back porches, not just stairs ; attempted to clarify this with processor on XX/XX/XXXX ; now have to schedule more repairs XX/XX/XXXX XXXX Received closing disclosure with huge discrepancy in numbers and terms. Reached out for explanation and was not given one. Did not sign document due to discrepancy. ( see email ) XX/XX/XXXX ~ Handrails completed ( paid {$1500.00} out of pocket ) XX/XX/XXXX ~ File back to underwriting and they discover issue with name on taxes. This has been my mortgage company for nearly 4 years now and they are just now discovering that there is a clouded title. This might lead to bigger issues with my county taxes. 

From this point forward to present I have been battling them on rates and terms that are completely different that the original offer by almost $ XXXX difference. Sales team keeps putting my file in suspense. Finally went back to underwriting over a week ago. I was notified today that now they want to do another appraisal. I feel that their practices have been extremely unethical and have cost me a lot. A possible resolution to this would be for them to reimburse the money I have spent in this process.
Consumer complaint received 2019-08-13
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: Santander Consumer USA Holdings Inc. (NC)

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application so a FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Consumer complaint received 2021-02-03
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. (WA)

I have reported an identity theft complaint to XXXX XXXX XXXX  XXXX  and Transunion. I have supplied a notarized affidavit and statement that the item from XXXX XXXX is not mine. I am attaching to this complaint my affidavit, letters to XXXX XXXX XXXX  XXXX  and Transunion notifying them of my dispute under Section 609 FCRA and that the debt in question is an identity theft case. I am also attaching my reference number filed with The FederalTrade Commission regarding identity theft. I can not qualify for an apartment with this debt on my credit report and I feel as though it is illegal for XXXX XXXX  and Transunion to allow this to be reported to my credit bureau so a debt collection agency can try to extort money from me. I am XXXX years old and this is very stressful. Please help.
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (IN)

GLA COLLECTIONS # XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX XXXX XX/XX/14 I had free insurance plus I contact my ins people to pay this bill and they said they would I was at my sister house staying when I went to this medical dr so they been paid {$590.00} To a Dr XXXX XXXX
Consumer complaint received 2019-08-13
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)

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX  XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (IL)

Innovis is alleging I was late in the account listed as XXXX XXXX  Innovis has no first hand knowledge of this. I filed a complaint previously asking for evidence that is being used to validate this information. I was forwarded no response or evidence. This is my final attempt to get this resolved before initiating legal proceedings.
Consumer complaint received 2019-08-13
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. (TX)

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Consumer complaint received 2019-08-13
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. (TX)

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX  and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Consumer complaint received 2018-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On my credit report, it states I was 30-59 days late on a payment for XXXX of 2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

On XX/XX/2019, I observed an unknow debt collection account for {$370.00} from Peter Roberts & Associates. After investigating this matter further with the original creditor XXXX XXXX XXXX XXXX and Peter Roberts & Associates, I became aware that I was a victim of Identity Theft. I immediately contacted XXXX to conduct an investigation and provided all relevant documentation i.e. police report etc. to XXXX, XXXX XXXX XXXX XXXX and Peter Roberts & Associates. Unfortunately, after providing all of this information and documentation, both XXXX and Peter Roberts & Associates refused to remove this fraudulent account from my credit report. I am now forced to pursue legal action against this company as they refuse to remedy this issue.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NY)

My Citicard XXXX card had repeated fraudulent charges from XXXX. 

They reversed them and gave me a new card number. XXXX then charged the new card number. 

Finally, I closed out the entire card with the fraud department. I paid off the entire bill except for the fraud charges. However, despite the card being closed because these charges were fraudulent ... and despite XXXX phone calls, XXXX chats, XXXX emails, XXXX faxes, and XXXX snail mails, Citicard is still billing me for the fraudulent charges ( with interest ). 

I am unable to find anyone at Citicard, in any department, through any form of communication, who is able to fix this. Every time I'm told it will be taken care of, then the next month I get another bill with more interest and fees. 

We are literally talking about a total of XXXX here -- not a lot -- but I'm not paying fraudulent charges, nor should I have to be.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Back in 2020 I was XXXX XXXX XXXX. During the pandemic I saw an opportunity to make some money due to the low stock & high demand for above ground swimming pools. I began reselling these pools for a profit. There was one sale I had done to a local guy I met off XXXX XXXX. I got paid with a cashiers check, chase determined the check to be suspicious and I never received the funds as well they closed my account. It has now been 4 years since and I assumed by now I would be allowed to open a new account. After opening a new account and transferring {$3500.00} into it, I was unable to login online & I received a letter in the mail that my account has been closed ( final decision ). XXXX is a major financial institution in XXXX and I would very much like to bank with them. I don't believe it is right to restrict my profile due to a check I worked hard for at the age of XXXX during some of the toughest times American citizens have faced in the past XXXX years. Please help me restore my standing with XXXX so that I may bank with them going forward. 
Thank you in advance for your time and assistance with this matter! 
XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I recently received notification from the credit that Credit Acceptance is reporting 180 days late payment when the account was in good status. The car was paid off XXXX closed in good standing and I have the title in hand. I am not understanding why this company is updating the report as if I still have an open account the was paid and close back in XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (NJ)

During a very difficult time, Amex collections habits were relentless and ruthless. They called my employer more than 4 times daily from their Arizona hub. They shared with my mother my personal information, and shes not even on my account. They also shared information with my brother. It was humiliating and degrading. It had gotten so bad at work that it annoyed my co-workers and boss - I was sent home for a few days as they were attacking our companies main line. I have proof of all contact, even after telling them repeatedly not to call me at work. They would call me everywhere but my own personal line - Im assuming as a scare tactic. It was more like bullying. So aside from my credit being completely ruined after explaining to them the situation and still sending them funding even through COVID. They still continue to mark me late monthly on my credit report. No empathy or assistance whatsoever just harassment after several years of timely payments and multiple accounts. The only company that would not work with my DMP, but arrange payments with them anyway. The reps are extremely robotic, and sometimes difficult to understand. Im paying a large amount per month, and still being reported. I was even charged late fees by Amex after being sent to collections - with payments going their way. The debt on each card is $ XXXX. I pay over {$300.00} on one card now and almost {$200.00} a month on another regardless of my situation. Still not good enough. Its honestly discouraging - and Im doing everything on my part. Complete failure on their end.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (DE)

I have had an ongoing issue with logging into Venmo, even though the login information has been correct. Despite resetting my password many times, this continued to happen. On XX/XX/2021, I contacted Venmo customer service through their website to advise them of the problem and request help ( filename : Can't log in - Venmo.htm ). They advised me to reset my password, which I did, to no avail. 

On XX/XX/2021, I received an email from Venmo stating that my account was frozen due to " recent activity that triggered some security alerts. '' No further information was provided ( filename : Your Venmo account has been temporarily restricted.pdf ). 

The Venmo app stated that my account was frozen due to violations of their Acceptable Use Policy, which I read and understand deals with crime and fraud, so I took this to mean that Venmo was accusing either me, or someone who had accessed my account, of a crime. 

I contacted Venmo but they would not reveal what activity had taken place on my account, who may have initiated this activity, or whether my account was safe. 

After not being able to resolve this issue, I notified Venmo that I would be filing a complaint, although I mistaken thought that the correct agency to file with was the FTC XXXX filename : Your recent Venmo request.pdf ). 

At this point, Venmo began to interact with me through email more consistently XXXX XX/XX/2021 ). I repeatedly requested they disclose the activity perpetrated on my account and whether my information was safe. 

During this exchange, I became frustrated, and then angry, which led me to use profanity and sarcasm in my emails. I understand that this may have contributed to Venmo 's refusal to assist me ; however, I was very clear in what I was requesting from them. The last email I received from Venmo indicated that they would no longer respond to my requests for assistance ( filename : [ Venmo ] Recent Activity on Your Account - Venmo.htm ). 

As of today XXXX XX/XX/2021 XXXX, Venmo has still not disclosed whether my account was hacked, if I am currently at risk, what activity occurred, or any useful information to put my mind at ease.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (VA)

A personal check was written to XXXX on XXXX XXXX XXXX, there was money in the account, the bank returned the check back to XXXX, Telecheck retried and the check cleared, now they have been attempting to charge me XXXX overdraft fee ' s the manager at XXXX XXXX XXXX XXXX say i d not owe the money, and wait it out, Telecheck has tried twice to swindle me out of XXXX causing my account to overdraft twice, I do not owe this company anything.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

My card was used without my knowledge or consent with my Citi Bank account credit card account. The agent in the fraud department called me yesterday to discuss the charges on my card at XXXX XXXX XXXX. We were supposed to be on a conference call together, but the agent at Citi Bank put me on hold for about 20 min. and spoke to the agent at XXXX XXXX XXXX so I couldn't hear what was being said. He had instructed him to say that I had some furniture delivered to my home, so he wouldn't have to cover the fraudulent charges that were made at XXXX XXXX XXXX. I filed a police report because my card was used without my knowledge or consent, and I submitted it to Citi Bank in there fraud department. There have the documentation in hand. The agent is trying to get out of covering the fraudulent charges that were made on my Citi Bank credit card.
Consumer complaint received 2020-12-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

LVN Funding had added something to my credit that was not mine, I disputed the account & it was deleted. A male called me with intimidating tactics & yelling out my address & info like I know where youre at. That was XX/XX/XXXX I also told the to cease & desist. The next day XX/XX/XXXX I was alerted byXX/XX/XXXX that LVNV Funding added a derogatory account to my credit report. An account that was deleted because it wasnt mine. I want them to send $ XXXX for continuing to contact me after I said dont call me & adding a fraudulent derogatory account to my credit report. It shows I opened an account XX/XX/XXXX with LVNV Funding. Please escalate because they must be doing this to lots of people.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (DE)

Experian has been participating in illegal credit reporting and We worked on and achieved obtaining a letter from one company, XXXXXXXX XXXX XXXX  who admitted, apologized, and sent us a letter stating this illegal, Wrongful, and damaging account is to Be Removed from the Credit reporting agencies ( Although we only Noticed it on the EXPERIAN credit report ). I uploaded Thier letter, emailed Experian, for the past three days regarding this account to be removed from my credit report and they have done nothing to FURTHER demonstrate Thier Participating Harmful And Damaging credit reporting and lowering my scores this month to over 31+ points. I want my Score restored asap, and I want them to remove XXXXXXXX XXXX XXXX from my credit report, since they even asked that it be quote, " Deleted off my credit reports & accounts '' Best regards, XXXX XXXX XXXX