davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

I, XXXX XXXX, entered into a consumer credit transaction with MoneyLion Inc on XX/XX/2019. Pursuant to 15 USC 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. 

MoneyLion is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. 

I am demanding that MoneyLion return any fees that were improperly collected for this billing error. 

Furthermore, MoneyLion Inc, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Approximately XXXX or XXXX years ago, in XXXX I purchased a XX/XX/XXXX from XXXX XXXX of XXXX XXXX. This was after much hassle, as there was an issue pulling my credit up. There is ( and still is ) a freeze on my Equifax report that I never once in my life have issued. I have never had an account with Equifax, and I can't even make an account with them, as I get an error message upon trying. My mother was with me at the dealership, and we spoke to many of the call center agents who kept looping us back in circles. I recall them saying my account doesn't exist, okay but so why can't I make an account then? If my account does not exist, why is it frozen? Many hours spent, eventually the dealership found a lender who didn't pull from Equifax and that worked. Long story short, man on opioids crashed into it and did a hit and run. Fast forward to today, I'm ready to purchase another vehicle. I applied for a XX/XX/XXXXXX/XX/XXXX, and it got instantly denied which is a result ( I called XX/XX/XXXX and spoke with a rep who told me it's this freeze ) of Equifax chicanery. 

I still can not make an Equifax account. I still do not have an Equifax account. My number by them is in limbo, because of this and it is infuriating. I'm calling them again as I type this and I will have a VERY descriptive explanation from them, right from the horses mouth. Okay so the automated system CAN NOT verify my information, but I have no identity theft issues, my credit is really good and no suspicious activity. I monitor my credit like a hawk. Got on the phone with an agent ( outsourced to third world country of course ), we are looking for my file via SSN right now. Provided my address, dob, and name. The agent has asked if I have had lines of credit in the past, and I confirm yes. For the record I currently have several credit cards, I think four or so. I don't think they pulled from Equifax, so issue circumvented in a round about way. 

Agent found a file, but they are unable to access it, because some information needs to be fixed. Requiring photocopy of SSN, Drivers Liscence, Cover Letter... I'm just remembering I did this crap in the past. This is done via mail, not Fax in the 21st century. I'm still submitting this, because this is absurd. There should be an online form to do this, not sending via snail mail.

Just like last time when this issue happened, I had no way of knowing until I went to do something that there's a freeze on the account, but like I said, I never attempted to make my account until that first day two years ago or so. Zero communication from that company. Also, I could totally still reach out to the guy who sold me the car at the dealership as a third witness to this XXXX I went through two years ago.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (NJ)

The collections agency ( Transworld Systems XXXX called on multiple occasions and claimed to only have called a few times. They left multiple voice messages. They used rude and threatening language - said that if I did not pay the bill to them that they would immediately hang up and say I refused to pay the debt. Note that this was for a small amount of medical debt which was mailed to the wrong address, and which I never actually received a bill for so I was confused where this had come from. I tried to figure out what exactly I owed and who I should get in touch with to pay the debt that was owed and they refused to give that to me and repeatedly threatened that if I did not pay them directly that they would say I refused to pay the debt. In reality I was willing to pay the debt, and wanted to try to figure out if this was a scam or real debt - I noted that when I had checked my credit report there were no collections on my account. In this day and age with all the phone scams I just wanted to make sure that there was actually debt that I owed. She then again threatened to say that I was unwilling to pay the debt. She said that she would hang up on me and was not being helpful in working with me or determining where the debt had come from. She used a very aggressive tone against me, and when my son tried to help me ( because I am an XX/XX/XXXX and do not necessarily speak the best English / understand everything she was XXXX she refused to speak with him and threatened to hang up / report that I was unwilling to pay the debt.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (MD)

i found the a have a debt in my credit report i never not once received any letters about this debt, the debt is from a rental property i left without a walk out inspection.Now i have call the collection agency multiple time and ask them to please send me a statement like that i can mail my payment, the told me the send it in the mail on XXXX/XXXX/16, today is XXXX/XXXX/16 and i never got anything in the mail, the keep telling me i can use my debt card or bank account to pay i explained to them i did not want to do that, i am willing to pay but the refused to send me a statement for me to be able to mail the payment how can i make them send me the statement
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX continues to report two debts that were discharged in Chapter XXXX bankruptcy ( XXXX ). I talk to them about the problem several time. As of today the information is still being reported on my credit report.
Consumer complaint received 2021-03-31
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)

I have been a TD bank customer for several years, and held both checking and savings accounts with them. On three separate occasions since XX/XX/XXXX, my checking account was broken into, and the account was closed and flagged by the TD Bank fraud department. I was required to obtain new bank cards each time. 

On XX/XX/XXXX, I received a " spoof '' call from a TD Bank number stating that once again my account had been compromised. I was asked verification information, and believing the individual with whom I spoke to be a bank employee, I provided requested information. Somehow the perpetrator was able to obtain access to my phone through this information and transferred {$10000.00} via XXXX to an unknown individual ( named XXXX XXXX in XXXX XXXX, California XXXX. This was not authorized by me- rather someone broke into my phone. I discovered that I had been a victim of fraud/identity theft after I went to a local TD branch and found out they had never called me. 

I timely filed a complaint, but TD Bank refuses to refund my money stating that I authorized this transaction. When I said I was a victim of fraud, a customer service manager told me that the bank does not provide protection to fraud victims. She refused to provide her name or the name of anyone above her. I have never heard of a bank treating their " valued customers '' in such a callous manner.
Consumer complaint received 2021-03-31
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: CITIBANK, N.A. (GA)

I had a dispute with Citibank regarding a My Best Buy Visa credit card account ending in XXXX. Citibank filed suit against me in the State Court of XXXX XXXX and the case was settled out of court before trial. Citibank agreed to remove this account from my credit report. I submitted a dispute with XX/XX/XXXX and the supporting documents from Citibank 's attorney of where Citibank agreed to remove the account. I received the results back today and the item remains on my credit report and XX/XX/XXXX refuses to remove the account from my credit report even though the creditor agreed to remove the account from my credit report.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX vehicle was repossessed and kept unattended with windows left down during rainstorm then immobilized due to improper business practices. Ive requested for Santander to dispute this claim with their tow vender & have simply stated that they deny. If damage is done to the vehicle then they should pay compensatory damages to resolve the issue.
Consumer complaint received 2021-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (HI)

FedLoan Servicing is undercounting my payments toward Public Service Loan Forgiveness. I have been trying for nearly FOUR YEARS to have this corrected and it still has not been. 

My federal student loans, which were originally being serviced by XXXX XXXX, were removed from deferment in XX/XX/XXXX XXXX because I graduated in XX/XX/XXXX ). On XX/XX/XXXX, the loans were transferred over to XXXX from XXXX XXXX without my consent. At the time of transfer, the loans were on an Income Based Repayment Plan with a payment amount of {$0.00}. 

The loans were subsequently transferred from XXXX XXXX to FedLoan Servicing -- again without my consent. At some point after this, the {$0.00} payments that had been recorded and previously counted toward PSLF from XX/XX/XXXX through XX/XX/XXXX were converted from " eligible '' to " ineligible '' payments on XXXX of my loans. The denial reason listed in the PSLF payment tracker is " You Do Not Have A Bill Due For This Payment Period ''. However, I did have a bill due ; the monthly payment amount required was {$0.00} under the Income Based Repayment plan ( due to how low my income was XXXX. 

Per https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions : " If my scheduled monthly payment under an income-driven repayment plan is {$0.00}, does each month during which my payment is {$0.00} count toward the required 120 separate, monthly payments? 
Yes. Any month when your scheduled payment under an income-driven repayment plan is {$0.00} will count toward PSLF if you also are employed full-time by a qualifying employer during that month. '' All loans have always been paid in one single auto-debit from my bank account and PSLF loan counts for all should be the same. I provided a verification letter from XXXX on XX/XX/XXXX stating that my loans were on an Income Based Repayment plan with a {$0.00} payment at the time of transfer, and the counts still have not been corrected. Loans # XXXX, XXXX, XXXX, XXXX, and XXXX in my account need to be reviewed and the payments that are currently being counted as " ineligible '' from XX/XX/XXXX through XX/XX/XXXX need to be updated to " eligible ''. 

I have called and emailed FedLoan Servicing over 20 times in the past four years trying to get this resolved.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Score Decrease Your FICO Score has decreased by XXXX points. 

Today Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your XXXX  Credit Report. 

Today What happened? 
XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX  Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( BYM ) AIL-ONLY What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes XXXX  Credit Monitoring & Alerts. 

What is XXXX  Credit Monitoring & Alerts? 

Close I did not apply for, nor have I ever applied for a XXXX XXXX account of any kind ( credit or otherwise ), ever! 

XXXX XXXX,
Consumer complaint received 2023-02-08
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. (IL)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating fraud, which I have sent to the credit reporting companies.
Consumer complaint received 2019-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (KY)

I applied for a loan with this company and was approved, but didnt expect to keep paying {$280.00} every two weeks forever 10 to 15 weeks now for a very small loan. I tried to cancel but it was to late. I am a very hard working person who had a medical bill that had to be paid. This company is ripping hard working people off. Please help.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX ACCT NUMBER : XXXX DATE : XX/XX/2018
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2021 Paypal deducted {$1300.00} USD from my PayPal account. 

With the following message : {$1300.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

But the problem is that I don't know what exactly Acceptable Use Policy I violated and they refuse to answer specifically what I violated that gave them the right to debit that amount of money from me. Without a specific explanation I am unable to see if I truly owed them this money or if it was stolen from me. PayPal refuses to answer questions with specific answers, instead the speak in generalities like " Acceptable Use Policy Violation ''. 

I want someone from PayPal to call me at XXXX and explain to me specifically what I did to authorize them to deduct {$1300.00} Paypal has ZERO real customer service and I have the documents to prove it.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX XXXX ( NOT XXXX XXXX ) account XXXX that has been opened since XX/XX/17 and is being reported to the other 2 bureaus as such, this credit card company ( Corp. office number that handles the info being sent to bureas ( XXXX ) XXXX ) on numerous back and forth occasions state that transunion is listed as one of the bureas they report to as they report to all 3, transunion tells me that this card company must not be reporting to them because they do not gave any account info from them, transunion is telling me that are at fault and XXXX XXXX is telling me transunion is at fault, I am certain that XXXX XXXX report to the 3 bureas as per my research during and after I received the card and became an account holder, transunion states that there is nothing that they can do and XXXX XXXX says they ca n't send over information twice they just send it once a month, transunion recommended that XXXX XXXX give them a call and speak with then directly but XXXX XXXX states that that can not be done because it Is not their policy, I have done everything in my power to resolve this but everyone is blaming each other, I am positive that XXXX XXXX sent over info to ALL 3 BUREAUS but transunion keeps insisting that XXXX XXXX must not be signed up with transunion I am trying to rebuild my credit and find a place to live and I am being told me transunion report will be pulled, and my score and report is hurting because it submit showing the open revolving credit card account from XXXX XXXX which the other 2 show and it 's affecting my well being and life I tried everything, everything, I even tried a conference call but transunion states that are n't allowed to do conference calls and they released the call please help me
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (SC)

I bank with Wells Fargo. I pay the minimum every month with auto pay. This month the auto pay switched to pay the fullbalance of card without my authorization on XXXX XXXX dollars was deducted from my account making my account over draft with many fees associated. Over {$3400.00} was taken from my checking and another XXXX taken from my savings. 
I now have a negative balance of {$870.00}. i am unable to pay other cards and gym memberships and my rent. I contacted Wells Fargo credit card on Sunday XX/XX/XXXX and was told the funds would be placed back in my checking account by Wednesday XX/XX/XXXX. ON XX/XX/XXXX i check and no funds were place back in checking and savings account. I called again on XX/XX/XXXX and was given the run around and they said they did not take the funds, so i raised a dispute because no one could clearly tell me where the the funds from my checking and saving went.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IN)

I have an american express XXXX XXXX XXXX card that was promised an companion ticket that I could use for any domestic flight anywhere in the USA that XXXX XX/XX/XXXX. There was no disclosure on the advertising on what if any restrictions applied to this companion ticket. I called twice, my wife also called before we purchased this card and talked with different representatives of american express both times and they all stated that there would be no restrictions on the companion ticket as long as it was used in the continental USA. They also all stated that we would get a companion ticket the first year that we had the card, which after we paid the XXXX dollars they stated that oh no, we get that companion ticket our second year. I stayed for a second year because they had refused to refund my money, after another XXXX dollars they sent me my companion ticket which come to find out is riddled with restrictions. You can only fly certain " grades '' of flights which are around XX/XX/20 flights that they offer. Its a joke and I would like to get all my monies back that I paid for this ridiculous scam of a card.