davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (SC)

I had just gotten paid the morning of XX/XX/XXXX XXXX was in process of paying bills at the time of this accurance, I get a text from money lion the institution I had my check direct deposited into saying my account was running low please deposit or make a transfer. I immediately logged on to find {$750.00} was missing from my account and was sent XXXX. I call the bank they say we will file a claim, XXXX days later a loan for {$500.00} was issued to whom ever when all said and done {$1900.00} is what XXXX account was saying that I owed. XXXX was contact only by email, they have no phone number stating that they need account info and date and etc, will investigate and respond as soon as possible, meanwhile between the XXXX institutions somehow a decision was made that no error accured. XXXX then contacts me saying I need to have the bank contact them with the information to do a charge back so I ask money lion they make me open another claim getting the same answer and told me that it's not up to them and the information was given but the no error accured decision was made and the charge back wasn't going to be made so I should ask for a refund. XXXX said they will only contact me if nessesary and fir me to get my money back the bank must contact them. A month has passed the companies seem to think I did this to myself and I still have not been refunded anything.
Consumer complaint received 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX XXXX XXXX  Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-12
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Selene Holdings LLC (TN)

I received credit monitoring alerts of changes to my credit report ( from various card issuers and XXXX XXXX ) over the course of this past week and reviewed my credit report via XXXX XXXX today ( XXXX XXXX, XXXX  ). 

There is now a mortgage listed that I did not acquire from " Selene Finance LP '' with a balance of {$380000.00} as of XXXXXXXX XXXX XXXX 

I called the number listed in the report ( XXXX ) on Saturday, XXXX XXXX XXXX around XXXX XXXX. I was transferred without my consent to a representative making a sales pitch for a medical device. After stating multiple times that I was not interested, I was transferred without my consent to a different number with a recording, indicating that to discuss the account, I must call XXXX. I called that number and heard a recording that directed me to call a different number to discuss the account. Given my experience thus far, I am now seeking help from the CFPB. 

I did not provide this company with my personal information, complete any application documents, attempt to acquire a mortgage from them, or consent to them opening an account on my behalf. I have not in any way had any contact with this company. I have a legitimate mortgage for a different amount through a different lender. 

This company appears to have obtained my information fraudulently, and is engaging in deceptive practices to avoid speaking with me. 

The contact info reported with the account is : SELENE FINANCE LP ATTN CUSTOMER SERVICE RESEARCH XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I contacted another lender for a refinance and they contacted my current lender. Current lender ( Mr. Cooper ) charged me {$20.00} for PayOff statement. They did not disclose this fees to me nor ask my approval to pull the payoff statement. 

On XX/XX/21, I contacted Mr. Cooper Customer Service and they said this charge is automatic and they can not waive. I like this fees to be waived as this is not with my approval. 

I did not refinance the loan and the loan is still with Mr. Cooper
Consumer complaint received 2022-11-12
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Payments submitted by credit cards for payments. Returned by Chase Bank marked no account found. I have used the same account over 20 years. I have called Chase, they say its my fault. They refuse to fix it. I have negative reports at the credit agency because of Chase Bank. They wont fix that either. All of my credit cards are paid thru the same account and only that account. None of my other cards have had any issues .These are the only 2 so far. XXXX XXXX XXXX XXXX ( XXXX ) Charges for returns XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00} plus XXXX {$15.00} charges in XXXX. They told me they couldnt give dates that far back. I want Chase to remove all negative reports to the credit agency since All 3 of them. its their mistakes. Also XXXX XXXX {$20.00} & XX/XX/XXXX {$20.00}. Chase refuses to address their mistakes. And fix them.
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ENCORE CAPITAL GROUP INC. (ND)

The company is XXXX and XXXX, a debt collector. They took over the account I had with XXXX -- that was sent to Midland Funding. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to XXXX. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union XXXX According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (IL)

Re : Chase Visa XXXX, BA Executive Club XXXXDear people : I have a Visa card, referenced above, issued by Chase, that awards British Airways points for spending. The statement generates on the XX/XX/XXXX of each month and normally the points are posted by British Airways by around the XX/XX/XXXX of the month. This month, the XXXX XXXX statement points already have posted and today is only XXXX XXXX. 

However, the XX/XX/XXXX points ( Visa statement attached ) never posted. 

When I call British Airways, they tell me to talk to Chase. When I talk to Chase, they tell me to talk to British Airways. It seems that somewhere in the bank, my points are stuck in some sort of limbo and I am feeling like a tennis ball going back and forth between the XXXX of them. 

Can you convince Chase to make certain these points are sent to British Airways for me?
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MS)

I had an auto loan with Ally financial for a XXXX XXXX XXXX. I traded that vehicle in on XX/XX/XXXX for a XXXX XXXX XXXX. Ally financial provided the loan for that as well. 
The loan for the XXXX was paid in full but on XX/XX/XXXX, Ally still took out the {$870.00} payment from my bank. I called them multiple times and sent a message thru their online APP asking for reimbursement. They said I would be reimbursed with overdraft fees ( my bank account went negative ) but wouldnt give me any specific dates or dollar amounts. 
I talked to someone from another department about getting this resolved on a few occasions, the last of which being Friday XXXX XXXX she told me the reimbursement wasnt approved but she would try to expedite and get back to me by Tuesday XXXX XXXX. 
I have yet to hear back and at this point it feels like a refusal to reimburse the money they took from my bank account.
Consumer complaint received 2022-11-12
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. (LA)

I'm XXXX XXXX, and I'm sending the CFPB another another complaint. I was a victim of identity theft once more, and this is my sixth CFPB complaint requesting to block or erase the data from my credit file that was obtained as a consequence of the fraud. The Credit Reporting Agencies must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which must happen no later than 4 business days following XX/XX/XXXX, the date of the dispute letter I just sent. I had already shared this report in my CFPB complaints, and I am submitting it once more. Additionally, I have my questions regarding the authenticity of the information some credit agencies gave on some accounts because it was REMOVED from other bureaus and was UNKNOWN to me. This letter is to let the credit bureaus know that I will be suing them if they do not REMOVE the specified accounts from my record. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate disobedience. This is the LAST WARNING for you. The allegedly stolen accounts should be REMOVED, thank you. The following accounts need to be deleted as soon as possible : XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XX/XX/2022, i put forward my detailed allegations of iinaccuracies and deficiences of reporting. I communicated that Per the FCRA section 611 ( 15 U.S.C. 1681 ) and METRO2 compliance standards my file is to be accurate and complete. My consumer record continues to have inaccuracues and none of my complaints have been acknowledged by the consumer reporting agencies. Further violations. 

The following account : XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX / XXXX - XXXX ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

In XXXX filed for bankruptcy and the lawyer told me that my student loans would be forbearance do to a financial hardship. Never heard anything until XXXX with a wage garnishment that my employer received. The collecting agency charged XXXX of dollars and after 6 months of paying them it was switched to automatic payment with XXXX XXXX and then converted to Navient.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Received text from Chase saying an unauthorized transaction was made and to decline or approve. 

Declined transaction, then received a call from a phone number claiming to be chase. 

Said someone was attempting to transfer {$2000.00} to an external account that was added to XXXX. 

They had us log in and then send money to our own account which was already registered with XXXX. 

Somehow they deleted our info associated with XXXX and attached another account through XXXX. When I moved money from my account it went instead to their account. 

Chase claims it is our fault but because our account was already registered it should not have been a problem as the account was already registered with my phone number.
Consumer complaint received 2021-11-17
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: Conn's, Inc. (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I mailed on XX/XX/21 by priority mail to Dept of Ed - Navient six disbursement checks from my mortgage company to pay off XXXX federal loans. USPS confirmed delivery on XX/XX/21. 4 checks included were not cashed. The mortgage company confirmed a check in the amount {$3200.00} was cashed on XX/XX/21 and a second check in the same amount {$3200.00} was cashed on XX/XX/21. I called Navient on XX/XX/21. Spoke with XXXX she said no payment was received. She told me to check my account online or call back after XX/XX/21. I called back on XX/XX/21 and spoke with XXXX XXXX and XXXX XXXX. They told me to wait for 72 hours. If no response to contact the office of customer advocate. Ive been speaking with XXXX XXXX in the office since XX/XX/21 with no resolution. The uncashed checks were canceled and reissued by my mortgage company. I needs the two cashed checks to be allocated to my account
Consumer complaint received 2021-11-17
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: GATEWAY FIRST BANK (FL)

I, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to Gateway Mortgage Group on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. Gateway usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, Gateway has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, XXXX etc. viz. consumer reporting agencies. Gateway has disregarded my revocation of right to report and continues to violate my right of privacy. Gateway has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

This complaint is regarding Fidelity Rewards Visa Signature Credit Card 's cash advance practice. 

On XX/XX/2022, I conducted a cash advance transaction for {$79.00}. 

The statement issued on XX/XX/2022 had a balance of {$1900.00}. The payment due date was XX/XX/XXXX. 

On XX/XX/XXXX, I logged onto my online account and saw a balance of {$2000.00}. I manually transferred and paid that amount in full. After the transfer, my online account showed a balance of {$0.00}. 

However, on XX/XX/XXXX, I was charged an interest fee related to the XX/XX/XXXX cash advance payment again for " carrying a cash advance balance ''. 

The bank charges interest on cash advance daily, but they don't post it onto the account daily. So even though I paid my account in full on XX/XX/XXXX, the unposted cash advance fee was still outstanding, despite my payment was {$52.00} more than the XXXX statement balance. 

Because they don't post their daily fee every day and because they don't tell you there is a separate cash advance balance even on your online account, unsuspecting consumers who dutifully pay monthly statements in full will keep incurring an interest fee every month until you call and ask them to stop. 

And because they hide their daily interest online, there is no way to pay that amount even when you try to. After I made my payment on XX/XX/XXXX, I was shown a {$0.00} balance. They make it impossible for you to know and to pay for the cash advance balance completely unless you call and tell them specifically to stop. 

Even though they said they would reverse the charge this time, this practice will keep going if there is no government intervention. It was not the first time it happened to me. 

This practice is deceptive and intentional. It needs to be stopped.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Navient sends payment notification after payment is made, but they do not tell you if there was an error in processing, " payment reversal ''. This can go unnoticed for some time before it is noted on their website, and even then, the user 's account information shows " payment received ''. You have to look into " payment history '' to see " payment reversal ''. This allows them to collect on late fees when I should be notified, just like any other payment system, immediately.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have provided to Equifax, XXXX and XXXX, proof that I have never been late on my XXXX   accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.
Consumer complaint received 2022-10-16
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: SCA Collections, Inc. (FL)

My medical records were sold to a credit company that I did not receive medical treatment from. Im not sure who these people are but Im pretty sure its against the law. I dont want them to have my information. I would like them to destroy the debt as well as anything they have with my name on it, or any of my personal information.