davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

TransUnion 1.XXXX XXXX XXXX {$0.00} 2. XXXX {$0.00} 3 XXXX XXXX XXXX XXXX {$350.00} 4. XXXX XXXX {$180.00} XXXX. XXXX TEAM XXXX {$1400.00} I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (NY)

I have been attempting to contact Money Lion for 10 days. I have been sick in the hospital and did not receive a paycheck today. They did not respond to me until the day before payment was taken, and they told me I needed to notify them 3 days in advance ... which i did but they didnt respond until 1 day. Then I asked about why my investment account is negative {$80.00}, when there should be at the very least {$100.00}. The one person advised me I took a payout, i advised him I did not take a pay out and I need them to look into it. They did not get back to me, so I did a chat with another representative who then kept copying and pasting things about the stock market without ever even looking at my account. So now I am negative {$200.00} because this company couldnt be bothered to respond to me 10 days leading up to my payment, then they refuse to give me a solid answer as to where my money in my investment account went.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

I XXXX XXXX XXXX two years ago and went to XXXX XXXX XXXX XXXX XXXX. They had me coming back weekly for XXXX. I gave them my XXXX XXXX XXXX XXXX XXXX for my co-pay for each visit. Two months ago, I received a letter from IC System ( acct # XXXX ) Stating my account was in their hands with a balance due of {$340.00}. I immediately put it on my XXXX XXXX XXXX XXXX XXXX I received the attached letter, from their attorneys office, stating the balance was paid in full on XX/XX/2022. I also sent the letter, verifying the account had been paid in full, to them. In reviewing my credit report, it still shows the balance is due. I disputed this with XXXX, however after they verified, since the information had never been updated, there was nothing they could do from their end. Today I spoke with XXXX at IC System, who said my file is confusing and still shows the balance due. I explained the story to her, and stated I had sent the Receipt that the account has been paid in full the end if XXXX ; Yet she stated they had not received that either. she tried to call her supervisor, who is not answering her phone. On the recorded conversation, she stated it should be cleared up by the end of XXXX. I am not waiting two months due to their incompetence. I am a XXXX XXXX and I do not need this additional stress.
Consumer complaint received 2022-10-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Skyline Financial Corp. (AZ)

I am a XXXX XXXX XXXX, representing my sellers in this transaction that has gone bad. My formal complain is against Elite Lending, specifically XXXX XXXX, XXXX XXXX and XXXX XXXX who were all involved in the buyers loan and cc 'd on every message that went out. Close of escrow was scheduled for XX/XX/2022. After several attempts trying to get in touch with XXXX XXXX ( XXXX, XXXX ), the buyers lender, I got a hold of the owner of Elite Lending, XXXX XXXX XXXX ( XXXX, XXXX ) on XXXX trying to get answers as to why 12 days prior to closing, I still had not heard from an XXXX. I was completely unaware at this point that there was even an issue with the buyers loan. I had been in receipt of 2 loan status updates ( one on XXXX & XXXX on XXXX ) that stated the appraisal had been paid for and ordered on XXXX ... which was completely falsified information. I had been advised the evening before from the buyers agent that the appraisal had not been ordered which is what prompted me getting in touch with the owner XXXX XXXX was completely unresponsive. I'd also like to point out that the closing date mentioned on the XXXX was incorrect as it stated the 2nd when in fact it was actually the 1st. After speaking with XXXX several times, he stated that the loan was going to be denied bc the buyers employer would not issue a statement that the buyer was expected to continue to receive additional income like bonuses and overtime pay. Why this wasn't done in the beginning, I do not know. 
At any rate, the lender issued a loan denial letter stating " income insufficient for amount of credit requested '' signed by XXXX and the transaction has been cancelled and the buyers XXXX money was released to the buyer.
Consumer complaint received 2022-10-25
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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: CLGF Holdco 1, LLC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purpose.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (GA)

I opened a XXXX credit card issued by Continental Finance in or around late XXXX early XXXX. It did not have a high credit limit so when I started to become ill I paid it off completely with no intention of using it again. I lost my vision in XX/XX/XXXX after contracting Covid-19 and am now 100 % XXXX. My spouse informed me that XXXX aka Continental Finance has a collection /charge off for an unknown amount which is impossible, unless it has been fraudulently used. I lost my wallet while in the hospital in XXXX and I can't get any information from this bank as to why they claim I owe them money after the account was paid in full. I do not have my account number. I am attaching a copy of my bank statement showing the amount paid. I am hopeful that I can get this resolved with the help of the CFPB. Thank you
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-06-30
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

Citi offered an autopay option of : Pay total purchase balance plus the minimum payment ( {$170.00} ) on XXXX XXXX. I accepted this option and set my autopay to this option. 

Citi calculated my payment based on this option. Then when the payment was made, Citi disregarded this option and claimed they did not allocate my payment as offered and agreed. However, the payment was not allocated to reduce the principle balance of the XXXX XXXX over and above the minimum payment either. 

They claim they can disregard the XXXX option I designated because, in some fine print in the terms and conditions of a deceptive predatory lending practice which offered me a temporary low interest rate on purchases. 

I dispute that Citi is not obligated to allocate my payment as they offered in XXXX, and I accepted, and they used to calculate my payment.
Consumer complaint received 2018-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Our loan was transferred from XXXX XXXX to Flagstar Bank in XX/XX/2018. I called the bank to see where we needed to send our payments. The representative I spoke with told me that we had a 60 day grace period during which we didnt have to make our payments because there would be no late fee or penalties. I asked multiple times if XXXX and XXXX payments would be due when it came XXXX and he assured me they wouldnt. He also assured me that we wouldnt be penalized for those payments later on, none of that information was correct. We are now two payments behind and have been trying to play check up ever since. This all couldve been avoided if we had been given correct information to begin with. Weve had our mortgage for three years with no issues at all but weve literally had problems nonstop since the day our loan was transferred. Im beyond fed up. We are now charged a fee monthly on our bank accounts at XXXX since our mortgage isnt with them anymore which isnt fair at all because we had no say in this transfer. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. Well we definitely feel like collateral damage to say the least.
Consumer complaint received 2022-08-09
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. (WI)

I am an accountant for a small company. The credit card that is in the president of the company 's name fell victim to a compromise of the credit card information. It is believed, as has been reported by many people in the neighborhood of his residence, there was a skimmer on a pump at the local gas station. We received an alert from CITI bank that the card had fraudulent charges on it. At that time, they cancelled the card and sent a new one. We then continued to receive fraudulent charges. CITI then told us they would cancel the new card and turn off " automatic biller '' on their end and we disputed the charges. According to them, automatic biller is their authorization to automatically update to new card information if one has common reoccurring charges to a business. At this same moment, I was also granted " admin '' status to speak directly to CITI on behalf of the primary card holder. The very next day we received more fraudulent charges. I called to speak with CITI and to dispute the new charges. We went through every single charge and they marked them in dispute. The very next day we received more charges. I called in with the primary and they again told us " automatic biller '' wasn't turned off, that they would turn it off, and they would cancel the current card and send yet another new one. This has been going on for weeks. In total, we were told they turned off " automatic biller '' 3 times. We've received XXXX new cards. We received an new fraudulent charge today and I attempted to call to report it today. Today they told me that as an " admin '' they could not talk to me regarding disputed charges and that they could only talk to the " primary ''. 
CITI XXXX department has completely bumbled this whole thing. The scammer has racked up {$1500.00} worth of charges and it continues to climb as CITI has continued to fail. We were also told, despite CITI being in total fault due to their negligence in handling the compromised account, that they were most likely not going to refund the fraudulent charges they helped create. Nothing about how CITI has handled this incident should in any way be acceptable.
Consumer complaint received 2022-10-25
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. (CO)

When I reviewed my credit report, I discoveredt the following unverified inquiries. The 3 credit bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (VA)

I had a motorcycle accident in XXXX and was treated in a hospital that was within my insurer 's network, but the ER doctor was not. Six months later, I received a bill for approximately {$9000.00}. I worked with the company ( XXXX XXXX ) to resolve the bill in late XXXX. In XXXX of XXXX, I was contacted by a collections agency ( XXXX XXXX XXXX ) claiming that the bill was in collections. This was posted to my credit report at the time, preventing me from engaging in my plan of buying a house. I worked with XXXX XXXX again to obtain proof that the debt was resolved. The collections agency was pleased with this proof and broke off contact. In XX/XX/XXXX, I was again contacted by another collections agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempting to collect the debt. I again provided them proof of the debt having been resolved and they disengaged. Earlier this week, I was once again contacted by a collections agency ( Cascade Receivables ) seeking to collect on this debt. It appears that, whenever I prove that I resolved my debt, the collections agency sells the debt to someone else. I feel that they are just continuing to pursue this until I give up and pay to get them off my back. 

Current case with Cascade Receivables has Reference # XXXX and Reference # XXXX.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX we were victim of business email compromise and was given fraudulent account information. We sent the money to a XXXX XXXX  account. We bank with chase bank. XXXX XXXX  called us and stated that they froze the funds and need chase to recall it so we can get our money back. Chase said they arent entitled to recall it. Ive tried to bypass chase and go straight to XXXX XXXX but they told us chase has to recall it. Chase wont do so and the money has been moved to a fraud account at XXXX XXXX, waiting for chase to recall it.
Consumer complaint received 2017-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

The college I attended closed and was charged with fraud, my degree was not real and no jobs provided, I was lied to and received high interest loans that that now total  XXXX  I was told the closing of the school would result in discharge of federal debt, but this was not the case. I tried to get forbearances, or deferments but the interest is culminating at a high rate that I can not afford. the only this I was offered was a income based loan payment, and even this is incorrect I was told I could pay  XXXX  a month but my fi rst two b ills were  XXXX , and I was told if I did not pay them I could have my wages/bank levied or tax returns seized. This school was a waste of time, I received nothing from it but the debt. Attended school  in 1996 and  still paying and still owe  XXXX ? this is ridiculous, Please help. The service is poor and n o one wil l help. The are in a class action suit for same reasons, how can I be included?
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo inaccurately report a credit card account as past due when this account is not past due. I have disputed this with Wells Fargo. They are still reporting this as a late payment. Balance is also reporting incorrectly.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I logged onto my Chase App on my cell phone and saw 2 transactions that I was not responsible for. I browse to see where I can report that I didn't make those purchases when I click on a tab a message stated that I can call customer service and the XXXX # was listed and it also stated that someone will call me. So later that day I received a call from a XXXX number the person stated that they were a Customer Specialist working for chase and they see the inquiry that I put in and that they also see a fraud with XXXX on my account. The man stated to me that he needs to complete a reversal on my account. He also sent my cell a text, the text stated Chase on it which really had me thinking that I was speaking to a Chase Bank Employer. He instructed me to take the funds from my Savings account and input it into my checking account then transfer the funds into another account. Which I had no idea I was throwing away my hard earning life savings of {$9500.00}. Apparently my funds was deposited to a XXXX  XXXX XXXX Account. 
After speaking to a family member who thought that it didn't sound right which I was still confident that I was being helped. I called Chase to see if I did in fact received a call from them they told me no and that is when I placed the complaint and ran to the nearest branch. No one spoke to me on the matter at the Branch they just put me on the phone with Chase Claim Department. Instantly I placed the claim on the same day as the transaction ( XX/XX/XXXX ). This evening on XX/XX/XXXX I called to find out what is the status of the claim and I was told that I will not get my funds returned to me and it was not found to be fraudulent because I completed the transaction. I'm confuse It didn't matter that this occurred because I prompted the Chase App. How is it possible that I reported a fraudulent transaction through the App and received a fraudulent call? That is what alarms me the most.