davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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: MoneyLion Inc. (NY)

There was a fraudulent account from Moneylion LLC listed on my credit reports from XXXX, XXXX and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact Moneylion LLC. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that Moneylion does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I ordered a Vanilla VISA Gift card to the value of {$100.00} ( {$3.00} purchase fee ) on XX/XX/2021 which was sent to the recipient by email. 

On XX/XX/XXXX the recipient tried to use the card for a purchase and it did not work. He contacted Vanilla Customer Service and he was told that the purchaser had to contact them directly to check the status and issue on his behalf. 

On XX/XX/XXXX I called Vanilla Customer Service, who could not resolve from their end. The directions given were : If the link is not working, clear your browser history and make sure your device is not connected to any VPN connections. The link should contain all the details he needs to enter for a transaction. If he does this and it still doesnt work, he should be able to call customer service ( ask for XXXX he is the supervisor I spoke to ) and indicate that he has tried the link under the above conditions but it still doesnt work. 

On XX/XX/XXXX the recipient tried the directions provided and it still did not work. He also tried a different device and browser. So he contacted Vanilla Customer Service again and they couldn't resolve the issue. After spending an additional half an hour on the call with them they were are not able to resolve the problem. In the end, he was told to come back to the purchaser whom he was told was only party that is eligible to work on the order. 

On XX/XX/XXXX I called Vanilla Customer Service for the second time- they could not resolve the issue, so I asked them to cancel the card and refund the purchase amount. They provided me the Reimbursement/cancellation order # and said someone from that team would get back to me within 2 working days. 

On XXXX XXXX, I still had had no contact from Vanilla Customer Service, so I called them. I went through the first line who told me that the cancellation reimbursement had not been approved and that the card was active.I went to their second-line supervisor, who told me the same. I have asked them to escalate it again, as it's clear that they sold something that did not work and that their customer service was not equipped to resolve the issue. I do not want to have to go through their call center again. 

The customer support there is clearly unempowered and can not resolve issues. It's been a frustrating process for both the recipient and for me to have to call a disempowered service center on multiple occasions who are unable to resolve issues, the end result still being a gift card the recipient can not make a purchase with. 

I have since looked at review sites and I'm clearly not alone in the issues being experienced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I swapped phones over the weekend and lost access to my 2 factor authentication for coinbase. I have been locked out of my account and can not withdrawal or trade. It has been 48 hours that they have been holding me hostage and they have let me know it could last another 48 hours, costing me valuable time and money. There is no customer support or reason for this delay.
Consumer complaint received 2019-12-11
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. (FL)

I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but XXXX has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from XXXX pertaining my file! How did they verify it was mine?
Consumer complaint received 2021-11-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (PA)

I've been asking for 20 years for copies of all these promissory notes of all these loans but I never received not one supporting document with my signature. 
In 20 years a copy of the promissory note was never provided to me. All addresses they have are fraudulent addresses. 
There were never any payments on any of these loans because I have never taken these loans. For 20 years I've been asking for 20 years for copies of all these promissory notes of all these loans. 

However, I suppose it took it out they have not provided me in 20 years a copy of a promissory note they were never any payments on any of these loans because I have never took these loans they are helped for 20 years and every year I'm taking legal action AT THIS POINT ON THESE COMPANIES. 

For years of violating the fair reporting act and never validating these debts. Not verifying validating these debts are mine. They have never shown me one promissory note saying that I sign for any of these loans which they have accounts forans they are helping for 20 years report falsifying in accurate information
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I was looking to buy 2 tickets for the XXXX game on XX/XX/XXXX on XXXX. I ended up finding some, contacted the person through phone call at XXXX, paid with XXXX through Wells Fargo. I ended up getting scammed {$300.00} for the tickets and never received them or my money back. I did more research on XXXX and this number has been associated with a few different scams on this phone number. Hopefully this person gets caught for this. This is very disappointing and hope this can get resolved. I will link a photo my my texts, the ad, and an article regarding the same phone number and their scam.
Consumer complaint received 2019-12-11
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: DISCOVER BANK (IN)

About 14 years ago I was the victim of identity theft. Someone was using my accounts & information to make purchases with my credit card. I contacted discover and the credit bureaus. All of the charges that I did not make were deemed fraudulent and removed from my credit report. I have made numerous calls to discover through the years and thought this situation was taken care of but 10 plus years later I found out, it is not. Last month, I spoke with a very kind & helpful Discover representative who informed me that in 2014 Discover had reviewed my file again and decided that I was responsible for the fraudulent charges. I recently received a court notice saying my wages were going to be garnished. I have talked to the attorneys from XXXX XXXX XXXX numerous times and Discover card and explained my situation to them and specifically told them that I did not make those charges. Their response was that they could not do anything about that and said I had to contact Discover. Discover is now garnishing my wages for over {$11000.00} in fraudulent charges that I did NOT make
!
Consumer complaint received 2021-11-15
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: Westlake Services, LLC (TX)

In XX/XX/2021, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

since XX/XX/XXXX I have been paying XXXX precent intrest on a loan where the property is not worth half of what the value of the loan since XX/XX/XXXX everybody has gotten a intrest break but I have tried but no luck
Consumer complaint received 2022-11-11
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. (CA)

In accordance to the fair with the fair credit reporting act.the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602A states I have the right to privacy.. 15 usc section 604 a section 2 states states a consumer reporting agency can not furnish a account without my written permission. 15. Usc 1681c a 5 section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 usc 1681s-2 a1a.a person shall not furnish any information related to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. Account : XXXX XXXX  account ending in XXXX amount XXXX .this account was fraud I provided documents to show I was XXXX  at the time this account was opened. Account # XXXX XXXX XXXX open date XXXX close date XXXX this account was opened up fraudulent ly the fraudulent department at XXXX  XXXX contacted me we determined I wasn't the person tht opened this account they quickly and diligently closed the account before it could be used but the refuse to remove it after several attempts on my part to get them to do so.account # XXXX XXXX  XXXX account open date XX/XX/XXXX close date XXXX this is my account someone made fraudulent charges on my debit card my payment for this credit card got declined I swiftly fixed the issue with my bank made the payment the credit card balance went to XXXX immediately the cc company said I committed fraud and closed the account it shows a XXXX balance but they refuse to remove or make it non derogatory. Account # XXXX XXXX open date XX/XX/XXXX XXXX
Consumer complaint received 2022-11-11
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (WA)

Hi there, We leased a XXXX XXXXs from the XXXX XXXX in XX/XX/XXXX, which was financed by US Bank. The Lease ended XX/XX/XXXX, in which we returned the vehicle. We have never had a late payment. Returning the vehicle was a nightmare in it's own right, with the US Bank Lease department calling multiple times with threats stating that we never returned the car, eventually confirming that it was returned. We called multiple times in XX/XX/XXXX asking for confirmation that the account was closed and everything was in good standing. 

Fast forward 1 year. It's now been a year and US Bank is calling stating we owe {$600.00} for end of lease fees, and that they have been sending us notifications for the last year, which they haven't. When attempting to access our US Bank account, the account online has been closed and we have no access to the account or any of the statements in question. They are also unwilling to provide us with any of the 'statements ' they state they have been sending us monthly for the last year. Additionally, upon review of both my XXXX account and XXXX, the US Bank account is listed as closed as of XX/XX/XXXX, with a XXXX balance and all payments made in full. However, US Bank is still calling stating that we owe this money threatening to send us to collection.
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (NJ)

I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (KY)

I asked my branch manager of PNC Bank at XXXX XXXX in XXXX, KY to do a Payable upon death for my personal checking account and my personal savings account during XX/XX/2019. These accounts are solely owned by me and I am the only person authorized to have access to the accounts. I had recently had my attorney draft a trust agreement and wanted the trust to be named as the beneficiary of my accounts. The manager seemed very confused about what I was asking for. After going around and around and clearly stating I wanted my accounts to stay as they are but just go to the trust after I die, she took a copy of my trust and said she had to get it approved by legal and I would get a call back the next week. This happened, she said I was approved, and needed to come in and sign a paper. I came into the branch and dealt with another employee to because the manager was on vacation. I again asked this employee before signing my paperwork that my accounts would not change they would only be listing the trust as a beneficiary, she looked at the computer and said yes. I thought nothing of it until XX/XX/XXXX when my husband lost his wallet and we checked his account online to make sure there wasnt any activity on his card. When we signed in under his account, we saw MY checking and savings account pop up with his! I immediately called the PNC 800 number to figure out what was going on. They said my accounts had been changed to the trust and because my husband was listed in the trust he now has access to my accounts! Yes this is my husband, but I never gave the bank permission to do this. What if it was somebody else!? They said I needed to go to my branch and speak with the manager. I did this and she told me a few different stories. First she said that was what I asked for and signed, then she said it was the only way it could be done, then she told me legal said it was illegal in my state to do a POD, then finally she said it was against PNC policy to name a trust as a beneficiary. At this point I was so mad and just wanted the access shut down and I asked her to revert my accounts to the way they were before. After several hours because she had to call legal back she told me she cant, she has to close my accounts and open new ones. I cant just do that when I have many auto drafted payments coming out of those accounts. So until I can get new accounts opened and everything transferred my accounts are wide open to be used by someone I did not authorize to have access to my account and the manager could absolutely care less.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.
Consumer complaint received 2022-11-11
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the 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 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-12-11
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. (IL)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Re : Continuous and Blatant Violation of FCRA and Consumer Rights To Whom It May Concern : I am disturbed that you continue to intentional list on my Equifax credit report an alleged filed and discharged Chapter XXXX bankruptcy public record as being verified by your agency when in fact I have NEVER filed a Chapter XXXX bankruptcy nor was ever part of any alleged Chapter XXXX discharge action. 

I have written to you four ( 4 ) times disputing the alleged Chapter XXXX bankruptcy filing and discharge information on my credit report but you continue to blatantly ignore my request for verification and removal of this very damaging information on my Equifax credit report. Further, you continue to state in your follow-up correspondence to me that you verified the disputed public record on my Equifax credit report with a third party vendor, XXXX, and have updated the bankruptcy in your records to report as discharged/completed Chapter XXXX on my Equifax credit report. 

Oddly, I contacted XXXX Consumer Center to ascertain why they were reporting to you, as your third-party vendor, a filed and discharged Chapter XXXX bankruptcy about me when I never took such an action. XXXX responded to me via written letter dated XX/XX/2019 ( see attached letter ) that after searching their companys databases they were unable to locate a file in their system on me. Since XXXX verified that NO file exists in their databases on me, how then can you declare you verified the alleged Chapter XXXX bankruptcy filing and discharge information showing on my Equifax credit report as accurate and belonging to me. 

Please delete the unverified and unsubstantiated Chapter XXXX bankruptcy public record from my Equifax credit report immediately as you have been dishonest and untruthful in your investigation and reinvestigations of my credit report dispute. ( As a side note, I was also affected by your data breach that exposed my personal information and am a class action participant in the Equifax Data Breach Settlement agreed to with the Federal Trade Commission, the Consumer Financial Protection  Bureau, and 50 U.S. states and territories. ). Per FCRA regulations, you have no right to maintain false, incorrect, inaccurate and unverified information in my credit file. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an ( re ) investigation, I would appreciate your response within 14 calendar days from receipt of this letter. Thank you for your instant cooperation in this matter.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I called my loan provider great lakes on XX/XX/2022 to start the refund process for the XXXX student loan forgiveness. I called back mid XXXX to check the status of my loan being reinstated and the refund of my loan repayment and they told me to wait another XXXX to XXXX weeks. I call again in that time line and I'm told my refund process was canceled and was reinstated today. I am just wanting to get back the money I paid during the time period it's being promised to be paid back and I feel like something shady might be going on.