davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (MD)

Money loin has been paid what I owed them. 
They have approved me for XXXX XXXX witch was used, and re paid Money loin also approved me for a {$500.00} credit line witch I can not with draw unless the {$500.00} is paid over time by myself. 
In a photo below you will see that money loin was re paid for the XXXX XXXX loan. But the credit line was never used and the company is insisting that I owe them money that was never received by me.
Consumer complaint received 2022-03-30
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: ALLY FINANCIAL INC. (FL)

Ally Financial continues to update inaccurate information on my credit profile. I paid their debt collector and they continue to strike my credit report with late payments whenever my score increases. On XX/XX/XXXX, my credit score reached XXXX, and the next day on XX/XX/XXXX, Ally Financial reported 3 late payments from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, causing a XXXX point decrease in my credit score. This account has been closed for 2 years and paid but they continue to report false and incorrect information that is detrimental to my credit reports whenever my score goes up.. This is a violation of the Fair Credit Reporting Act and I demand that Ally Financial remove this account from my credit profile immediately. I have all the evidence & proof that they have broken federal law. I have filed my complaint with the attorney general as well. I reported this to the credit bureaus and proved they broke the law. XXXX and XXXX have removed the account from my report but XXXX continues to report this.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Hi, I am a citibank priority account holder. I closed my account on the XXXX of XXXX in 2022 and the representative told me the balance check will be mailed out and I will receive it within XXXX business days. As of today, I still haven't received the check yet. The remaining balance is {$41000.00}. I have contacted them via online chat and phone calls many times to request an update and no information provided from them. Address was verified multiple times. I don't believe my check is issued and sent by mail.
Consumer complaint received 2022-08-03
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. (OR)

XXXX XXXX XXXX  in XXXX XXXX XXXX reported me as 30 days late. This was due to an error on their side. I had signed up for automatic payments and they failed to set it up. Spoke with an individual that stated they would take care of it because it was not my fault. Stayed on XXXX called XXXX XXXX XXXX back and they stated they wouldnt change it. Tried to dispute with credit report agency and failed.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with Nelnet. They have been in violation. In exhibit " A '' Nelnet have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and Nelnet keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. Nelnet also violated my right to privacy as pursuant to 15 USC 6802.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (TX)

On XX/XX/XXXX, I was charged for {$29000.00} from XXXX XXXX XXXX. I called discover immediately because charge was only supposed to be {$20000.00}. They issued me a provisional credit of {$20000.00} when they investigated the issue. On XX/XX/XXXX, they reversed provisional credit. They provided me documents that were " support documents '' from XXXX. The support documents had my signature on a bill of lading which just list my detailed goods. This was the only document they had that had a signature. None of the documents had my signature on an authorization to charge card or authorize any payment amount. I called discover on XX/XX/XXXX and the representative didn't understand why it rejected either and escalated it to her " XXXX ''. I called again on XX/XX/XXXX and they said no one ever put another case in so they did it again at that time. I called on XX/XX/XXXX to check status and they had no explanation why they were accepting the fraudulent charge.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TN)

I have been a customer of XXXX for a number of years. During that period Ally has consistently added cookies from outside organizations, trackers, and cross-trackers. I have refused to allow the use of these cookies and trackers to access my personal banking activities and they have consistently refused to bring this situation under control. 

Over this weekend Ally refused me access to my Bill Pay function and continues to do so putting me in the position of either allowing access to their cookies and trackers, or not being able to pay my legitimate bills from my available funds. 

Attached is both a copy of Ally 's statement of refusal of access, and a copy of search results from The XXXX 's XXXX search that indicates the number of cookies, trackers and other forms of intrusive spyware on Ally 's web site that are far in excess of the average number of such found on other websites.
Consumer complaint received 2022-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

The school that I received my loan for was XXXX XXXX, which longer exists. I graduated in XXXX, and by XXXX they had closed. They never received their credentials, which backed our degrees that we earned. My particular degree program- XXXX XXXX was completely dropped not long after I graduated. Part of the reason I agreed to attend this school was its promised of continued education as well as their credentials. 

see one of many links below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company (HI)

For approximately the past two years I have repeatedly received maik from a company named Statebridge, which I believe is a collection agency. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon receiving early communications from this company, in XXXX or XXXX, I was informed they were attempting to collect a debt stemming from a second mortgage. That debt was approximately {$50000.00}. I informed them that the debt was dismissed in Federal Bankruptcy Court proceedings finalized in XXXX of XXXX. 

Recently I received a written communication from a XXXX XXXX XXXX regarding the same debt, which was now listed at approximately {$70000.00}. That law firm XXXX XXXX and XXXX allowed me a specific time frame to notify them if I agreed with the debt or not. Their business address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded within the allowed time frame to inform them I did not agree with the debt. 

I have provided both companies with the attorneys name, address, and phone number who represented me during the filing of my bankruptcy. Recently, XX/XX/XXXX, I contacted that attorney, whose name is XXXX XXXX and informed her of what had been transpiring regarding my former second mortgage. She instructed me to inform any party attempting to collect the debt that they are to cease and desist due to the debt being dismissed in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these frivolous collections attempts and harassing comminications to stop indefinitely. I have done my part to provide them with the necessary information required but they seem to ignore it.
Consumer complaint received 2022-03-30
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. (MO)

'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-19
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: WELLS FARGO & COMPANY (AZ)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Had a {$12000.00} payment transferred from XXXX to Mohela in XXXX. Was told it would take 90 days to process by both parties. After 90 days, XXXX stated they had no record of the payment and that it would have been forwarded directly to Mohela, and Mohela does not respond to email requests re this payment, and has me on hold over 2 hours to try to speak to a representative.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NM)

Brought car back to kia dealer on XXXX and the car sat at dealer for over XXXX XXXX months waiting for inspection. ( due to Covid i was told ) called Kia Mtr Fin and kept calling to find out the final balance to pay which was {$900.00} and it was paid in full.Kia contacted me finally XX/XX/2020 XXXX  months after calling the company XXXX times and told me that being i was late its considered A Charge off /paid in full.i asked why it was consider a charge off and there reply was thats company policy.i wanted the charge off removed off my credit reports so when i sent in the forms to credit Bureau it went from charge off to /paid i would like this to say paid as agreed. sincerly XXXX XXXX XXXX
Consumer complaint received 2022-02-20
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. (PA)

In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX XXXX Account number XXXX Account name XXXX  XXXX  XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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. (MD)

XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (WI)

I have an Apple card through Goldman Sachs. I used this card to purchase a new XXXX on XX/XX/2022 for {$1100.00}. I paid the balance of the card on XX/XX/2022. I then received a refund via XXXX for the trade-in of my old phone of {$720.00} on XX/XX/2022. I generally do not use this card, but had a few expenses that left my balance in the positive at {$540.00}. 

In the past, this has been automatically credited back to my bank account. 

Goldman Sachs refused to credit back this payment, saying that since I have installment plans for two other phones on my account, their new policy is to not issue refunds. 

I asked multiple representatives, received a callback from their executive support, and all parties indicated that if I had waited to pay the balance from the XXXX charge ( I believe this would have been a late payment ) then it would have properly credited the existing negative balance and I would have the money in my pocket. 

This is unfair practice, even if they can arbitrarily change their rules. What's the point in having XXXX XXXX  interest installment plans ( my installment balance is ~ {$700.00} ) if you're going to hold hostage refund in a positive balance?
Consumer complaint received 2022-10-19
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: CL Holdings LLC (MD)

XXXX XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information. 

XXXX XXXX XXXX  XXXX XXXX XXXX Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

Greetings, I am writing to let you, CFPB know, that on XX/XX/2022 at approximately XXXX pm, I XXXX : XXXX, beneficiary entered into Ashley Furniture in XXXX, CA for a consumer credit transaction as I am in dire need of a bed mattress. The finance company is Synchrony Bank credit card services with reference number # XXXX. As I committed to my end of a contract, I provided the SSN associated with my Estate, and I was denied an extension of MY credit, which is unlawful. This is now going to result in a hard credit inquiry on my account without an account attached, which is a violation of my rights as a consumer. Please address this matter immediately with Ashley Furniture. The bank used for this credit approval is Synchrony Bank.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (MD)

XX/XX/XXXX M & T bank charged my checking with an overdraft fee of XXXX. On my account I have had overdraft protection through my savings account that I had arrange sometime back, but haven't had to use in some time because I always check my balances. Because of this service I wasn't worried last Monday because of the overdraft coverage I had. They charged my account anyway, so I contacted customer service and they didn't even check, she took a look at my account and said I don't see it and keep saying the same thing. She was also rude. M & T use to be a good institution, not any more. I did go to the branch on Saturday to try and work things out but they had one individual working and to many clients waiting I did wait about half an hour, then I decided to call instead. That was no help and I am looking for another banking institution. I don't lie and to be accused of it is unprofessional. I think I've banked their for about 10 years.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CO)

A debt for collection on behalf of a XXXX XXXX  company was posted on my credit report. This is a fraudulent account. I have never lived in that city. This collection on my report is stopping me from getting a mortgage for my home purchase.
Consumer complaint received 2021-12-22
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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MN)

I had fraudulent charges on my account that I did not get any notice about. I was notified prior about an attempt of XXXX that I did make but nothing about the fraudulent charges I did not make! I contacted the bank who said they would file a claim and I would receive credit. It's now been open 3 weeks tomorrow and I have not received any credit or any update on anything. I called last week and try said they would submit a ticket for the credit and an update, I received neither! Today I called and they said there was no update and that there was no case number ever opened, which I never received communication about. I have things I need to pay for, my mortgage check was returned, and I am out of money that I worked hard for. No one has contacted me and I have not received any update about anything. They allowed my account to be used and taken advantage of and no help from them!!! Now they want me to do another claim and for my waiting period to start! This is ridiculous.
Consumer complaint received 2022-02-19
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. (SC)

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

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

I mailed a personal check to Barklays bank as a credit card payment. They are denying receipt of my check despite it being cancelled by them and received by my bank. The check reverse even has their cancellation/cashing stamp. Ive texted copies to no avail. Check XXXX  XXXX {$4000.00} from XXXX XXXX. Cashed on XX/XX/XXXX.