davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc. (AZ)

My hr deposited my whole paycheck into money lion they were only supposed to put 15percent. I figured out where my paycheck was and I tried to transfer it into my normal account and was prompted to the next page wich had an option for turbo transfer instead of the 5-7 day wait so I needed money picked that option but I didnt read it because it transferred it into some investment account and they wont let me withdraw my money! They have hung up on me they have laughed at me and they still havent answered where and when I will get my money!
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

I have disputed with them that the account is not mine. I'm in my 2nd round of disputes currently and they still have provided me an original copy of a bill. Nothing with my signature on it, a copy of my hippa form or anything to prove account is mine. They sent a copy of a document that is not an original bill, proof that have the right to collect this debt and copies of my signature with HIPAA form. They are clearly in violation.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, Nelnet has not updated my credit report since XX/XX/year>. Despite providing evidence and submitting disputes with the credit agencies, Nelnet reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting Nelnet about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After paying off 2 mortgages that were in forbearance totaling approximately {$250000.00} in XX/XX/XXXX, the creditor resumed reporting to the credit agencies 3 late payments in XXXX, XXXX and XXXX of XXXX due to the loss of my job because of XXXX, a natural disaster. My credit score immediately dropped more than 150 points incorrectly by Transunion even though the late payments were due to XXXX and almost 2 years prior to the entire payoff of both mortgages in full. In addition, Transunion and XXXX both use the same source of data, and the same method to compute a credit score, namely the XXXX XXXX method of reporting. My credit score for both Transunion and XXXX has always been identical or within a few points of one another. Now the scores are approximately 150 points apart because Transunion is not computing my score correctly, and is reporting a score that is Poor and can do me no good in terms of obtaining credit, getting auto insurance, finding an apartment, etc. I have been in contact with Transunion in XXXX and XXXX of XXXX, spoke to XXXX supervisors and had an investigation performed and the only answer I get back is that my score is what the computer has computed for me. I need some human intervention here and common sense applied to this situation. At the request of Transunion, I've already tried contacting the creditor to change their reporting and they refuse to do so. The problem is that Transunion is computing my score incorrectly as evidenced by the fact that Transunion is currently reporting my score at XXXX while XXXX is reporting my score at XXXX, so it makes no sense. Something is wrong with the computation that Transunion is using because 3 late payments more than 2 years ago due to XXXX should not drop my credit score XXXX points.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts.

By law accounts given XXXX can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX  Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated 1XX/XX/XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Solomon and Solomon, P.C. (NJ)

Complete college from XXXX in XXXX NJ in 2011 could not keep up with my payments due to the amount sent paper work and tried to make payments due to not being able to make payments and the company not able to correctly take care of my paper work such as the information i sent them in order for me to defer my payments i was sent to collections and my credit history has been a mess since which includes a lien in my accounts which has not allowed me to find the proper jobs that will allow me to make payments.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (ME)

I opened a citibank credit card with a balance transfer offer of 0 % until XX/XX/XXXX. I have been paying on that offer since it opened ( and upon opening I paid 5 % of the full transfer amount as a fee to get this promotional rate ). I transferred {$4200.00} and paid {$120.00} for the fee. I have been consistently paying {$220.00} per month to pay this off before the 0 % interest ends. 

In XX/XX/XXXXXXXX  Citi offered a flex loan on my card - money I could have sent to my checking account at a 7.99 % interest and a 3 year payment period of {$85.00} per month. I took advantage of this offer and took out the loan for {$2700.00} I called to see how I could make the {$85.00} payment and still pay the {$220.00} I have been paying each month on the XXXX interest balance transfer. The supervisor advised I can not do this. All extra money will go to the flex loan as that is the higher balance. I asked if I payed off the flex loan would my remaining balance still be at XXXX  %. She said yes, and I reiterated this again. 

I paid the flex loan in full 5 days after it posted to my account. Citi is now saying since it was not yet on a billing statement that it wasn't an actual charge yet ( but it was showing in my transaction as being a charge on XX/XX/XXXXXXXX  ( it was paid in full on XX/XX/XXXX ). They are now taking my original remaining balance of {$2100.00} and charging me the 7.99 % interest instead of the 0 %. 

I asked to have my transfer fee of {$120.00} refunded as I only paid a fee to have the 0 %. All they did was offer {$50.00} credit and that was after the agent said she had no more sound and never called me back, so I could not even tell them I did not agree to that as satisfactory. 

They should be giving me the full term at 0 % as I clearly paid off the flex loan per their own policy or they should fully refund the transfer fee as I did not get the rate for the term associated with that fee.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

I attempted to speak to someone at hunter warfield regarding an amount they sent m. Upon speaking with XXXX on XX/XX/09 at XXXX he went into stating that my account is in final stages to be sent to legal. I told him the purpose of my call was to go over that interest being charged he went int further detail to state that his company has rights per his client and Florida state statue to charge me interest I asked him what state statue he is referring to and he could not tell me. I asked him how is he is using a statue as threat and doesnt know what statue. We went around and around till I asked for a supervisor XXXX XXXX who came on the line with the same derogatory tone and told me Im not making no sense very derogatory towards me. His tone very rude and nasty would not allow me to speak. I told them to send me the original contract and do not call me or send anything to me again he went on to say I make no sense again. Then states he will send the documents and ended the call.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XX/XX/XXXX I paid {$500.00} for a deposit for XXXX XXXX XXXX and the rental vehicle I had was XXXX  so I returned the vehicle on XX/XX/XXXX at which time XXXX stated it would take up to XXXX to XXXX weeks for the refund to be processed. I was then told by XXXX I could process a chargeback with my bank in which I did on XX/XX/XXXX. On XX/XX/XXXX XXXX processed the return of the funds to Chime, and it has been over the XXXX that Chime was given under Regulation E with no provional credit given if they needed more time to investigate. It is now XX/XX/XXXX and no resolution has been provided, and yet the funds have been returned to Chime. They make zero effort to resolve the issue and instead used canned responses which say the same thing. They claim they folllow procedures under Regulation E ; however as mentioned above Regulation E states that if an investigation takes more than 10-days a provional credit must be issued.
Consumer complaint received 2017-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (PA)

No matter how many payments I make in addition to the extra I give them each month my balance does n't move. They say that the extra will be applied to the principle but it is n't. It 's a rip off! I had a hardship and needed to reduce my payments but can not do so because it 's based solely on my income. They knew I could n't afford to pay this loan when they approved me for it. Just like the mortgage companies with the preditory lending. These loans are designed to keep us in this long term repayment system!! I 've tried to pay but can not and they refuse to work with me in getting some type of payment each month.
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (FL)

XXXX XXXX set up payments with me to pay off the account. The last communication was on XX/XX/2023 in which they accepted a payment. I asked if I had to call in every 2 weeks to make the payment and was advised " yes because of the way the account was set up ''. At no time did they notify me that the account was being sent to collections. Additionally, I never received any notification in writing. 

After accepting the payment on XX/XX/2023 my credit was flagged on XX/XX/2023. The account is paid in full. I requested a payoff letter which they advised I would receive and I have not received it. I also requested for a good will deletion from my credit report under the basis that XXXX NEVER indicated this account was being sent to collections Instead, they set up payments, accepted them then did a bait and switch thus ruining my credit. 

As a long time customer is very disturbing that XXXX would deceive a consumer in this manner. The representative could have very well been honest about the account on XX/XX/2023, instead they withheld information that could have been corrected that day. 

I am requesting that this negative impact be removed from ALL 3 credit reporting agencies immediately. 

I am unable to send any documentation with this complaint because XXXX never sent anything in writing. I only have my bank statement where they were paid.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (TX)

Im noticing that youre furnishing an alleged debt that I have noknowledge of. I hereby am disputing this debt and requesting proof of this alleged debt according to 15 usc 1692g this account is severely effecting my credit score negatively and impacting me from receiving new credit products.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My credit score started dropping at rapid speed on my XXXX XXXX account. When I started to try to find out why, I started to look around and explore more on my XXXX XXXX  app off my phone. Eventually I came acrossed a account for Kohl 's department store that said I had gotten a Kohl 's XXXX account, with a {$300.00} limit. After finding this and stressing and questioning the whole situation for a day. I decided to get back on XXXX XXXX and see what els I could possibly find out and/or what my options were to be able to correct the situation. That's when too my surprise, I seen that the {$300.00} credit limit had been spent! Now I am getting a bill in the mail from a collection agency for {$610.00} and my credit score went from a 600-700 's all the way down too the 400 's. And iv only been to Kohl 's one time in my whole life and that was over 13 years ago and I had ended up getting a XXXX XXXX and put on XXXX  for 2 years and I haven't ever shopped there again or stepped foot in their parking lot, I have not so much as ever even went to their website since then! I need help i don't know what to do or how to go about dealing with this legally or correctly.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

Mariner Finance fraudulently reported a high balance on XX/XX/24 after receiving a large payment on XX/XX/24. They reported to XXXX and XXXX that I has a balance of {$4200.00} as of XX/XX/24, but did not reflect they had a check clear from me for {$3800.00} on XX/XX/24. They also fraudulently reported this to the XXXX XXXX County District Court to manipulate the judge make it seem as though I am uncooperative and irresponsible. I have complained about this type of fraudulent reporting in the past to the credit reporting agencies and the courts for years now to no avail. See attached documents - bank statement showing check cleared, copy of cancelled check, courts online record of case XX/XX/24.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

Money was deposited into my Paypay account. The Home page has box at the top with the balance and " Transfer '' option. When you select this option to transfer your funds to another bank you are routed to a page that offers you option to deposit funds but no option to access/transfer your funds. Very deceptive.
Consumer complaint received 2020-06-23
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint because transunion has ignored my request to provided me with the documents that their company has fine that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not veofly these accounts under section 611 ( 5 ) ( A ) of the FCRA thery are required to promptly delete all information which can not be verified * that ihave disputed please resolve ths manner as soon as possible thank you
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

First let me begin by saying that i am XXXX XXXX XXXX attending XXXX XXXX University. I recently applied to an internship from an email I received in my student email. After a week or so the internship contacted me by the name of XXXX XXXX. He said I was going to be his personal assistant and he would be sending me funds to disperse to his promo merchants. I attempted to deposit the 2 checks he sent by email and Wells Fargo instantly declined and froze my account. Resulting in them closing my account. I called and explained the situation and how I had no idea of this scam and clearly am the victim. To my Suprise the very rude support told me " It's a privilege to bank here and you have lost that privilege. He continued to close my account after I begged him to reconsider and the fact i have a kid going without funds could be detrimental to my family and myself. Not only did they close my account, but they made it to where I'm unable to receive My funds in My account until XX/XX/XXXX! All of this is totally unprofessional and inconsiderate of the victims of fraud.
Consumer complaint received 2024-02-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I XXXX XXXX is a victim of identity theft I tried to reason with EQUIFAX unfortunately they are worthless and refuse to remove fraudulent accounts on my personal credit report National credit systems XXXX XXXX XXXX XXXX  etc those accounts are not mine I have repeatedly sent in proof of identity theft at this point I have now filed a civil suit against EQUIFAX for failing to protect my consumer rights under section 605b and failing to remove stated fraudulent accounts that I identified above
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The two accounts below are reporting on my XXXX  and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX Account NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date Opened1XX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: ALLY FINANCIAL INC. (NE)

I applied for a XXXX  year mortgage with XXXX by Ally on XX/XX/XXXX. They replied within XXXX hours that I was pre-approved for what they call their XXXX XXXX ' Mortgage. Then they said I needed to pay for an appraisal and they wanted XXXX XXXX for it. I told them XXXX XXXX for a residential appraisal is very high. They said it will probably only cost {$500.00} but they wanted to be on the safe side.The appraisal came in higher than expected. My XXXX said the loan processor ( XXXX ) would start preparing my loan closing docs. She said that rates had decreased so I can get a rate of 6.5 % .A few days went by and then my XXXX ( XXXX XXXX said my loan request was denied because of my new job. She said her manager recommended i submit a new application with my XXXX XXXX information and that we only include our Social Security income. I submitted the new app on XX/XX/XXXX. They took a couple of days to reply that the new app was pre-approved. Today, XXXX called me to say the rates have gone up and now to get a rate with no points the rate will be 7 %. Now XXXX by Ally is asking for a bunch of new information.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. FAIR CREDIT ACT 15 USC 1682 SECTION 603 AND 15 USC 6802 ( b ) ( c ) AND 15 USC 1681C ( a ) ( 5 ) This account is fraudulent. This account all due to Identity Theft. 
I have never had an account with XXXX XXXX 1. Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX : Amount {$2900.00}