davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I used Moneygram to transfer {$500.00} usd to my mother in XXXX on XX/XX/2022. {$500.00} was deducted from my bank, but was never received in XXXX. Moneygram gave me a receipt saying that the money was sent successfully and would be deposited in the receivers account. It has been approximately a month now and money still has not been received in XXXX. I have called Moneygram 8 ( eight ) times now, all they say is that I have to wait 90 days for a resolution. They say that the money is stuck in transfer and there is nothing they can do. I dont understand why they refuse to reimburse me. They tell me to call again in a few days for an update, but I just get the same answer again and again. My family in XXXX desperately needs this money to survive and I have no more to send. This is my familys lifeline, please help.
Consumer complaint received 2022-09-18
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: American First Finance, Inc. (TX)

I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did XXXX. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has American First Finance for {$2400.00}, the other 2 have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX  response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX  XXXX  XXXX on XX/XX/XXXX and XXXX XXXX  XXXX on XX/XX/XXXX so Please tell XXXX and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX..Today I was a victim of fraud. Wednesday night with my family seeing santa claus when I get a alert that my account has went below XXXX dollars my account balance at XXXX dollars when knowing I had XXXX in my edd debit card. Someone first did an inquiry at a BofA ATM than withdrew XXXX than XXXX leaving me at XXXX dollarsand having my card on me an as you can imagine its rent week and XXXX is right around the corner and this happens to me. So I call the number on back of card and get put on hold for 3 hours just to get hung up on than I call back to make sure card I'd cancelled and try to get transferred to claims department than they say it closed at XXXX. So for my own protection I made a police report asap hoping this will help now I cant sleep it is XXXX and I cant stop thinking how I'm going to pay my Bill 's and buy my kids XXXX gifts : ( is anyone in the same boat as me I just feel so stressed. I'm not giving up tho but i feel something needs to happen about all of this and BofA needs to have better security policy for all this. I'm depending on the edd money right now with everything that is going on in this world now this I'm just disgusted at the people that would take from the people that dont have much and have family. Now I made the claim and made a police report 2 days later which is today I call to check on my claim and they said it has been closed as well and my account at BOFA saying the edd closed it due to fraud and they closed my claim as well this mad e me stress more now I had to fax over a copy of my ID and claim number to ensure my claim gets reopened!!
Consumer complaint received 2023-10-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, I received an Alert from my XXXX account that the credit limit on my Home Depot credit card ( THD ) had been decreased from {$5000.00} to {$2500.00}. I called the number provided in the alert, XXXX, which was to CBNA, ( CITI Bank ) on XX/XX/2023, and they could give me no information as to why my credit limit was decreased. I then called The HomeDepot customer service number to complain and request a reason for this decrease. My Home Depot credit card was dormant and they could not give me a reason for the decrease. I was very upset to learn that my Credit Score went from XXXX to XXXX. I have not been late in paying back my monthly credit card bills. I asked Home Depot to increase my credit limit back to {$5000.00}, which they did, only because I wanted my Credit Score to go back to XXXX. I even made a purchase of {$4.00} on my Home Depot credit card. On XX/XX/2023, I complained to the Home Depot customer service that it was unfair that CITI Bank decreased my credit limit. When I never received a reply from CITI Bank, I called Home Depot Customer service again. On XX/XX/2023 I received an email from CITI Bank which said they dont discriminate but gave me no reason for the decrease. On XX/XX/2023 I received a Voicemail from CITI saying they will respond to me in writing. CITI had no reason to decrease my credit. It was unfair and caused my Credit Score to drop to XXXX. While XXXX is still an excellent Credit Score, they had no reason to decrease my Home Depot credit limit in the first place. CITI gave me no notice of their intentions. By decreasing my credit limit, I feel they implied that I wasnt a good credit risk. CITI should not be allowed to engage in such practices.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (NY)

Im going through a credit repair place that is making my payments for me and in XXXX and XXXX of this year the original creditor continental finance placed late payments on my report Ive called 3 times and disputed through credit bureaus nothing I keep getting the run around from them one person tells me I have no late payments and then another person tells me I do have them so I got the check numbers from my credit repair service XXXX  XXXX  XXXX for the 2 months XXXX check no:XXXX  they sent it out XX/XX/XXXX and it cleared on XX/XX/XXXX and XXXX check no:XXXX sent out on XX/XX/XXXX and cleared on XX/XX/XXXX and my payment date is the XXXX of every month for my account ending in XXXX
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX i tried to sell a suit for XXXX dllars from order sale app and then they contacted me saying they needed a total of XXXX k by multiple messeges to open a XXXX business account.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (AL)

I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and Experian, XXXX, and also XXXX will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX  XXXX XXXX for the past 5 years with no resolution. 


Also on XXXX there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and XXXX is the only bureau that hasnt removed it. It is for {$180.00}
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2020-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC (FL)

I am writing this letter to complain about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX and the collection agency shot the inaccurate balance that they reported on my credit profile. The collection agency is Mutual Management Services located at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Fl XXXX. 

I rented at XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX, 2020. On XX/XX/XXXX, I moved out of the unit. At the scheduled inspection time, which was suppose to be XXXX that morning, but couldnt be completed because the unit was not yet empty. The assistant property manager, XXXX, in the presence of myself and the maintenance person, told me that I could leave the unit key on the counter after move out because they would be closing at XXXX and closed the following day, which was Saturday they would complete the move out inspection with me. I sent an email to XXXX stated that I had left the unit and the keys were on the counter as discussed earlier. The move out inspection never happened. I reached out to the manager multiple times by phone and email regarding this matter and the final balance. Theyre excuse was they have been very busy and I would receive my final balance statement via certified mail. 30 days after the move out. I received my move out balance. You did not provide a full and specific statement of alleged damages and repair costs within 21 days of when I moved out. You only provided estimates of repair costs. Under a court case called Goodwill v. Madison Real Estate, these estimates are not good enough. You did not comply with the law. The management team had taken my {$500.00} deposit and charged me for alleged damages to the unit. Per emails with XXXX, the general cleaning fee is {$120.00} the carpet cleaning fee is {$80.00} and the painting was cost was not specified. Per XXXX, we will need to complete the inspection to determine if the unit needs any kind of paint. However, I did agree to pay for the cleaning out of the {$500.00} deposit. Once I responded to the inaccuracies, the manager then wrote back with additional charges resulting in a higher balance and stated that the case is closed and I needed not to respond. Then on XX/XX/2020, I was notified by a credit bureau XXXX  that I have a new collection for the amount of {$760.00}. The company owes me the remaining balance of my deposit which is {$270.00} after the cleaning fees were deducted. I am not responsible for the following alleged damages because there was no damage ; there was only normal wear and tear to the paint and to the carpet. The company also claims that I never provided a new mailing address which was provided on XX/XX/2020.
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (SC)

I paid for an apartment in Colorado through the XXXX XXXX XXXX, which is connected to my Regions Bank account. The scammer sent me a lease which made things seem legit. XXXX being connected to my bank was also reassuring. I sent {$1500.00} for an apartment that did not belong to the scammers. As soon as I realized what was up, I got the local police involved. The police found that the apartment I was trying to rent was owned by someone else in another part of Colorado. They had no idea someone was trying to rent out their place. And now, neither XXXX nor my bank, Regions Bank, have helped me. If XXXX hadn't been connected to my bank, I never would have used it. The banks that partner with XXXX should be held responsible for fraudulent transactions. It's obscene that there is no accountability for XXXX. After I was scammed, I read that I was not the only one. Whole websites have been developed to help people that have been defrauded by the company and by association, their banks.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd ()

On Monday, XX/XX/XXXX at XXXXXXXX XXXX ( XXXX time ), my account was hacked. The associated email was changed, and XXXX euros were transferred from my account to another account within the same institution. Around noon of the same day, I received an email about an attempted login to my account. In the afternoon, I started receiving several notifications from the application. When I tried to log in to see what was happening, I couldn't access my account anymore. I attempted to recover the email by sending my photo with the requested document, but the verification was rejected. I tried this twice, and both times were rejected. Later, I received an email confirming the email change, and a few minutes later, I received a notification about the completed transfer.
Consumer complaint received 2020-12-05
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. ()

During early covid period, XXXX ( XXXX XXXX offered a payment holiday which I took for 3 months. However when I checked my credit report last month. Report shows my payments are late and impacted my credit adversely. I want to finance purchase a car to go work but I can't due this issue with my credit. I have reported this issue to XXXX and they acknowledged the mistake and promised to fix and offered a XXXX pounds credit and remove over XXXX pound worn interest and late charges. 

None of these promises are kept and my credit file still states the late payment nor did I receive any compensation and I can't even drive to work which has impacted my day to day life. 

I have also called them few times after this issue was not resolved but they keep on bouncing me back from one department to another which acknowledging their mistake at the same time.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I asked the credit bureau to do A verification of everything on your credit report and they did they stated that everything was accurate and I did a thorough research myself and found improper inaccuracies use on the credit report. Even after they did the research. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX THE XXXX XXXX XXXX XXXX XXXX XXXXE # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # 151G accordance to the fair credit reporting act conversion account is violating my rights. They are 15 U.S.C 1681 section 6028 states that 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 an account without my written constructions.
Consumer complaint received 2020-12-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

Allied Collection Services Inc in XXXX XXXX NV, are not following any laws to obtain a debt owed. And are not applying the payments stating I owe more than I do on 2nd garnishment. They are also garnishing my checks that are exempt. They are below the legal disposable income that can be garnished by law. And they do not notify you to go to court both times I was never notified until a few weeks after garnishment was already taken place by my employer. And the interest is not correct. They are over charging me by hundreds of dollars in interest that they are not supposed to able to add by law. And the difference in the payments they say I paid {$1300.00} versus what I actually paid was {$1700.00} And they obtained a second garnishment that states the balance owed which did not have the payments deducted and they did not report them in court when applying for 2nd judgement.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX