davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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: U.S. BANCORP (MN)

One year ago XXXX XXXX offered me protection with a 60 day money back guarantee. Within the 60 days I asked for a refund but they would not return my emails and I could not reach them by phone ... there was not customer support number anywhere on their website. I reported it to Fidelity Credit Card Company and they ruled in my favor and refunded the charge. 

Well a year later XXXX charged me again even though I didn't want the service in the beginning. Fidelity ruled in my favor and had me destroy my credit card and send me a new one. In my discussion on the phone you would think they would explain my automatic bank payments would now bounce, which they did. So Fidelity charged me {$30.00} for this. This happens every time they create a new number so why wouldn't they warn me that .... well so they can gouge me {$30.00}. 

Then they reversed their decision and decided I was responsible for the XXXX charge after all and added it back to my account It is a VISA card and the acct number is XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

XX/XX/2020 Sub : Discrepancy on the refund amount after closing the below mortgage loan. 
Mortgage loan : XXXX Whom it may concern As per the Mortgage statement dated on XXXX XX/XX/2020 the outstanding principal balance for the above mortgage loan is {$410000.00} and the escrow balance is {$3000.00}. The final amount to the close the above mortgage loan on XXXX XX/XX/2020, as the bank stated, was {$420000.00}. That means the bank charged me {$2100.00} for the time period from XXXX XX/XX/2020 to XXXX XX/XX/2020. However, the interest amount for a loan with an outstanding principal balance of XXXX at the rate of 4.25 should be much lower than the charged amount. 
On XXXX XX/XX/2020 a refund check was issued for an amount of {$3200.00}, check number : XXXX, after the above loan was paid in full. However, based on the actual calculation I should have received an additional refund amount of at least {$440.00}. 
I request you to please take a look into this matter. Multiple inquiries were made to the Santander bank on XX/XX/2020 and XX/XX/2020 but no explanation was received. I request you to please take a look in to this matter with the attached documents. 
Thank you XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (NM)

On XX/XX/2020 I reached out to Lexington Law by phone to inquire about their services. I was asked for a debit card or credit card in order to 1 ) verify my identity and 2 ) begin the process of determining if their services could help me. While on the phone with the Lexington representative he texted me the terms and conditions and I needed to text back with a reply of 'YES ' or 'AGREE ' which I DID NOT DO. I read the terms while still on the phone. I then informed the rep that I was not interested in pursuing this mainly do to the fee they were asking. 
Today, I checked my credit card statement and noticed that I was charged {$120.00} on XX/XX/2020 for services that I did not authorize. I have already contacted my credit card company and cancelled my card. However I was warned that this may not be enough to prevent further, unauthorized charges by Lexington Law.

I have been unable to reach a live representative of Lexington Law in order to terminate my subscription. When I call and press '0 ' for a live rep I am placed on hold for about 5 minutes and then hung up on.
Consumer complaint received 2020-08-26
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. (FL)

XXXX. Spoke with an agent on XX/XX/2020 stated that they would remove XX/XX/2020 late payment and make account current due to mistake on the banks fault XXXX XXXX XXXX - Account was reporting late XX/XX/2020. My account went into deferment due to covid 19
Consumer complaint received 2022-12-12
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: TD BANK US HOLDING COMPANY (MD)

In accordance with the fair credit reporting act XXXX  account # XXXX has, violated my rights 15 USC 1681 section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I use moneygram to send money to my parents and family. I have realised overtime that moneygram is using predatory practices including frustrating customers to keep fees. 

I sent money to a relative on XX/XX/19. When he went to withdraw the money using his passport he was denied access due to expiration of his passport, and it can not be renewed anytime soon due to COVID. So I called money within 12 hours to let them know the issue and to change the name. I was told they could not change the name so they will cancel the transaction and did. 

I found out today they had refunded the transaction money BUT NOT THE FEES. So I called to find out why. I was told : 1. It was over a day old and 2. I canceled the transaction and the name change was my fault. 
The {$4.00} fees is not my main concern. I want to bring moneygram to book and shine light on these predatory practices as it has been going on for sometime now.When you send money and encounter a problem and call moneygram that same day you will sit by the phone for hours without help and when you manage to get them the following day then they start the quoting from their fine print how they can not help you. And their customer service agents, I believe have been trained to frustrate customers so they give up. They know full well they can not help you but take about 10-15 minutes of you precious time. Then they transfer you without telling the new service agent your issue so you have start all over again. 
Additionally, I think this is either an intentional/untentional strategy from moneygram to flag phone numbers of people who have sent money that day and to decline majority of those calls so they they can fall into over day old category and so they can get to keep those fees. 

I think this predatory strategy of moneygram should be look into as I think they are taking advantage of a lot of customers.This is about the 3rd time this is happening to me so I know what I am talking about. I gave them the benefit of doubt the first two times just to study what was going on. I have come to the conclusion that though their fees are low they make it nearly impossible to get a refund.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The creditor XXXX XXXX XXXX is reporting a collection account on my credit report. This is not my account and I have disputed this debt several times with the credit bureau and the creditor several times. This is a violation of the Fair Debt Credit Reporting Act.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I have notified the company Credit Acceptance in regards to my XXXX XXXX XXXX. However, I notified Credit Acceptance a few days after I been released from the hospital on XX/XX/XXXX, due to a XXXX   XXXX. I have spoken to a representative to extend my payments on the back of my loan for two months due to financial issues and COVID-19. I was advised per the representative that my payments will resume  on XX/XX/XXXX of {$290.00}. I have reached out on XX/XX/XXXX due to a disturbing phone call that I was past due of {$580.00}. I have spoken to a representative and supervisor on XX/XX/XXXX and stated that it was notated as payment arrangement, and was also advised no extensions are given. Per the supervisor apologized for the confusion.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
Please reinvestigate these accounts ASAP!
Consumer complaint received 2020-09-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/2020, I attempted to open a Citi Accelerate Savings account online with my spouse. My spouse 's credit report was locked and I was about to be activated on Federal Title 10 Orders. In order to save time, I called the new accounts line at Citi and asked them my options. They informed me I could apply the same day for a single-owner account and add her to the account 30-days later. Following these instructions, I successfully opened a Citi Accelerate Savings account and made an initial deposit of {$11000.00} on XXXX XXXX, 2020. 

Today, XXXX XX/XX/2020, I attempted to login to my online banking and was greeted with an error message asking for my savings account number, ATM card number, and PIN number as something had been 'mismatched. ' After over 3 hours on the phone, I was told my account had been closed, they can not tell me why, and to wait for mail correspondence in 10-business days. They also informed my that my {$11000.00} was inaccessible and would be up to 90-business days until I receive a check for the balance. Now, in the middle of a pandemic, my life savings are being held for up to a quarter and for no discernible reason. It is important to note that the  only activity was the singular initial deposit.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

I discovered in my credit report that Source Receivables Management , LLC, has posted a collection action for a XXXX account that is fraudulent. They filed a collection action against me in the amount of {$2600.00}, which they are collecting on behalf of XXXX. The account is not mine. I did not open this account, nor did I authorize anyone to do so on my behalf. 
I requested that they either provide me with written proof that this debt is mine, specifically, but not limited to, a contract bearing my signature ; or remove it from my credit record and update this information with all three credit bureaus to reflect that this account is not mine. They did not provide any documentation. Instead, they replied by requesting that I provide a statement of dispute to XXXX. XXXX is not listed on my credit report, Source Receivables Management , LLC, is taking action against me. Furthermore, how can one prove a negative. I have nothing to submit to XXXX or SRM as this is not my account. SRM has the claim against me so they should provide evidence of my debt, evidence that I opened this account. All cell phone accounts require signed contracts. As such, they should be able to provide a contract with my signature on it. They have not. And they can not because the account is not mine.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been trying to settle all of my debt, and I am trying to do it as quickly as possible since I have a pending job offer. I was able to settle rather quickly with 8 other card companies. Bank Of America sent my  debt to XXXX XXXX XXXX XXXX XXXX. I asked them to send a settlement proposal to Bank of America. The proposal was fair for a settlement and I had to borrow money from a family member in order to pay it. I told them how urgent the matter was to me and asked if it could be escalated on XXXX. The agent advised that she would get the request over to Bank of America and it may take 1 to 3 days. I called in the morning and afternoon to make sure they knew that this was very important to get this resolved quickly. When i called in today, they agent told me that the request was not submitted until today. I was upset with this answer and he became very flippant with me. He eventually hung up on me. I called back in and spoke to a supervisor, and after a very long  conversation, he finally broke and said he would try to escalate the request. He was very stubborn for a long period of time. At this point, i decided to call Bank of America and talk to the recovery department to see if they could look at my request. The agent said that she could not see anything so I asked to speak to a Supervisor. The agent told me that no supervisors were available and 1 would ball me back in 2 or 3 days. After arguing for a while, I convinced her that I would stay on hold and wait for one. It took about 20 minutes to get someone on the phone. I spoke to the escalations manager XXXX XXXX, and she basically said she would not help after I pleaded with her for a long time. She kept saying it was stuck in the back office. I finally realized she was not going to help me and I gave up. I would really like to get this resolved today. I really just wanted someone to help. I was able to settle all my other debts with my creditors earlier in the day.
Consumer complaint received 2020-09-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Simple Cash Loans, Inc., (CA)

Someone took out a title loan on my car because they had stolen the my title from my residence. I did not know about this until very recently and I believe the title loan was taken out about a year ago. I have a XXXX XXXX XXXX XXXX XXXX XXXX. I purchased the vehicle in late XXXX of XXXX. I payed cash for it. The company that did the title loan was montana capital. I never authorized or would even think about taking out a title loan on my vehicle. The loan was for somewhere between {$7000.00} and {$8000.00} I believe. I do not want them touching my vehicle because it is mine and not theirs. I have the bill of sale and everything is in my name. I did not even know the title was missing. Can you please help me.
Consumer complaint received 2023-01-12
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. (SC)

XXXX has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. XXXX requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX device and XXXX does not support XXXX  phones. Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. XXXX 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, XXXX sent periodic text messages with inconsistent information. I'd receive a text saying the account was 15 days past due followed by 90 days, followed by 30 days, almost due, nothing was ever presented to me with accurate information. XXXX not once communicated to me in a timely or accurate manner. XXXX never sent anything to me in the mail or make any phone calls to me. XXXX is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having XXXX update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am trying to update a phone number in my transition account and have been told that the only way to do this is to mail in my request and it will take 7-10 to process. I find this to be completely ridiculous
Consumer complaint received 2020-08-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (GA)

This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a 180 days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner to help me resolve this issue I did nothing wrong. 
PayPal Reference ID : XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (WI)

Seventh Avenue showing up as a hard inquiry on my XXXX  credit report. I was previously advised by XXXX that it would be removed whena prvious complaint was filed in XX/XX/2022 and it was not removed. This is my second compliant. Orginally suspected this was inquiry ( along with others ) were a result of a data breach from another credit bureau.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I initiated a money transfer of XXXX on XX/XX/2020 using Western Union. The tracking number of the transaction is XXXX. 

When the funds did not reach the receivers bank account even after three weeks I was given a reference number XXXX for my complaint. 

I was told that the receivers bank account rejected the transaction, which was absolutely incorrect as funds sent by other Money transfer app was credited to the same receivers account. 

I called customer care every day inquiring about the transaction but was kept on long wait time and never got the accurate facts about the money transfer.

After raising a complaint with CFPB, western union agreed to refund the entire amount on XX/XX/2020. Already one month had passed by then from the day when money transfer was initiated. 

The mail is attached and Western union replied with reference number # XXXX. 

Even after so much, THE MONEY HAVE STILL NOT BEEN REFUNDED to my account. 

I am being harassed by western union customer care every day when I try to reach them inquiring about the money. 

I am losing my sleep over this and have to take pills. The whole situation is affecting my health and career as I am not able to concentrate on my work. 
Looks liken western union is illegally not releasing my money and indulging in profiteering. 

I request the CFPB to kindly look into the matter and help me in getting back my money from western union. I request to provide me legal aid if deemed necessary to recover my money.