davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I paid AGAIN for a current Equifax and XXXX score. 
Equifax never timely completed investigation from XX/XX/2018. 
Called for Report and Score I just paid again for an told by Equifax system would not provide it nor explanation why dispute because of Identity Theft on XX/XX/2018 has not been timely completed. 
i want Equifax to pay my actual expense incurred for failure to timely complete investigation. I was approved for a personal loan and lender waiting Equifax completed investigation! I want money returned I paid Equifax for current XXXX which i was told last week was XXXX, however Equifax has not provided this information to potential lenders since they told me this. They either intentionally gave me inaccurate information or have intentionally been providing those inquiring false information. I want my money paid today for current score and XXXX refunded. I want Equifax find for failing to comply with law and regulations.
Consumer complaint received 2018-06-28
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. (RI)

I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy  rights, and would like these hard inquiries removed completely from my credit file :
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have 3 credit cards with XXXX XXXX XXXX XXXX with excellent payment history. 

In XX/XX/2015, my father passed away and I had to take on a huge financial burden. I contacted Capital One at that time to inform them and see if I could get any assistance with my payments. I was informed that I qualified for a hardship program and even though I made payments, They were still reported as late to the credit bureaus. I contacted Capital One and tried to dispute through the credit bureaus, but only received letters stating that the actions were valid. 

I always pay my bills on time and this issue is preventing me from having a good credit score that I deserve. 

Any assistance with this matter would greatly be appreciated
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Over 2 years ago, I set up payment arrangements on an old credit card debt. A condition of the payment arrangement was that the payments be automatically deducted from my bank account. For over 2 years, MCM has taken {$150.00} out of my account on the XXXX of each month. In XXXX, 2018, I received a notice from MCM ( XXXX XXXX XXXX XXXX that I was in default for not having made my XX/XX/2018 payment. I checked my bank account and had had more than enough funds on XX/XX/XXXX for the payment. For whatever reason, MCM did not process the payment. I contacted MCM on XX/XX/XXXX. At that time and in the letter, they told me I was in default and a judgement was being entered against me. I reiterated that it was their error, not mine. They informed me that I would need to pay the " default '' and only then would they agree to reinstate the payment plan. They also stated that it was " already filed in the court ''. I explained to them that I have my payments auto debited and whatever funds I have remaining at the end of the month is what I know I have to spend on food and gas, etc. They acknowledge that they made the error but refused to resume the payment plan beginning the next scheduled payment ( XX/XX/XXXX ) unless I paid them {$300.00}. They are refusing to re-establish a payment plan because " I '' defaulted on the loan when in fact it was their error, they acknowledge that it was their error and they don't care that because I have my payments automatically withdrawn from my account that I know that at the end of the month, whatever funds are remaining in my account are funds available to me for life 's necessities. They have refused to reinstate the payment plan and said a default judgement is being filed against me. I asked repeatedly to be transferred to an attorney which initially they refused to do because " all of the attorneys are in a meeting '' and I asked to be transferred anyway at which time they told me that there wasn't a phone for the attorneys. I became irate and they finally said they would transfer me to the attorney. The message on the attorney 's line was " to leave a message for me, please call XXXX. '' That number ; however, is the number for MCM. MCM has acknowledged that it was their mistake. I am more than willing to resume the payment plan beginning the next scheduled payment but they have refused and said a default judgement is being filed against me.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NJ)

I appreciate your efforts in investigating the matter and for providing a copy of your previous correspondence dated XX/XX/scrub>XXXX XXXX XXXX However, I would like to express that I do not believe my concerns have been fully addressed.
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (AZ)

I totaled my car and notified VW Credit on XX/XX/2018. They promised a XXXX day response and it is now past that time. They now say it might be sometime next week. Each day they delay it is costing me interest. This is with VW Credit
Consumer complaint received 2018-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I used XXXX through my mobile bank app with Bank of America to transfer money to another Bank of America customer in the amount of {$500.00} because it claims it is a secure way to send money. The transfer had the first name of the person I was sending it to and the message stated car payment. I noticed a couple of hours later, that same day that the phone number I inputted was incorrect. I immediately contacted my Bank to get this transaction reversed and the representative I spoke to said to call the following day because no one in the transfer department was there. I called the next morning onXX/XX/XXXX again and another representative from Bank of America told me that due to the holiday (XX/XX/XXXX ) I now had to wait until Tuesday XX/XX/ to make a claim. Tuesday I called Bank of America again and they stated that the transaction can not be cancelled or reversed since it was already processed but they will do an investigation that could take up to 14 days. No correspondence was sent regarding this matter so I went to my local branch in XXXX, CA to inquire about my claim. The person there said they can not look up any information regarding mobile transfers and just gave me a phone number to call. On XX/XX/ I received a letter from Bank of America 's Dispute Resolution Department stating they had completed their investigation and their records indicate that they initiated the transfer in accordance with my instructions and my account will not be credited. On XX/XX/ another letter was sent to me from Bank of America stating to contact the party directly for further assistance. I called Bank of America again and they notified me that the money was sent to a XXXX XXXX customer and they refused to authorize the money to be returned to my account. I inquired about the name of the person who the money was sent to and they said they could not give me that information but said if I want to pursue further I can file a police report. I filed a police report and contacted Bank of America again with the police report number but they refuse to resolve this situation.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

hello the closure of my account was XX/XX/2016 amount {$2800.00}. I applied for a XXXX job on a website called XXXX due to my divorce. So I started telemarketing I did an online orientation for 2 days and my first check was like {$200.00} and that check was fine it cleared. The at home telemarketing job allowed the person to work unlimited hours so being I was behind on my bill I worked almost XXXX overtime along with my XXXX regular pay and I filled out a direct deposit form but my 2 day check and my XXXX regular pay check came via XXXX and the direct deposit would probably start the XXXX check I was told. Well I deposited my XXXX check for {$2800.00} and the telemarketing company or the person behind it took not only the {$2800.00} out of my account but also almost {$1000.00} the money for my bills out of my account I was broke well past broke at this point. I went to the XXXX police department and after explaining everything to the detective and showing him what little evidence I had he gave me the news I was scammed. I informed XXXX XXXX of what the officer told me and the bank manager was suppose to call me but never did. I went to the bank about 4-5 times. I called their corporate office trying to reach the right person to help and next thing I know I see it says suspected of fraud activity. I can't explain how I felt when I read that. Is every person that is scammed or conned by someone in a different country that the BBB talks about considered a fraud? The bank maybe a victim but I am a victim also and it's almost 3 years later and I'm still having problems with this issue.
Consumer complaint received 2018-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Ditech has failed to address my prior three complaints. The response Ditech gives does not align with the action Ditech has taken. Ditech claims to have taken action and has not fulfilled what they stated they will do. Pictures are attached. 

I am seeking restitution of all late fees due to Ditechs failure to properly and legally apply payments ( instead, they have and continue being held as unapplied funds and are not applied to my loan ). Also, no notice was received regarding change to my payment amount. Ditech claims to have sent this, and it was never received. In previous message, company apologied for handling my account inefficiently.
Consumer complaint received 2018-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

My property taxes were adjusted by the county tax assessor for the year XX/XX/XXXX to XX/XX/XXXX. They have also been reviewed and lowered for the next year XX/XX/XXXX. For the XX/XX/XXXX year the original amount due in taxes was XXXX. After review and appeal to the county the new amount due for XX/XX/XXXX became XXXX total, of that amount my first tax payment was collected in my mortgage payment along with my property insurance. My mortgage company Wells Fargo has paid the first bi-annual payment based on that first amount of XXXX. So they have already paid XXXX and according to the county assessor my remaining tax balance is only XXXX for this year. Now Wells Fargo has received all the new tax info from the county and done an updated escrow analysis but the are basing my next by annual projected payment on half of the total tax amount for XX/XX/XXXX which was XXXX and not what the remaining balance really is. So they are estimating my projected next payment at XXXX instead of the actual XXXX remaining balance. That is an over estimation of XXXX. The remaining balance in my escrow account right now is XXXX. That's XXXX more than I need to finish paying my taxes this year plus they have another 6 months left this year to collect escrow towards next years taxes on top of that XXXX. And they have projected me at XXXX. plus shortfall on my escrow based on a faulty over XXXX estimation of taxes remaining this year? Is this even legal? Wells Fargo has broken the law and been in trouble so many times I can't be sure nor do I trust them. Also if they are doing this to me what if they are doing it to thousands of other customers the extra money they would be raking in would be staggering?
Consumer complaint received 2018-06-28
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: Neon Newco Corporation (NC)

Claim no : XXXX Account no : XXXX Purchase dates : XXXX {$820.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$880.00} XXXX XXXX XXXX
Consumer complaint received 2018-06-28
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. (NV)

I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt XXXX  school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, Experian and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Consumer complaint received 2018-06-28
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. (TN)

1 ). On XX/XX/2018, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/2018, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by U.S. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX XXXX, opened on XX/XX/2018, with a balance of {$2100.00}.

3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capio Partners, LLC (CA)

After submitting a dispute and information request to this company, they did not send me a reply or information regarding my debt. Instead, I believe they forwarded my information to another debt collections agency who reported the false debt to the credit bureaus.
Consumer complaint received 2018-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Dear Bureau, I placed a small money transfer transaction with MoneyGram today, XX/XX/18 around XXXX XXXX for a small amount, though it may not seem like a whole lot it is indeed a useful amount for my recipient outside the U.S., in XXXX XXXX to be exact so it be used for personal needs.

After writing an email to Moneygram customer service today, who never got back to me ( falsely advertising in the website that someone will reply back shortly ) and then placing a call to one of the customer service representatives ( XXXX   who wanted me to cancel the transaction instead and try again ) and lasty, chatting with someone online about my money transfer problem ( her assistance was non-existent, rather asked me over and over what the issue was ). In turn, no one was ever able to tell me what happened to the email confirmation ( which contains a code # that needs to be provided to the recipient so the funds can be picked up by the recipient ).

Moneygram has debited my account and charged fees for this transaction and it has not been completed on their part, though it shows on their website that the money is ready to be picked up - but I need the confirmation Email to do that. In turn, the customer ( me ) is left wondering what is the purpose of debiting my personal checking account if the company is not going to make good on their promise and this is not only is embarrassing for the company, but also embarrassing for me since I've waited close to 9 hours waiting for a MoneyGram confirmation Email that includes the access code ( which is different from a reference # provided once the transaction has been completed on their website ) and my recipient is left empty-handed.

This type of behavior, which is quite detrimental to the customer base and dysfunctional is nerving and quite upsetting that my time and money has been spent and still have no answers or a solution. This company does not has the proper tools, processes, training of its employees or even basic general good faith practices when dealing with other people 's money and do not make the customer feel secured and safe funds that my funds are being handled properly.

I sincerely hope that you look into this matter further and you will surely find other similar cases, if not worse, because this is not the first time it has happened to me. Moneygram 's lack of integrity and commitment to the consumer is a complete nonsense.

Thank you.
Consumer complaint received 2018-07-08
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. (NY)

I have been a victim of identity theft. I promptly notified all 3 bureaus, all the creditors and sent them my ftc identity theft affidavit as well as police report and supporting evidence. 
XXXX  and XXXX fixed my report by blocking the fraudulent information. Equifax REFUSES to fix my credit report by blocking fraudulent accounts opened on identity theft. They told me i can pay them for a service to fix my credit. I am not paying them to make them follow the fcra. I have sent them it in certified mail, email and fax. They wont fix it and keep saying " they investigated and the account belongs to me '' which is extremely funny because when the creditors investigated, they deemed it fraud. I will be attaching the proof the equifax FALSELY claims it does investigations, how its a gross abuse of power and severe negligence under the fcra. 
I spent 22 hours fighting with them to get nowhere. The other 2 bureaus fixed it within 1 hour.
Consumer complaint received 2016-08-16
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Veterans Relief Services LLC (NV)

We are receiving multiple calls daily from " Veterans Relief Services '' on phone number XXXX XXXX XXXX XXXX which are being placed by some kind of robocall dialing. They claim to be a non-profit organization wanting to help veterans refinance at lower rates. We informed them that we already have a low rate ( 3.25 % for a XXXX fixed rate loan ) and asked them politely not to call again. They have continued to call and are difficult to call back as their mailboxes are always full. I googled their website and the phone number the parent organization is listing online belongs to another unrelated business not affiliated in any way with Veterans Relief Services ( VRS ). They told me they are getting all kinds of calls from people who are angry because they are receiving robocalls from VRS. I suggested they file a complaint with the FCC. I am beginning to log their calls and making notes on my calls back to them and my request for them to cease calling so I can file an FCC complaint as well. I would never engage their services for a loan no matter how good the rates are because they are a nuisance and are illegally using another business ' phone number on their website. I strongly suspect that this is a phishing scam to get people 's personal and financial information. Beware!!!
Consumer complaint received 2018-06-27
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: Fidelity National Information Services, Inc. (FNIS) (IL)

My first dispute letter was sent XX/XX/2018. My second letter was sent XX/XX/2018 according to my mailing receipts. 

XXXX XXXX XXXX continues to report negative inaccurate information to my credit report. 

After the first letter, XXXX updated accounts to verified as accurate but ALL debts are paid off. XXXX   has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, XXXX sent a letter stating XXXX is attempting to collect a debt. 
XXXX XXXX XXXX has not provided valid documentation of debts owed. 
This information is inaccurate. 
XXXX XXXX XXXX is now in violation of the FCRA and continues to be in noncompliance.