davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I have an app and an account with MoneyGram. I routinely try to send money to people in another country. Recently including today and yesterday and every day for the last XXXX weeks I try to access the app and my account online through a web browser. Apparently the app malfunctions and closes upon opening and when I use the web browser it doesn't recognize my login credentials and it won't reset the password. I've contacted customer support about this issue and they seem to be aware of the issue but they do nothing about it and they claim that they have no date when they can tell me that anything will be done to remediate the problem. There are multiple complaints about the same issue on the internet and on the XXXX XXXX store when you look up the app. It seems to me that the website has been compromised by hackers and that they're not reporting it to the authorities appropriately. I get messages from my antivirus software every time I navigate to the website that tells me that the website is hosting malicious software and has otherwise been compromised but the company is willfully concealing this information and continuing to advertise its services as safe and reliable and with my experience that's completely false. Their advertising and their public promotions are completely false and misleading due to the fact that they apparently have non-functional apps and non-functional websites furthermore I believe that's because they've been hacked and that they don't want to reveal that information to the public or to the appropriate agencies. Their services extremely unreliable and the company is dishonest and it's dealings with the public. At the present time the company is incapable of providing the services in the manner advertised to the public. They're advertising services to the public that they are incapable of providing and their app is not functional and their website seems to be compromised and they don't want to take any action to remediate the situation or warn the public of the dangers of conducting business with them through their website and the fact that they are not reliable and they are not secure contrary to their representations in their advertising and marketing materials to the public. They're not easy to deal with it's extremely hard to find a route to customer support where there's any meaningful support other than a canned reply that doesn't apply to the problems that are being complained about.
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

This is debt that was directly affected by covid and losing my job in the midst of covid. I did not work for well over a year or a year a half because of the covid restrictions. They also evicted me and i have an eviction on my record directly affect by this situation and now this is on credit directly affecting my rental status and my credit rating.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. cfpb you also fail to recognize this and. i requested i complaint last week and not chose to help my situation. i see accounts that i believe they are not accurate and not verified by me sending the letters and they not responding thats a violation of the FCRA i demand a reinvestigation. i will also do a complaint with the FTC
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is violating the Family & Education Act of 1974. The Privacy Act.

When I signed up for XXXX  loans, I signed a Privacy Act form that said the XXXX will not provide my transaction history to any 3rd party companies. They have updated my account to paid or closed as in charged off but has negatively reported 51 late payments. They have also been on my credit report longer than 7 years. They have been reporting since XXXX but makes it seem as if the account is younger by starting the reporting in XXXX and XXXX. They are reporting wrong payment information as my last payment was not in XXXX. They only reported it as such to continue to maliciously report on my credit report for 7 more years starting from XXXX. 
Also, since the account is charged off they are reporting income per IRS Publication XXXX. 
Lastly, they are violating the Opt Out Act 15 USC Code 6801-6805. These violations have caused me emotional distress with the apparent predatory reporting to hurt me.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to file a complaint against Transunion Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about my bankruptcy. My credit score dropped and I was denied a place to live. My score dropped roughly XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advised Transunion that the XXXX Bankruptcy court do not provide information to the credit bureaus and even sent them a copy of the official letter. They refused to Delete the bankruptcy claiming the case was closed. Transunion is in violation of [ 15 USC 1681 ] ( N ) Willful Non-Compliance. They are also a 3rd party Unauthorized user and are ignoring the law! I am requesting help to have my Bankruptcy Deleted immediately! So I can live a normal life.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA (CA)

This is a brief history of the fiasco with Greensky, a Goldman Sachs company, we're trying to solve. 
-On XXXX XXXX XXXX, we signed a contract with XXXX XXXX from XXXX XXXX, a XXXX vendor, for the remodeling of XXXX bathrooms. The contract price was {$43000.00}, with {$1000.00} downpayment paid by XXXX XXXX, and {$42000.00} financed through Greensky : order number XXXX. 
-On XX/XX/23, XXXX charged {$21000.00} to my Greensky account, unbeknownst to me. 
XXXX XX/XX/23, I made a payment of {$450.00} to Greensky , then on XX/XX/23 XXXX applied a credit of {$260.00} for reduced work, finally on XX/XX/23 I paid the Greensky in full for {$20000.00} through an ACH from my XXXX checking account. Greensky took {$20000.00} TWICE from my account ; upon my calling them, they blamed a software glitch for this extreme blunder! 
XXXX delayed 7 times the installation, so I asked XXXX to cancel this contract on XX/XX/23. 
-On XX/XX/23, XXXX XXXX XXXX ( XXXX ) XXXX, the XXXX account XXXX, confirmed the full refund. 
As Greensky keeps delaying the refund, need to escalate this fraud to law enforcement. 
Asking for the immediate refund of {$21000.00}!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Ive submitted this complaint several times CFPB & XXXX, EQUIFAX and XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX, EQUIFAX and XXXX with FTC Fraudulent report support my position. It seems XXXX, EQUIFAX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts/inquiries removed/blocked per 605b with the attached documents again. Thank you ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX Bankruptcy Reference # : XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2024-02-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (SC)

Ive sent letters and even went as far as too involve the three credit reporting bureaus for an investigation into this account and they all have verified it as accurate but they are all reporting different information. Correct the amount and send proof that I owe this debt. You are reporting different charges with different amounts and dates and claiming its all accurate. The account is closed and yet the balance keeps going up and I havent received a statement of what these charges are. I havent received a statement from this company at all.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

XX/XX/XXXX ordered from XXXX {$2600.00} laptop to begin working on a project XX/XX/XXXX multiple packages delivered by XXXX not laptop which required signature XX/XX/XXXX contact XXXX they confirm they did not deliver and will issue refund XX/XX/XXXX contact credit card company DISCOVER to ensure I am provided refund, I am advised to dispute. I do. 
XX/XX/XXXX They rule in favor of the merchent because they have " confirmation of delivery '' XX/XX/XXXX i contact discover and ask for what else is needed - they need proof XXXX intended to refund me, which i provided, then they requested proof of where the refund was going I provide ALL OF THESE THINGS MULTIPLE TIMES IN MULTIPLE WAYS. Discover provides a provisional credit again. 
XX/XX/XXXX they rule in merchants favor again. I provide more proof XX/XX/XXXX more prooof is requested, and provided XX/XX/XXXX Manager calls me and says they can not help me because even though I did everything they asked to prove over the span of 4 months, XXXX XXXX said it is delievered. WE SPEAK ON 3 WAY WITH XXXX. XXXX CONFIRMS IT MAY HAVE BEEN DELIVERED TO THE WRONG ADDRESS BUT SINCE IT WAS DELIEVERED THEIR BACK OFFICE TEAM DENIED MY REFUND. DISCOVER SIDES WITH XXXX EVEN THOUGH THEY HEAR THIS. 
XX/XX/XXXX XXXX XXXX confirms I did not recieve it and offers to send a new one. Then, after speaking to Discover, changes their tune and tells me speak to law enforcement. 4 MONTHS LATER. 
XX/XX/XXXX discover basically says deal with the merchant. I listened to all of their instructions and gave them fair and clean proof requested and they moved the goalpost again asking for more proof or else they wont help me.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

My Wells Fargo account held my deposit of 3= {$3000.00} deposited on XX/XX/XXXX because they said the funds were not available from the check maker XXXX XXXX but the fuds were there to pay the check since XX/XX/XXXX. I believe Wells Fargo is lying to me and had the funds on XX/XX/XXXX but won't release them to me until XXXX so they can do something with my money in the 10 days they held the funds.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Frontline Asset Strategies, LLC (MD)

I, XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me verification of this alleged debt. Verification consists of a formal declaration in which you swear the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which included reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information to the consumer reporting agencies.
Consumer complaint received 2024-01-23
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: Credit Karma (NY)

Good afternoon, I am reviewing my credit report and I keep seeing soft pulls every single day from credit karma, I do not have a credit karma and I didnt authorize any soft pulls and I am confused why this is being done everyday without my authorization or knowledge.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I found all my Marcus online accounts ( online saving account and a CD account ) were locked on the XX/XX/2023, without receiving any notifications. I started to call them on XX/XX/XXXX, made over 10 phone calls, and talked over 10 customer reps and supervisors. But after ONE MONTH, no one really helped solve the issue. I attached some records of calls as attachment, which are showing the average call durations are over 30 mins. They just repeated that they were not able to send a one time code to my phone number due to technical issue so they can not verify my identity to unlock my account and Marcus DO NOT have an alternative way to resolve this. And some reps even just hung up on me! Even worse, I got a reply from a supervisor on the XX/XX/XXXX that there had been no one really reviewed and deal with my case yet!! After looking into similar complaints posted online, I see some victims has to complete an Affidavit of Identity that takes over 14 business days, which I don't think is an acceptable solution taking so much time further. It's over {$190000.00} and I need my money very urgently to buy a house. I really hope to get my accounts unlocked ASAP!!!
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX  - never late XXXX XXXX - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
Macy 's - never late Bloomingdales- not late was late in the past, and this came off my records Wayfair - never late Home Depot - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Consumer complaint received 2024-01-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (MI)

1. Theyre attaching a {$6500.00} bill to my title from XXXX. It says its a mortgage bill. After research its showing as a finance bill. They cant find it. Ive talk to numerous representatives. They dont have a Michigan office to go into. 
2. After speaking to finance they cant locate the account. They told me to fax it to archives where there is no contact person. I had to fax it. 
3. I asked for a year of payment history for XXXX and they said they had to do a work order which could take a week 4. I faxed the finance department for the old bill and I havent received a response.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I am profoundly distressed by the condition of my credit report, and my disappointment is thorough. It is not only embarrassing but also evident that either you or the company is responsible for the inaccurate information being reported. With a consistent record of timely payments, I earnestly request the removal of any references to late payments
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (MI)

I HAVE SENT LETTERS TO EACH CREDITOR IN ATTACHED FILES. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. 
THESE REPORTINGS HAVE MADE ME UNABLE TO FUNCTION IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION AND HAVE BEEN UNABLE TO ACQUIRE NEEDED ASSETS. 
I BELIEVE I AM DUE {$5000.00}. PER OFFENSE FOR A TOTAL OF {$35000.00}. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One offered me a XXXX credit card with a 0 % introductory APR rate on all purchases until XXXX ( as long as I paid the monthly minimum balance on time ). I paid the minimum monthly balance on time every month and I paid off my entire account balance the day before the XXXX  % APR expiration date, yet Capital One still charged me interest on my account. 

My XXXX XXXX monthly statement stated that a minimum payment of {$92.00} was required on XXXX. I paid {$300.00} on XXXX. 

I then paid off the entire card balance of {$8900.00} on XXXX : one day before the promotional APR % expiration date. 

My XXXX statement balance was {$960.00} and was due on XXXX. I paid the entire balance of {$960.00} on XXXX. 

A {$16.00} interest charge appeared on my XX/XX/2024 statement. When I called Capital One they told me that my XXXX payment was late. As I have indicated above... that is not true.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I had an unusual amount of activity of my XXXX account. I reached out to XXXX and was directed to speak with someone who was not actually a XXXX employee. This person gained access to my account, phone and computer and sent himself XXXX XXXX payments. Once I realized what he had done, I contacted XXXX  immediately and my bank, Chase Bank. I filed a claim with Chase that was denied due to the transactions matching my IP address. The transactions matched my IP address because the person had access to my devices. I did not authorize the transaction nor did I make the payments. I filed a report with the Federal Trade Commission.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

I contacted Goldman Sachs Bank/Apple Card on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX Warning XXXX XXXX XXXX XX/XX/XXXX and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (MO)

Experian closed another complaint with an explanation that's once again ridiculous and insults people 's intelligence. YOU STOLE MY PAYMENT HISTORY OF ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND you give a response that there's nothing you can do LIE LIE LIE LIE LIE