davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (CA)

The company PayPay offered me credit ( 6 months interest free ) on purchases over {$100.00}. I took the offer and did not offer any income or employment information. I always paid off the balance that it said to pay to avoid interest charges. On XX/XX/2019, I applied for a 0 % interest free for 12 months account from chase for the reason to pay off 2 credit accounts that were about to start charging interest ; PayPal Credit and XXXX XXXX. I went to look for the account number on the PalPal account and could not locate it. I had to call to get it. When I told XXXX XXXX the account number they said it was 1 too many characters and they couldnt process the payment to pay off the account. I called PayPal and they said I couldnt pay off my account with them with a another credit card! I was appalled!! I asked them to send me a copy of the contract I signed and the have refused to send it to me. They directed me to the area where it was in their policy and it does not state I cant pay off my bill with them with a balance transfer!! Ive attached a copy of where they directed me ASSIGNMENTS. Reading this does not say to me that I can not pay off the card with another! Plus I did not sign a contract to get this account!! This company is scamming people and breaking the law!! How can they get away with charging 20 % interest and not provide a contract that I did not sign??? I am not paying the interest charges! My credit has been effected. Their record keeping is so confusing you dont know what they are doing and I was a expert in billing Medicare fore 25 years. They have to be stopped!! They also asked me to update my income status, I refused. 3 months later they doubled my credit limit without me asking for it. They apply payments and credits incorrectly. I included the emails where there replied to my request for a copy of the credit card application. I HAVE NEVER RECEIVED A COPY OF THE CONTRACT!! I never signed a contract.
Consumer complaint received 2018-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I have made two bill payments for {$3900.00} to XXXX XXXX, and they were not completed. MoneyGram issued refunds for the transactions, but when trying to process them at the register, it gives an error and will no process. MoneyGram is holding my money and will not give it back.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX XXXX : Personal Loan ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a XXXX Form. This dispute centers around an account for which I have received a XXXX Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX XXXX Account Holder Name : XXXX XXXX Account Number : Personal Loan ACCOUNT NUMBER XXXX Date of XXXX Form : XX/XX/2023 The issuance of the XXXX Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the zeroed-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the XXXX XXXX for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the XXXX XXXX. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account.

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am now requesting proof of the previous investigation for XXXX XXXX account # XXXX. XXXX asking that you send your method of investigation, along with all the records of who you spoke with. Their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update my account to PAID/NEVER LATE and send me a copy of my updated credit report.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around 900 of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

Commencing on or around XX/XX/2022, I fell victim to multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (WA)

I opened BMO relationship checking account on XX/XX/2023 and got confirmation letter the same day. But as of XX/XX/2023, I still can not access online bank : BMO online bank website says it can not find my records. Even though I deposited {$25.00} as inital depost and {$2500.00} direct deposit from my employer, and I have received phiscal checks and debit card. 

I have called BMO customer service more than 3 times, none of them are able to resolve my issues, and saying they can not find my records neither. 

Now, since BMO customer service can not find my records, they are unable to help me or close my accounts.
Consumer complaint received 2023-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc. (NY)

There is 2 diffrent school and issues are similar, in 2021 XXXX i started cource with " XXXX XXXX " XXXX XXXX XXXX XXXX but for some reason i have to dis continue and end of paying full amount what they asked, but in tthe mean while one of the sales represantative reach out to me and i purchased another cource from him and he promised that he is going to refund for previous course which " XXXX XXXX XXXX XXXX '' later on they provide me a documents that they refunded full amount but climb bank ( student loan servicer satate that they didn't receive any amount, and they are charging me evry month. 
so i need a help with this, when i call the bank they are keep saying your school need to reach out to us, and when i talk to school they state i have to deal with the bank, so far i need a help with my refund and wants to know who is right and who is wrong?
Consumer complaint received 2019-08-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NV)

Navient has submitted a 90 day late payment to the credit reporting agencies. Currently, I am almost 120 days late but the only option Ive been given is to pay {$1600.00} to become current. I do not have {$1600.00} and I dont have the ridiculous amount of money that they are asking me to pay every month. They are no longer giving me any options for forbearance, as I have exhausted that option. They continue to add interest to the principle and I currently owe 5 times more than they loan I took out. Please help!
Consumer complaint received 2023-09-30
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-30
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. (IL)

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 XXXX 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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX : STUDENT LOAN ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a XXXX Form. This dispute centers around an account for which I have received a XXXX Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX Account Holder Name : XXXX XXXX Account Number : STUDENT LOAN ACCOUNT NUMBER XXXX Date of XXXX Form : XX/XX/2023 The issuance of the XXXX Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the zeroed-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the XXXX Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the XXXX XXXX. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account.

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

As of XX/XX/2019 I learned that Merchant Credit Guide filed derogatory information against my credit report regarding a debt that they were attempting to collect. I never received communication about this agency trying to collect a debt. I did not receive a telephone call nor any mailing from this company. If I had properly been notified of Merchant Credit Guide attempting to collect a debt from me, I would have surely contacted them immediately. The original owner of this debt is a pain clinic known as XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX IL. I used my insurance to handle this procedure. They did not tell me my insurance wouldnt cover the procedure. I did not learn of this until two years after the procedure and I received a bill of charges that were grossly over what should have been expected for this type of treatment and I was charged for treatment I did not even receive. I tried multiple times to contact someone in the billing department to resolve any monies that would be owed, I NEVER received any communication from them regarding payment arrangements, in fact the telephone numbers for the office no longer worked and when I went to the office physically it looked as if they were no longer in business. I plan to contact the Attorney General regarding the fraudulent practices of this institute.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX and XXXX
Consumer complaint received 2019-08-11
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: Experian Information Solutions Inc. (TN)

I submitted disputes to XXXX and Experian two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.
Consumer complaint received 2023-09-30
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Comerica (CA)

My name is XXXX XXXX. I receive my XXXX veteran compensation on the XXXX XXXX XXXX. I am currently in the XXXX. They are aware I am here, as I called them on XXXX XXXX, because when I tried to withdraw cash at an ATM here it declined the transaction. I've had this issue before. In the past they told me that they file a " white card '' to the fraud department. The white card is notification that I'm currently in the XXXX. This is done to prevent my card from being shut down due to suspicious activity on the account. Today on XXXX XXXX, I tried to send money to my girlfriends savings account and the card is declining. I tried to do the transaction with XXXX. This is not an unusual transaction, as I access my money using XXXX for the majority of my transaction every month. I try to call their customer service number and it gives you a recording telling you that due to high call volume, they can't take your call at this time. It then proceeds to hang up on you. 
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