davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

My name is  XXXX   XXXX   XXXX , I live in  XXXX   XXXX , Florida, on  XXXX / XXXX /  XXXX    XXXX  pm I sent money via moneygram to  XXXX   XXXX  who lives in  XXXX , Texas. I sent her the refrence number and the private question and answer so she could get the  XXXX . The money was for my  XXXX   XXXX   XXXX  daughter as a birthday gift.  XXXX  went to the walmart in  XXXX  with her ID and the info to retrive the money, she was unable to get it, they told her I had to call  XXXX  and give them more info, I did that, they said ok tell her to go and retrive the money, nothing, they said they needed more info, what more info do they want? so I decided to send my daughter a money order and I went today  XXXX / XXXX /  XXXX   to retrieve my money, they said it 's on hold and I could not get My money so I got back home and called the  XXXX  number again and they seem to put you with people with thick accents so it ;  s  difficult to understand and they tell me the transfer is under review, what are they reviewing I asked, I gave you all my info, she gave you all her info and you still wo n't release the money to her or me and I 'm the sender, it 's my money ca n't I get it back, the man says it 's under review again, that 's when I started to get mad cause they give you the run around, do they need the  XXXX  that much? so I told him he was no help at all and I guess I will have to see if there are any class action law suits or I will get a lawyer and we can make those  XXXX  dance. He then asks if there is anything more he can help me with so I hung up on him. Please help!
Consumer complaint received 2017-02-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

My mortgage was just sold to Loancare LLC ( XXXX XXXX XXXX XXXX XXXX ). I received my temporary coupons in the mail on today. I registered on their website to make my monthly payments via the web. When I tried to make my current payment, although I have XXXX days, I realized the company added a {$10.00} fee to my payment. As I read down the page, they charge their customers ( due date is the XXXX of the month ) : On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} This is a scam and has to be illegal. I would like for these guys to be investigated, I 'm sure they 're scamming ALL their customers.
Consumer complaint received 2023-06-24
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. (AL)

On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX a unauthorized inquiry was made from XXXX XXXX I ask that it be removed. on XXXX XXXX a unauthorized inquiry was made in my credit profile I asked that it be removed in XX/XX/XXXX a unauthorized inquiry from XXXX was made to my credit profile I ask that it be removed On XXXX XXXX a negative closed account was reported to my credit profile this account is fraudulent and I ask that it be removed 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft, however I can not see what my social security number has been used for as I can not access my own credit report. I discovered that I was a victim though a background check that my employer conducted. 
I can not file a Identity Theft report at identitytheft.gov because I can not get my credit report. The only option available to me is to send an application by mail, which is time consuming considering the pressing nature of my situation.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

When I was XXXX, I had to go on XXXX leave. I called Navient to tell them I had a XXXX and had to go without pay for 20 weeks. They told me they would put my account in forbearance until I could return to work after XX/XX/XXXX. When I called them months later they said my account was past due and I could again, apply for forbearance due to financial hardship and it would show that I was paid up to date. at that time, I set up for automatic withdraw as my sign in on their website never seemed to work. Fast forward a few months, I landed a new job and decided now is the time to buy a house. However, that 's when I found out that Navient reported my account as default on all XXXX small loans for 5 months causing so much damage to my credit that I can no longer buy a home. I wrote them a letter explaining this and they refused to help me. I 've called several times and they refused to help me. They have refused to let me speak to a student loan advocate as well. I also filed a complaint to the Omsbudman that was of no help because they did not seem to understand that I was told one thing and another thing happened. What really upsets me is that I 've never paid on my student loan until XX/XX/XXXX. I always go in forbearance due to the fact that I was a single working mom. When I went in forbearance all those years, my payment history is shown as paid. Again, I never paid on my student loan since I graduated in XX/XX/XXXX until XX/XX/XXXX! And not until this last time did they ruin my credit. I am now making enough money to pay my loans and buy a home for my family. I have no paperwork of these transactions because they do not provide me with any- EVER! It is recorded answers. I wrote a letter of good will practically begging them to investigate and stick to what they told me. They sent me a generic canned letter saying my payments were missed. Nothing was written about what they agreed to do. Please help me!
Consumer complaint received 2016-12-23
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MA)

Please refer to attachment for my initial dispute regarding Wells Fargo 's explanation of an FHA application as " Not Part of the closing documents '' It was done in " Good Faith '' First of all, I have a binded portfolio of ALL THE CLOSING DOCUMENTS along with HUD 1, HUD 2 etc. Each of the numerous documents including the HUD 1 and HUD 2 list the " Mortgage Insurance Case Number : XXXX. '' One of the loan numbers submitted by XXXX in an earlier response to my concerns lists XXXX as one of the numbers assigned to the FHA/HUD mortgage. XXXX states that the FHA CASE NUMBER is located in one of many data bases. 
( I will also be disputing IV Acknowlegment and Agreement as stated on the FHA application and VIII which is Information for Government Monitoring Services ) The very first sentence in VII : Each of the undersigned specifically REPRESENTS TO LENDERS AND LENDER 'S actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors, and assigns and agress that 1 ) the information provided in this application is TRUE AND CORRECT as of the date set forth opposite my signature and that any INTENTIONAL or negligent misrepresentation of this information contained in this application may result in Civil Liability, Including Monetary Damages TO ANY PERSON who may suffer any loss due to reliance upon any msreprsentations that I have made in this application and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, sec.1001 et seq. 



The very first line contained in VII starts out stating " The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the Lender 's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Larry H. Miller Group of Companies (AZ)

Purchased a vehicle from XXXX XX/XX/XXXX, XXXX. 
XX/XX/XXXX replaced transmission, I was advised by the service person they had left the old wave plate on and attached the new transmission. XX/XX/XXXX my check engine light came on by XX/XX/XXXX failed my emission test due to the check engine light ; carried papers from emission for the service to sign for the light to be overridden which lasted long enough for me to pass emission. Light came back on no sooner than I parked in my drive way. From this point with no assistance from XXXX service department was OFFERED to get the car diagnosed. For the recommended tire/battery/steering rack/coolant yes they were all denied. MY ISSUE WAS THE CHECK ENGING LIGHT PERIOD. I was told to record or video if the car starts to do anything. Finally was able to do this when I let the service guys there see this clip I was told all I needed was a battery. Shortly after I found a hole in the manifold intake value which was suppose to have been fixed.To this date service guys has lied about the many times I came to get something done about the issue ; gave date of when they say the car was diagnosed at XXXX, which is records of one time the car was there after transmission replacement. Yes they are to this point call me a liar because I declined a battery and tires etc. On XX/XX/XXXX the heater hose failed due to the check engine light was already on I had no warning. Car towed to garage, now they are saying short block part of the engine failure to a bad to worst situation now service denied warranty. The car sat unrepaired for 60 days, XX/XX/XXXX I removed my personal belongs and found a open container of antifreeze, OK on the floor of the car where my grandchildren would be sitting, " yes the service department put that there ''. I wish it could have been dusted for fingerprints ; my prints would not be on the container. The dealership wanted me to pay {$3500.00} to fix the car. NO WAY. I made a decision to surrender the car back I guess the only satisfaction I will get from this the car was in my BKO do n't owe a dime! I am still thinking on this issue because there was no REASON FOR SERVICE TO BE DENIED..MANUAL SAYS CHECK ENGINE LIGHT GET TO YOUR NEAREST SERVICE DEPARTMEMT. I did all I was suppose to do I tried honestly to get service. Who knows customer does not have to lie about a broken car, just can not drive it either.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern, thank you for taking the time looking at my case. this fraudulent information that was reported to all credit services really cripple me as a consumer and my credit score I never was late with payment to XXXX this account was paid in full and all equipment was returned on time to them by ups in the mean time the way they place their XXXX on my roof they made halls and damage to my wall every month that I was getting a bill it was different we me and my wife had to be on the phone talking to XXXX for hours the inconvenience the damage to my credit report I will sue for damages and they had the right to get their atty with XXXX to put me in collection of course also they were removed conveniently from all credit bureaus because there was perfect record they should be ashamed what cable and phone companies do to consumers I like to see results like removing this XXXX from my credit report and something should be done about co. like this. and I have filled a report with all credit bureaus but nothing was done Thank you for your time and help in resolving this matter XXXX XXXX
Consumer complaint received 2015-12-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: NCP Finance (OH)

I received XXXX loans from various payday loan Agencies, all in which were financed by the same Finance Company. I needed the loans to pay medical bills, and well needed car repairs, I was not aware that their was XXXX Finance Company for all XXXX loans. When I went back to payoff XXXX my loans and re-loan, I was told that I could not re-loan due to my reaching my cap with the Finance Company. This caused a great financial crisis for me, because I had given them over {$700.00} contingent upon them giving a portion of it back so I could fulfill my other obligations. I contacted the Finance Agency, whom had XXXX my loans listed under a different ss # and another not listed at all, but yet I was declined receiving another loan " due to reaching my cap '' I had also paid off another loan to get a higher amount the lower amount was {$1100.00} APR of 286.27 % total payments of {$3100.00}. I had paid {$2400.00} at {$280.00} monthly for six months. I was told I had to payoff the loan first before increasing the amount, so the Lender said I still owed {$810.00} plus pay a additional fee of {$55.00}, so the interest that was deducted for paying off the loan early was only {$560.00} ( which was unfair amount ) so now the new financed amount was {$4100.00}, I received {$3300.00} after they deducted fees at a 221.13 % APR with monthly payments of {$760.00}, so the total amount owed to this same Finance Company would be {$13000.00} over a period of 17 months for a loan less then {$3000.00}. I 'm certain that the Loan Agencies are not allowed to charge this much for small loans, and if they are someone need to do something about it. If they are licensed under the Mortgage Lending Act then they should be giving Mortgage Loans not payday loans. Payloans from XXXX, XXXX XXXX XXXX, XXXX and installment loan from XXXX all financed by NCP Finance ( Lender ).
Consumer complaint received 2017-02-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

When I filed a dispute for Midland Funding to verify the debt date and amount they are now reporting the wrong balance. Orginally debt was {$1800.00} they now are reporting it as {$30000.00} USD and still are trying to re-age the account date. They have called me several times telling me to be at my house with a picture ID so they can serve documents to me. Both times I told them I would be at home and they never showed up. I need this amount corrected asap as it is adversely affecting my credit or it needs to be deleted. I have disputed it but, still no response.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have submitted this case before. This is what TransUnion responded : Trans Union said : Explanation of closure The Fair Credit Reporting Act allows chapter XXXX bankruptcies to be reported for 10 years from the date of filing. Under the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item unless you can provide new information such as court papers that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the court directly. Contact information for each creditor is provided on your credit report for review. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 

Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX California Federal Court was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, California Federal Court chapter XXXX bankruptcy # XXXX reflects a dated filed of XXXX XXXX, XXXX and an estimated date of deletion of XXXX XXXX. TransUnion reviews and considers all relevant information you provide, and we either will make changes to our report based on the information you provide, or we will investigate your dispute by contacting the source of the information. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the court directly. Please also note that the documentation submitted from XXXX does not address your dispute and can not be used to update your TransUnion credit report. 

I went to the Bankruptcy Court On Line Site, " Pacer '', and entered all the details several times under my Social and It Came up as, " No Records Found '', so in fact it does not exist in any court records. As I stated before they refuse to verify this listing as it has been taken down and was listed in error. Please see the attached document that is from the XXXX, Online Court Site.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I went to XXXX and requested my Transunion report. The process took me to Transunion 's website, where I could not view my credit report. I tried to do the process again, but the site told me it could not give me my credit report because I had already requested it. When I tried to contact their customer service, everything was set up for different inquiries and there was no way to chat with the people except over phone which I did not want to do in my office.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have been writing the XXXX credit agencies to remove the theft off my credit report i even hired attorneys to have incorrect moved and it stills remains which is effecting my credit score and effecting me from getting anything in my name which is effecting my life and my children life. I have file many complains for frauds on my account and still not actions have been made which is getting out of control. I also have things on my report that is pass 7 years old which should have been deleted and things thats not even mines. I filed dispute after dispute and even ask if they can investigate still nothing have happen. half of the addresses on my report i never even lived at. I have several accounts with XXXX, wi XXXX XXXX XXXX which is not mines. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX which is not mines. I will like someone to investigate to see is using my name and ss XXXX
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

This Credit Bureau complaint is in regards to whomever was responsible in the " pair '' of CFPB complaints on file at this time pertaining to.. 

CFPB Complaint # XXXX, and alsoCFPB Complaint # XXXX. 

I do not have an awareness as to who or whom is at fault regarding the errors contained within the other XXXX complaints mentioned/or referenced above pertaining to/or involving " XXXX '' AND " XXXX '' PLEASE HELP!!!!!