davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PR)

I was contacted by XXXX XXXX XXXX license # XXXX he said he was a lawyer representing XXXX XXXX in XXXX, XXXX XXXX and stated that my cel # was chosen as a XXXX place winner for a promo for the new dealership. I did not provide personal info, except for what he already had which was my full name and cel #, I did give them my address because he said they would deliver my prize personally. He then said that in order to complete the process they needed XXXX for license, insurance, etc via money gram. He said when I receive the car I was to give him the Money Gram receipt that contained the reference # so the money could be claimed ; when I filled out the Money Gram it was sent to a woman named XXXX XXXX in XXXX, RI whom he said was the promoter for the dealership. According to Money Gram 's website when a person picks up money sent to them, they are to provide a valid ID and the reference #. I never provided anyone with a reference #. So, an hour after realizing this was all a sham I went back to the Money Gram store where I made the transaction to request a refund, but the money was already claimed. The woman at the counter told me that not all Money Gram stores are alike, some do n't need the reference # in order to pick up money, they only need the name, tel # and $ $ to claim it. So, I contacted Money Gram I made a complaint and the only info they could provide me was with the city and state where it was claimed and that I had to file a claim at my local police station and that they will provide the police with all the information requested. I need help in stopping this sort of thing happening to someone else and have all Money Gram stores change their policies to have everyone picking up money to provide a reference # in addition to a valid ID like a license or passport. Thanks in advance for info or help provided.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRSTBANK PUERTO RICO (MD)

Called this bank on XX/XX/2016 to confirm what my pay off amount was for my vehicle. They stated {$2700.00}. I asked if i could pay over the phone. They said no, you have to come in or mail a check. I mailed a check for {$2700.00} to include the extra day that it would take to arrive. I checked my loan information online, 5 days later and the balance is not only NOT paid in full but the balance shows now {$3700.00}. I need the title to my vehicle as well as a {$2900.00} refund from their insurance that I did not use. They are stealing my money.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

For proof of ownership of this account from XXXXXX/XX/XXXX, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK PUERTO RICO (PR)

About a year ago and a half i surrended voluntarily a car to First Bank of Puerto Rico inability to pay because I was in a lawsuit contesting paternity of a child under age XXXX it was discovered that was not my legal son and I had very many legal expenses, after having delivered the car to First Bank they sent me a letter charging me {$4.00} dollars because they sold the car at auction and what lost me were charging. 

A year and three months later the FB entered my checking account and they seized {$1.00} dollars without my autorization authorizing themselves without notifying me anything. At the time I thought it was fraud and when I went to the bank said it was time to hand over the car and that 's why they themselves appropriated money. 

First I have never authorized anyone to retire money from my account and there is also no statement yet against me where it is ordered seize money from my checking account
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AR)

My card was stolen and my funds has been taken away. I filed a dispute on XX/XX/2024. I have submitted police report and also a letter of dispute, and requested a provisional credit be granted while an investigation is being conducted. I still haven't gotten a response.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have multiple inquires to credit unions and other lending entities on or around XX/XX/2023 and ending on XX/XX/2023. I have disputed these inquiries and the bureaus refuse to remove these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these loans and want them removed from my bureaus. 

thanks XXXX XXXX XXXX
Consumer complaint received 2019-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ), TransUnion has failed to respond to the following issues on my credit report. The following items in question should be removed from my credit report. 

TransUnion XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine FXXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX I requested an electronic transfer of funds from my checking account with Capital one, in the amount of {$250.00} to be transferred to XXXX XXXX XXXX. I input all of the information requested by Capitalone to create an online payment ( my XXXX account number, amount to be transferred, date ). 
This amount was to cover the premium for 2 months of coverage, and it was due by the XX/XX/year> so that my policy was not cancelled. 
On or around XX/XX/year>, XXXX contacted me and reminded me that my insurance monthly premiums were still unpaid. I had to complete this payment of {$250.00} again to XXXX. 
I first asked Capital One to investigate this on or around XX/XX/year>, and their response on XX/XX/year> was that it was a valid transaction. I contacted XXXX again, and they looked into it on their end, again with a response that the original funds sent by Capital one were not received. 
I asked Capital One to investigate this XXXX more times over the last XXXX months, and they have taken 8 days to return the same answer, that the transfer was valid and received by XXXX.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (TX)

1 ) ACCOUNT IS IDENTITY THEFT FRAUD, BY XXXX XXXX 2 ) ACCOUNT REPORTED TO LAW ENFORCEMENT AS IDENTITY THEFT FRAUD, 3 ) COLLECTION COMPANY KEEPS HARRASSING ME 4 ) ACCOUNT IS NOT MINE 5 ) ACCOUNT OPENED BY ANOTHER PERSON 6 ) XXXX XXXX HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME 7 ) MCCARTHY, BURGESS, & WOLF HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (TX)

1 ) ACCOUNT IS IDENTITY THEFT FRAUD, BY XXXX XXXX XXXX ) ACCOUNT REPORTED TO LAW ENFORCEMENT AS IDENTITY THEFT FRAUD, 3 ) COLLECTION COMPANY KEEPS HARRASSING ME 4 ) ACCOUNT IS NOT MINE 5 ) ACCOUNT OPENED BY ANOTHER PERSON 6 ) XXXX XXXX HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME 7 ) MCCARTHY, BURGESS, & WOLF HAVE VIOLATED MY CIVIL RIGHTS BY ENGAGING A FRAUDULANT CLAIM AGAINST ME
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (VA)

I am starting this complaint because I want the general public to know my story with Ally Bank. I used Ally Bank before and their online banking was down a lot that I could not pay my bills. I complained a lot because of it. Ally Bank revenged me by kicking me out and closed my accounts. 

I then complained to the CFPB and their stupid employee " XXXX '' kept running in a circle saying that the reason why Ally Bank closed my accounts was because I did not take care of my accounts and caused harms to my accounts and Ally Bank. 

However, when I repeatedly ask " What exactly and specifically did I do that Ally Bank said I caused harms to my accounts and Ally Bank? '' Their stupid employee " XXXX '' failed to answer and marked it as a a duplicate. 

Ally Bank admitted that they revenged me by closing my accounts just because I complained that their online banking was down a lot that I could not pay my bills. They admitted by not answering my question directly. My question was " What exactly and specifically did I do that Ally Bank said I caused harms to my accounts and Ally Bank? ". Ally Bank admitted by marking the previous complaints as duplicated and did not answer. 

CFPB put all of my complaints together to create a big story and let the general public know the horrible thing about Ally Bank. 

Shame on Ally Bank and you should be embarrassed of yourselves! 

This complaint is the follow-up complaint of the previous complaints ID XXXX AND XXXX AND XXXX AND XXXX AND XXXX AND XXXX. The XXXX  employee XXXX of Ally Bank did not answer my questions in complaint ID XXXX AND XXXX AND XXXX AND XXXX. The XXXX employee XXXX of XXXX Bank marked my complaints ID XXXX AND XXXX AND XXXX AND XXXX as DUPLICATED and did not respond.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AZ)

I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX Back in XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-11-09
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00}.
Consumer complaint received 2024-05-02
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. (VA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/year> to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2024-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was charged for a rental house through XXXX that I did not book. I contacted the merchant to inform them and they said to contact my bank. I disputed the charge with Bank of America and sent them my narrative. They did not believe me and sided with the merchant. I made multiple calls to get this cleared up and the bank was not helpful I sent them proof from XXXX showing that I did not book this house but they still have ignored my claim. My credit card company stated the merchant had a contract that my husband signed for the property. This is false and I showed them chat transcripts from XXXX that state neither me or my husband booked the house in question. They do not care and are not looking into my claim. This is almost {$3000.00} for a house that neither I or my husband booked. The last time I talked to my bank I was told too much time has passed so they won't give me my money back even if I had new proof. I am at a loss and can not afford to pay for this rental I had never booked. The bank clearly made no attempt to research what happened and just excepted the merchants fraudulent contract. I unfortunately did not think to contact XXXX through chat and request transcripts until recently because I assumed my bank would do their research. It is also incredibly difficult to get to someone who can help without being transferred a bunch of times and sitting on hold all day. It started when I was sent an invoice to pay my rental balance, I paid thinking it was for the house I booked only to find out it was not the property that I had actually booked.
Consumer complaint received 2024-05-02
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. (MA)

I have contacted reporting agencies and requested validation and verification of accounts. Please see details of request below Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove XXXX XXXX XXXX and XXXX from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Credit Cards Re : XXXX XXXX last four of XXXX XXXX The statement is also attached to locate the account number Please note I do give my wife XXXX XXXX to also speak upon my behalf she is also an authorized user on my account if I am unable to be reached please contact my wife at XXXX Or email with a response To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and as well as over paying sometimes more than the minimum due According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments and the Fee and was told this would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. 
To make your process of deletion easier, please find the late payment and fee date below ( which I would like removed ) : I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. FCRA Law 15usc1681a
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always pay on time. I am sure of this. what I am not sure is why this company is reporting me late on certain months which should not occur. Based on USC 1666b any billing error should be corrected otherwise they will be paying me {$1000.00} for each accounts reporting inaccurately.
Consumer complaint received 2024-05-02
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. (AR)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of XXXX XXXX The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX  I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.