davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I sent a Money transfer to XXXX through MoneyGram to a bank account. the fund was not in the account as promised. I call MoneyGram to enquire around end of XXXX. I was told the money was not proceeded correctly. i then requested for they to cancel the transaction. one month later, i received an email that the money was deposited to the bank account. i called and filled another complain, one month later the resolution was the same, i filed again another complaint in XXXX, resolution came back the same. i filed the last complain in early XXXX, i requested that the claim be escalated, i also requested a copy of the receipt for the transaction. i received an email two days ago, they said that the money was deposited to the account but did not provide any receipt. i called MoneyGram, i spoke to the rep, she just read me what the resolution said, i then requested to talk to a manager, she basically filed another complaint, same as they did the last 4 times. it seems to me that they are not planning to do anything with this case.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Couch Conville & Blitt LLC (LA)

On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

Exeter Finance has continued to report my account late to the credit bureaus for the last year. Yet I have made my payments on time and have been up to date. They keep saying it is not them but it is the way they are reporting to the credit bureaus.
Consumer complaint received 2024-08-28
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: BARCLAYS BANK DELAWARE (TX)

Notified by XXXX XXXX email alert on XX/XX/2024, that new hard credit inquiry was reported to them via XXXX 's response to initiating requestor, Barclay Bank. We have no current or prior relationship with Barclay Bank or its affiliated financial partners, and at no time past or present did we attempt to obtain credit from Barclay Bank. Obviously, party ( ies ) posing as my wife and/or I were fraudulently attempting to obtain a loan, BarclayCard, or other credit from Barclay Bank for their own purposes. Unauthorized inquiry information was provided by credit reporting agency XXXX, but possibly to other such credit reporting agencies. In turn, XXXX provided XXXX XXXX with the fraudulent hard inquiry data which in turn was reported to us via email alert from XXXX XXXX. 

Phoned Security Department of Barclay Bank, and confirmed with phone agent that they had indeed initiated the hard inquiry, but as the loan or credit card request was denied, Barclay Bank would be unable to take any further action or provide additional information.
Consumer complaint received 2024-08-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX, has violated my rights. 

XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Money Stash, L.L.C. (UT)

I have had two loans with the creditor, Money Stash. The first loan was started in XXXX of XXXX for {$880.00}. I made a few of the payments, however reached a point where I could no longer stay on the payment schedule. I tried working with the creditor on more of a hardship plan, however could not reach an agreement on an amount. 

Eventually in XXXX of XXXX, the account was referred to a collection agency the creditor partners with, XXXX XXXX XXXXXXXX. The collection company and I agreed to a payment plan, and I was able to make payments until it was eventually settled in XXXXXXXX XXXX XXXX 

The second loan was taken on XX/XX/XXXX. I was in an emergency situation with my rent, and in hindsight should never have agreed to this second loan with the creditor ( that was my mistake ). I could not make the payments ; eventually this account was sent out to the same collection agency, XXXX XXXX XXXX 

Similarly as with the first loan, XXXXXXXX XXXX XXXXXXXX and I agreed to a payment plan, I started making payments on this account in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX weeks. 

In XXXX, I was unable to make the {$50.00} pmt on XX/XX/XXXX, I had asked XXXX XXXX XXXX if I could make a double payment ( {$100.00} ) on XX/XX/XXXX instead. This request was accepted, but unfortunately I wasn't able to make that payment as I was late on my rent in XXXX XXXX XXXX XXXX XXXX XXXXXXXX and had to catch up, paying the late fees. 
I reached out to XXXXXXXX XXXX XXXXXXXX last week, XX/XX/XXXX to see if I could make a payment on XX/XX/XXXX. Further, I advised I would be able to make an additional {$50.00} payment on XX/XX/XXXX, and then a {$100.00} payment on XX/XX/XXXX, essentially " catching up '' on my payment plan. On XX/XX/XXXX I called to make a {$50.00} payment, but no one at XXXXXXXX XXXX XXXXXXXX took my call. 

I called again this morning, XX/XX/XXXX, to make my {$50.00} payment. In a lengthy discuss with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I was made aware amount I could do, {$50.00}, would not be accepted. I was further threatened that payment amounts would be increased, whether I could afford it or not.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TX)

SLS Mortgage Servicing had the mortgage on my home. In XX/XX/year>, Shellpoint Mortgage took over my mortgage. Shellpoint stated they mailed a notification letter in XX/XX/year>, but I did not receive that letter. I made my XXXX, 2024 mortgage payment to SLS on XX/XX/year> in the amount of {$850.00}. I contacted Shellpoint by phone in XX/XX/year>, spoke to a customer service representative and explained what happened, and was assured my payment would be credited. I have filed a formal complaint with Shellpoint every moth regarding this issue. Shellpoint sent me a letter in XX/XX/year> requesting a copy of the ACH withdrawal, and I sent them a copy of my XX/XX/year> bank statement. I just made my XX/XX/year> mortgage payment and Shellpoint has still not credited my account and they are showing me delinquent. This not only reflects poorly on my payment history, but on my credit report also. I want Shellpoint Mortgage to credit my account {$850.00} paid to SLS.
Consumer complaint received 2023-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX, XX/XX/XXXX To whom it may concern, Despite the US Post office showing a package being delivered, the gift sent to my friend on XX/XX/XXXX never arrived. The local mailman never brought it to her house and when the recipient went to her local post office to inquire about it with the tracking number issued by the US Post office she was made aware that the package had been received opened and damaged from the US Post office and that she could not retrieve it unless she paid {$42.00} of custom fees. 
It obviously did not make sense to pay for a package that had been opened and damaged and she requested the package to be returned to me. 
As of today XX/XX/XXXX the package was never delivered to its recipient nor returned to me, the sender. 
I paid {$26.00} with the Capital One credit card ending in XXXX and left this package under the responsibility of the US Post office to be delivered, not to be opened and probably eaten.

IMPORTANT : THE TRACKING WEBSITE WAS UPDATED TO SHOW THE PACKAGE AS " DELIVERED '' BUT THIS IS INACCURATE.

I asked the US Post office to refund me for the {$26.00} that this has cost me but they refused and are hiding under the entitled excuse that all sales are final which is neither legitimate nor valid as I was not informed of such a disposition upon shipping the package. The US Post office must be held accountable for their mediocre services. I have made a claim to be refunded but they closed it a few hours later under the excuse that the package had been delivered which is untrue as stated above.

A few weeks ago I disputed the {$26.00} transaction with Capital One but they unfairly sided with the Post Office. I have been a customer of the bank since XXXX and today I am in the challeging situation where I am fighting vs two big organisations as a anonymous individual who has no power to be refunded for a service paid that was never rendered. Please refund my card for {$26.00} and do not side with this incompetent and careless organization. 
If this matter is not promptly resolved and in my favor, I will have no other choices but to file a complaint with the XXXX XXXX XXXX and will proceed until I get refunded. Thank you in advance for your time and consideration. 


XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Regarding Misleading and False Information Reported by Credit Karma on the platform Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns regarding the information reported by Credit Karma, which I believe to be misleading and potentially false. As a consumer who relies on accurate credit reporting to manage my financial health, I am troubled by my experiences with this platform. 

On XX/XX/year> Credit Karma displayed on there platform that my XXXX XXXXXXXX XXXX XXXX account was closed. That information is false and misleading. My credit card account on all 3 credit bureas is not closed. I'm uploading all 3 Credit Reports so you can see that it's false, misleading others as well. 

I understand that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and fairness of the information they report. However, my attempts to address this inaccuracy directly with Credit Karma have not yielded satisfactory results. 

I am concerned that such misleading information not only affects my creditworthiness but may also impact other consumers who rely on Credit Karma for their financial decisions. I urge the CFPB to investigate this matter and take appropriate action to ensure that Credit Karma complies with FCRA requirements. 

Thank you for your attention to this important issue. I look forward to your response and any guidance you can provide on how best to proceed. 

Sincerely,
Consumer complaint received 2024-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (UT)

My bank account information was put on the internet. Someone placed the following charges on XXXX under my bank account. XX/XX/2024 {$9.00} XX/XX/2024 {$23.00} XX/XX/2024 {$1.00} XX/XX/2024 {$21.00} XX/XX/2024 {$7.00} I reported the charges to my credit union which their fraud department investigated. since then they closed my account 's routing number. TRS has been non-stop telling me that I owe money for charges I never made. I sent them a letter from my bank stating that there were fraudulent charges and they won't accept the letter. They tried calling my bank for my information. They are now sending me letters saying they will send me to collections unless I give them my SS # my new bank account # and a copy of my driver 's license. They don't need this information. I contacted XXXX they said they were not sending me to collections.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IA)

Chase advertised XXXX free nights for the Marriott XXXX  card upon {$5000.00} of purchases within the first 3 months. I reviewed statement history and never received this benefit. Called and was told I should have. Received an email stating I did not qualify and balance transfers, money orders did not qualify. I only made purchases and no type of gambling related expenses during this time. I expect the benefit.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCF Intermediate Holdings LLC (CA)

I have been calling the credit bureau they don't give me any information I have asked them to remove al inquiries that don't be long to me I've also asked to remove anything that I have dispute because i never had anything in my name or open account still live with my parents it still is showing in my credit report
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Nelnet is charging me interest on my student loans, even though they are placed in stopsave forbearance at 0 % interest since XX/XX/XXXX. They also emailed me to confirm that the ED directed them to put it in forbearance. 

Ive actually paid some of my loan, and some of that payment went to interest, over XXXX weeks after the judgement. Now, almost 2 months after judgment, more interest is still accruing. 

Ive tried to reach out, but was unsuccessful over multiple attempts over many hours. They do not answer their chat, their email service is down, and cant contact anyone over the phone. 

This is unacceptable and these illegal practices are directly harming me as a consumer. This is directly not allowing me to make payments as directed by the ED, and is in turn, delaying my end payoff date, increasing their own profits. This is extremely dangerous territory, and adding to the issue of student loans. The issues with not even being able to contact my loan servicer is also unacceptable.
Consumer complaint received 2024-09-13
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: Mr. Cooper Group Inc. (PA)

I have been attempting to reach someone at Mr. Cooper for the past two weeks regarding an urgent matter. I am currently in the process of purchasing a vacation home, but it still shows that there is a loan associated with Loan Number XXXX. I have been trying to obtain a Paid in Full letter, but my efforts have been unsuccessful. 

It appears that Mr. Cooper has not established a " Continuity of Contact '' phone number that allows consumers to speak with a live agent. Instead, calls are directed to AI Bots, which often disconnect the call without providing an option to speak with a representative. This lack of accessible communication is concerning.

I am requesting that Mr. Cooper promptly provide the Paid in Full documentation so I can proceed with my life without further delays. I have already explored multiple avenues, including emails and messages, all without success. Therefore, I am also asking the Consumer Financial Protection Bureau ( CFPB ), Federal Communications Commission ( FCC ), and Federal Trade Commission ( FTC ) to inquire into this matter, as this is not an acceptable way to conduct business. 

If I do not receive the requested documents promptly, I will have no choice but to proceed with a forensic analysis of the mortgage to verify that it has indeed been satisfied. I have already engaged a reputable company that is prepared to provide the necessary report and serve as a key witness regarding the findings.
Consumer complaint received 2024-09-14
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. (FL)

I am writing to formally lodge a complaint against Experian for the unauthorized and unlawful use of my consumer credit report. Specifically, I discovered that the Office of the Attorney General of Texas had been accessing and reporting on my consumer credit report for months without permissible purpose. This unauthorized access persisted even after multiple disputes I filed with Experian. It was not until XX/XX/year> that these inquiries were removed, which indicates a failure on Experians part to take appropriate action promptly. 
Violation of FCRA and Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ), a consumer reporting agency is prohibited from providing consumer information unless there is a valid, permissible purpose. To the best of my knowledge, there was no valid reason for the Office of the Attorney General of Texas to access my consumer credit report, as I had no existing relationship or legal obligation that would justify such an action. Their persistent access to my report constitutes a clear violation of my consumer rights under the FCRA, specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX, which provides for civil liability for willful noncompliance. 
Harm, Injury, and Loss As a result of Experians failure to act diligently in protecting my consumer file, I have suffered material harm, injury, and loss. The unauthorized reporting negatively impacted my financial standing, causing me to expend significant time and resources in resolving this issue. Moreover, the presence of unauthorized information in my credit report resulted in emotional distress and potential damage to my creditworthiness, which could have long-lasting effects on my ability to obtain credit or favorable financial terms. 
Remedy and Timeline I am providing Experian 15 business days from the date of this letter to issue the requested payment and to confirm that my consumer file reflects the correct name, free from unauthorized inquiries and information. Should you fail to comply with this demand within the stated timeline, I will pursue legal action, including but not limited to, filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and taking legal action under XXXX U.S.C. XXXX for willful violation of the FCRA, seeking additional statutory damages and attorneys fees. 
Conclusion Experian must ensure the accuracy and protection of my consumer credit report, and I expect swift action to address this serious matter. This letter serves as formal notice of your obligations and my demand for remedy. 
I look forward to your prompt and favorable response to this complaint.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP (NY)

On XX/XX/24 a fake process server came to my home. My husband answered the door. The process server asked if I lived there and then gave my husband the fake summons and left. 

I noticed the summons was fake because there is no index number from a court on it, and it is only stamped received with a store-bought looking stamp. At the bottom of the summons, it says this communication is from a debt collector, and this attempt to collect a debt.
Consumer complaint received 2024-09-14
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. (TX)

Description of the Disputes : Subject : Credit Report Discrepancies Victim of XXXX  XXXX  My name is XXXX XXXX, and I am writing to file a formal complaint regarding inaccurate and fraudulent information listed on my credit reports with XXXX, XXXX, and TransUnion. As a victim of XXXX XXXX, my personal and financial information was misused without my consent, leading to several inaccuracies on my credit reports. I have already submitted dispute letters to each of the credit bureaus along with an FTC report to substantiate my claim. 

Specifically, the following accounts were reported inaccurately : XXXX. XXXX XXXX XXXX Reported as charged off with a balance of {$36000.00}, which is incorrect. 
XXXX. XXXX XXXX Reported as charged off with a balance of {$180.00}, which is incorrect. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Listed as a collection account with a balance of {$3200.00}. 
XXXX. XXXX XXXX XXXX Reported as charged off with a balance of {$180.00}, which is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and 60 days past due, despite being paid and closed. 
XXXX. XXXX  XXXX Listed as disputed and closed by the credit grantor, which is not accurate. 

These discrepancies are a result of my identity being used during the time I was a victim of XXXX. I have taken the necessary steps to file disputes under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which mandates that adverse information resulting from XXXX XXXX  must be blocked within four business days once proper documentation is submitted. I provided each credit bureau with an FTC report as well as details of the accounts that were incorrectly reported. 

Despite this, I am concerned that the credit reporting agencies may not act in compliance with the law. I am requesting that the CFPB assist in ensuring my rights are fully upheld under the FCRA and that the necessary corrections are made to my credit reports without delay.

I kindly ask that the CFPB intervene to ensure these inaccuracies are removed promptly and that the credit bureaus abide by their obligations under federal law. This fraudulent information continues to harm my credit standing, and I request that my complaint be prioritized given the circumstances.

Thank you for your attention to this matter.