davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

- On XX/XX/2022 : I initiated a transfer of {$600.00} from U.S to XXXX for my mom using MoneyGram service. 
- On XX/XX/2022 : My Mom went to her bank to check for the money using the reference number given by MoneyGram but the transaction was not successful. 
- MoneyGram wrongfully updated the status of the transfer as deposited on my mobile app despite the problem. 
- I called their customer service to report the problem. They assured me that they would contact my mother 's bank to investigate the case. Received case number XXXX. 
- On XX/XX/2022. I received their resolution email, which said that there was a delay and they wanted to give me back the transfer fee for the transaction. 
- On XX/XX/2022. My mom went to the bank to check for the money again. It was still unsuccessful. I contacted MoneyGram customer service again and all they did was give me a new case number XXXX. 
- On XX/XX/2022, I got an email from their XXXX XXXX XXXX. He offered no help but just simply said that I had been given the resolution to the issue. He was referring to case XXXX which solved nothing. 
- Not only that, but my mom also went to the headquarter of her bank in my city to ask about the status transfer. We learned that MoneyGram made a mistake, the bank representative told us that the information about the receiver 's country was wrongfully set, thus stopping the transaction from being deposited correctly. 
- I filed another complaint and let them know about the issue on a new case number : XXXX. I also called their customer service and got told that they will try to resolve the issue in 15 days. 
- Today is XX/XX/XXXX and yet there was no answer from MoneyGram. I had to call their customer service just to get told that they will carry out an investigation and tell me to wait another 90 days. 
- Just to note that from XX/XX/XXXX on, I have restlessly tried to contact them multiple times but they keep putting me on a 90-day wait time for a new investigation. The very same kind of investigation that resulted in nothing and I doubted they did talk to my mom 's bank because if they did they would have figured out a long time ago what the problem was. 
- It's been nearly two months and my money is still up in the air. MoneyGram can't just keep customers ' money hostage like this because money affects people 's lives. My mom is desperately in need of that money but she had no other choice but to lend money from a third party that costs her a hefty interest payment.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX we had a house fire and asked for time to pay due to the fire. We was told to pay and get the house taking care of by our home owner insurance. {$60000.00} was sent to SHELLPOINT MORTGAGE and the repairs where not complete. We told Shellpoint Mortgage the homeowners insurance was having a problem with the completion to finalize the repair. Shellpoint Mortgage told us to get a attorney and all the money to finish repairs are going to be placed on the mortgage account. So after months of trying to get the attorney we started repairs with my XXXX money and again asked for a mortification. 
Shellpoint Mortgage told us in XX/XX/XXXX they would start the mortification for our home. 
XXXX XXXX we was hit by Hurricane Harvey. I contacted Fema, Texas Department of Health, our homeowner insurance XXXX XXXX XXXX XXXX XXXX. Everyone put our home repairs including the Shellpoint Mortgaga on hold and started to the Hurricane procedure. Changing our Mortification contract person and asking us to resend all papers to 5 different people at Shellpoint Mortgage. On XXXX XXXX we we were sent the mortification papers once again after sending over 60 papers before XXXX XXXX. XXXX XXXX a attorney sent us some papers from Shellpoint Mortgaga stating they are hired to foreclosure processing against us. 
I'm XXXX XXXX XXXX a XXXX XXXX Receipt
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, 2022 XXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX authorizing JP Morgan Chase Bank to return the funds to the originator. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX informing them on the fact of issuance of the above mentioned license and asking them to return the funds to my account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, I can not receive my money even having the license authorizing it.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I DO NOT OWE ANYTHING. THIS IS A FRAUD ACCOUNT. IT IS A DIRECT VIOLATION OF MY CREDIT RIGHTS. 15 USC 1692C. ( C ) VIOLATION, 15 USC 1681A ( 4 ) VIOLATION, 15 USC 1692 C ( 3 ) VIOLATION, 15 USC 1692 B ( 5 ) VIOLATION, 15 USC 1692 F ( 8 ) VIOLATION. BOTH OF THESE FRAUD COLLECTIONS ARE APPEARING ON MY EQUIFAX CREDIT FILE. CONFIRMATION FOR REPORT # XXXX ADVERSE ACCOUNTS/ FRAUD UNAUTHORIZED ACCOUNTS XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX and Transunion, has not ceased in their action to report factual information on my credit report. 
XXXX XXXX and Transunion, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX XXXX and Transunion. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX XXXX and Transunion, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (TX)

When checking my credit, I noticed that there were some things that were wrong on my report, so I contacted the credit bureaus to ask them to verify the information and they failed to verify it. I have contacted them on multiple occasions and they are not following by the guidelines of the FCRA and are violating my rights by failing to investigate and by reporting misinformation without providing proof. I want this erroneous reporting removed from my report as per the FCRA
Consumer complaint received 2022-12-02
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (NC)

I have been in XXXX since XXXX  and calling the bank about these fraud charges to two credit cards. I have been calling and I do not get any where except given numbers to call and placed on hold for hours. 
My two credit cards were stole and were charged at restuarant and other places here in XXXX. I have only one credit card number that was used. 
I am in a court case here because i went to one of the places my card was used and they called the police and i was arrested for going with force. I have another court in XXXX. I have called and called the bank as I stated and I can not get any response except new numbers to call. 
My cards should be refunded for these charges. 
I have put in the complaints with BB & T. Nothing has been sent to me as they said. and I can not get any person from there to help me. I have been calling since all this has happened. 
I was making payments on these cards to save my credit but it took all my money to pay these cards. 
I have this complaint with BB & T but they are not responding in anyway. 
This is a short story of what has happen to me. 
I kept all my cards together and passwords together in a wallet I did not use. 
This was stole from me. 
I have told the story to so many people at BB & T. Some of the people that i actually talk to were gpung to send out forms for me to fill out but I still have not received anything. The only thing I got was numbers to call and placed on hold for hour after hour. 
I am in XXXX and I am here until these charges are dropped on me. I am a vitimin a horrific crime.
Consumer complaint received 2022-10-20
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: Experian Information Solutions 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. 

Account Name : XXXX XXXX Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX, XXXX, Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX and Account Name XXXX XXXX XXXX recovery and Account Number # XXXX Has violated my rights. 

15 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.

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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-10
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)

This account was charged off on the following date ( XX/XX/year> ). Since then, the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the XXXX XXXX legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the XXXX XXXX investigation and the actions the Credit Bureaus have taken to rectify this situation.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (TX)

In accordance to the fair credit report act XXXX account number : XXXX, XXXX XXXX  account number : XXXX XXXX, XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX account number : deptedXXXXXXXX, XXXX XXXX account number : deptedXXXX  XXXX Has violated my rights. 

15 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 my account without my written Instruction.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Fast Money Loan (CA)

I owned ( free and clear ) a XXXX XXXX XXXX with very low mileage and decided to take out an auto title loan from Fast Money Loans. I took out the loan in XXXX and the car 's value at the time was about {$10000.00}. The title loan was only for {$4000.00}. 

Fast money loans had a habit of mis-applying my payments, which by the way, were always well above the minimum payment of {$300.00} ( see attached ). Somehow even though I had already paid off my loan in full and well ahead of schedule -- my car got repossed twice and they refused to hear me out or give me my car back. When i asked them why they thought i was past due, it turned out that they didn't even apply some of my payments to the loan. Then once i showed proof that they made an error, they said that they applied my payment to the principal and therefore the loan was still past due. This makes no sense whatsoever. It was clear that their goal was to rob me. They stole my car after I had already repaid close to {$5000.00} on a {$4000.00} loan. 

I am attaching all of my communication with this company regarding their theft of my vehicle. And yes I am calling it theft. It isn't just predatory lending. I clearly documented every payment i made and on which dates and had all of the payment receipts and they still said that i was past due. By XX/XX/XXXX i had paid off the loan ( had they correctly ammortized they would have realized this ) and it was many months ahead of schedule. Loan wasn't supposed to be paid off until middle of XXXX. They somehow found an excuse to repo my car and refused to give me any way of getting it back as you will see from the communication. 

They had exhausted my funds and left me without any money for an attorney. In fact, i didn't even have enough money to use a mediator which was what i had initially intended to do as you will see from the emails. Everything that they did was extremely unethical and they even sabotaged me on an insurance claim that i was making on the vehicle.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 15 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 2022-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have requested at least 5 times verification and validation and I have not received proper info. They have sent my account to XXXX different companies and when I request verification, they send it back to original company ( Resurgent ). I believe they are playing with me and have violated my rights under, 15 U.S Code 1692b ( 5 ) 15 U.S code 1692c 15 U.S code 1692c ( a ) 15 U. S Code 1692d 16 U.S Code 1681 section 602 A They keep sending me the same copy of an statement from XXXX XXXX that does not prove anything. I have no contract with this company and therefore no obligation to pay this alleged debt. They can not send me the verification XXXX  validation papers because they do not have it. Please advise. I want this company to close and remove this account from my credit reports as it is hurting me.