davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

On the morning of XX/XX/2020, I logged into my XXXX XXXX checking account to check my balance and my online transaction history. There was a " pending '' charge that I didn't recognize : a debit of {$100.00}, listed under " MONEYGRAM US, XXXX, TX, US. '' This was suspicious for a number of reasons. First and foremost, I *never* use MONEYGRAM, and I certainly didn't authorize the transaction. Secondly, the posting time of the transfer was listed as XXXXXXXX XXXX.a time when I was in bed. And thirdly, there was an email in my in-box, sent at XXXX XXXX the same day, welcoming me as a new member to something called MoneyGram XXXXXXXX XXXX.  I assume MoneyGram had signed me up for some loyalty program without my consent and was charging me for the service. 

So I called MoneyGram. I was on hold for 60 minutes. I spoke to two different customer support specialists. Neither had any explanation for the charge, nor of the email. They told me that I had no account with MoneyGram at all. So they " escalated '' the complaint to a manager. The manager who I spoke to was incredibly rude. He said that, since I did not have a " reference number '' for the transactionwhich again, I never authorizedthat there was no way he could investigate what happened. He flat-out simply refused to help. I asked if he was saying the transaction was a scam, and he would not answer. He ultimately hung up on me. 

I called my bank, hoping to dispute the transaction. XXXX XXXX  told me that this was very worrisome, as the fraudulent charge was an ACH transfermeaning the scammer somehow had my routing and account number. XXXX also told me that MoneyGram should have been able to track down the transaction, using the routing and account numbers from the checking account. Clearly, the MoneyGram manager had a solution at his disposal and simply refused to help. 

Long story short, I had to place a " freeze '' on my checking account while I wait for this fraudulent pending charge to post. At this point, the bank says, I can officially contest the charge. My bank was shocked that MoneyGram could shed no light on this situation. 

I suspect MoneyGram is at fault here. As they are implicated in so many scams, it's shameful that they do not have a customer service protocol for helping victims. 

I need MoneyGram to refund this fraudulent transfer of {$100.00}.
Consumer complaint received 2020-08-14
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: AmeriCollect (WI)

I sent a letter to AmeriCollect at the beginning of XXXX stating that I need proof that I've released authorization for medical documentation to be released to the credit agencies. This letter that I sent was dated : XXXX regarding debt that is being reported as mine on my credit report. All of the debt that they are reporting is supposed to be from medical debt. Their follow up response was to send me itemized statements of medical bills. This is concerning on many levels. I feel as though they've breached my HIPPA rights and unfortunately, they've potentially exposed medical information to anyone who has access to my CBR. I sent a follow up letter On XXXX and no follow up has been made to resolve obtaining proof and consent that my authorization was given to release medical information to any 3rd parties - including the credit agencies.
Consumer complaint received 2020-08-14
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 FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-14
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. (PA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2024-04-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PR)

Synchrony close my Amazon Store Credit Card adducing return of two payments transfers. The first did occurred due to inserting by mistake a digit in the account. The second never occurred because the bank never received a transfer petition from Synchrony. This was confirmed by XXXX XXXX. Nevertheless Synchrony keeps my account closed.
Consumer complaint received 2024-04-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AR)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST ADVANTAGE CORPORATION (CA)

I opened a bank account through Current an online banking institution that reportedly provided teen checking where I could have my sons allowance deducted from my pay and transferred into his account. I was charged {$36.00} for annual subscription services and after this amount was deducted, it took 7 days following my date of pay for the {$20.00} allowance to be deposited into my sons current account. Then the amount would be on hold for 2-3 business days. I have contacted them on numerous occasions dating back to XX/XX/20 requesting that my personal banking information be removed and to close the account. I have not received a response following 3 outreaches. I attempted to engage them this evening by chat to make my request and waited 1 hour and 23 minutes with no response. I want to file a complaint against the institution for refusing to remove my banking information and not closing the account.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Complaint regarding XXXX XXXX and Equifax : On approximately XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX stating that as of XX/XX/XXXX my mortgage loan will be transferred and serviced by XXXX XXXX  XXXX. My loan was sold to XXXX XXXX  XXXX and was reported on XX/XX/XXXX to the above credit bureaus as, " Account closed and paid. Account transferred. Remark added. " I constantly keep track of both my credit scores and credit reports and noticed that on XX/XX/XXXX my scores had dropped by 16 and 15 points respectively. I first contacted XXXX XXXX and inquired about what the " remarks '' were as indicated on my report. They told me they did not know and to contact the two credit reporting co. 's. I contacted them by phone on XX/XX/XXXX. I spoke to 2 individuals at XXXX XXXX and 1 individual at Equifax. Equifax did not have an answer and told me to contact my Mortgage Co.. XXXX XXXX told me it was because of, " the length of time of the account ''. I have been paying this particular mortgage for 2 years and 8 months and as indicated on both co. 's. credit reports my credit is perfect with them as is all my other creditors. My credit scores are consistently in the 700 - 800 range for many years and i work hard to maintain that. I went online to Equifax and XXXX XXXX website and filed a dispute but the problem I have with both is that there system will not let me be specific in my complaint and will not allow me to type a complete description of the issue. 
My credit scores were lowered because of no fault of my own. In fact in theory my credit score should have went up. An account that was in excellent standing and was closed and paid in full by my creditor as was their choice and is not at this time being shown that it has been replaced with a new lender on a new account is a plus in credit and credit score calculations.
Consumer complaint received 2020-08-14
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. (LA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$9300.00} XXXX   XXXX XXXX {$2500.00}
Consumer complaint received 2020-06-16
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: Granite Edvance Corporation (MA)

Hi, please help me with my concern. I saw XXXX XXXX XXXX on my credit report and I have late payments ( XX/XX/2019 and XX/XX/2019 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
Consumer complaint received 2020-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I was charge {$180.00} for rental sevice that I never recieved the rental. So I went through an online service called XXXX. Also, I have reached out to XXXX and they will not refund me back the money. I send over all the documents to my credit card company Capital One to dispute this. That everything was canceled and that I never pick up the rental. They are still charging me for service I never received. I believe this isn't fair charging me for service I never received.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

In approximately XX/XX/XXXX, I cancelled service with XXXX ( XXXX XXXX XXXX ). I called their customer service number, and their representative told me that they would send out a box for me to return the equipment. I never received their box, so their equipment remains ( waiting ) in my garage. In XX/XX/XXXX, I noticed a credit item for {$99.00} that was related to the XXXX equipment. I called and asked if I owed them anything for their " service '' and they told me that the {$99.00} was related to their equipment. I explained that I still had their equipment, and if they would send a box, I would be happy to return their equipment. She told me that they show that they sent a box out a long time ago, but they could not give me a date. I disputed the {$99.00} on all of the credit bureaus and they removed the charge. Now in XX/XX/XXXX, I have a credit item from AFNI , Inc. for {$560.00}. The original creditor is listed as XXXX XXXX XXXX, it happens that it is related to the XXXX equipment. I am still happy to return the equipment, but they seem more intent on charging for the equipment than sending an additional box to collect it, or having a service tech stop by. I didn't owe XXXX XXXX XXXX {$99.00} for their equipment, and I don't owe their collection agency {$560.00} for the equipment. They are welcomed to send a box as they promised but I did not receive, or send someone out to pick up the equipment. At this point, everything that they are doing is simply punitive. Their reporting to the credit bureaus has zero to do with my payment history.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not give these companies written or verbal approval to Inquire on my credit profile. I don't have any knowledge of these transactions. These companies are in violation of my rights and would like these inquiries removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch (CA)

Geneva Financial ( found on web when searching for the number in message ) is cold texting me to discuss my mortgage. I do not know this company and have never solicited this company or their associates, to the best of my knowledge. Im not sure if its a scam or ill conceived advertisement but the tone of text is vague and worrying. 

XXXX with XXXX XXXX  here. 

Prior to making your XXXX mortgage payment please give me a call at XXXX. 

Please have a mortgage statement handy when calling in. 

XXXX XXXX XXXX XXXX Received XXXX XXXX Please have a mortgage statement handy and give me a call priior to making your XXXX Mortgage payment at XXXX XXXX XXXXXXXX XXXX XXXX Received XXXX XXXX Both from ( XXXX ) XXXX
Consumer complaint received 2020-08-14
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (TX)

I refinanced my student loans with SoFi in XX/XX/XXXX. The loans were originally federal loans held by XXXX XXXX. The amount refinanced was {$31000.00}. 

At the time, SoFi aggressively marketed their loans, advertising that they could save customers thousands of dollars with their lower rates. They never clearly communicated to me the risks of losing the benefits that could potentially be offered by the federal government : for example the recent laws passed and executive orders signed granting relief from payments and accrued interest, and the possibility of student loan forgiveness. This information may have been in the fine print, but they did not make efforts to make it apparent. I reviewed all the email communications I received when initiating the loans and this information was not presented.

SoFi is now adding this kind of disclaimer to their marketing efforts ( see attached ). This disclaimer is now on at least one of their websites : " NOTICE : Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until XX/XX/XXXX. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans. '' SoFi is allowing some forbearance ( 60 days ) now but they are not halting the accrual of interest ( see attached ). 

I believe that by not explicitly warning their customers about the risk of losing these benefits they are engaging in predatory lending practices.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IA)

I have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the companies. They stated that a dispute needs to be filed with equifax. Factual record of file access is not factual when its fraudulent inquiries. FCRA states that the CRA must investigate any inaccuracies reported on a consumers credit file.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

We started working with XXXX XXXX of XXXX in XXXX to secure financing in advance of finding a vessel after we sold our existing vessel. 
We gave them all of our financial info, credit scores, etc. and requested no hard inquiry on credit bureaus until we actually sold our boat and found the new boat we wanted. 2 weeks ago we sold our boat, and found the boat we wanted. We were XXXX and XXXX credit scores, we are putting 50 % down on the new boat, have plenty of income and no debt. One 5 year boat loan that has always been paid on time and will be paid off in 2 years. 
We were informed Monday XX/XX/XXXX that nobody would touch our loan because we pay everything off monthly, we have no debt, and theyve never seen a credit history like ours before. 
We secured financing from our own credit union that day. I was mad but we moved on. 
Now we are getting hard inquiries days later and my credit score has dropped XXXX points. Why would that be happening after they told us no one would touch us and weve moved on?
Consumer complaint received 2020-08-14
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. (CA)

This is regarding TransUnions Response to my CFPB Complaint ID XXXX submitted on XX/XX/2020 regarding my mortgage account, XXXX XXXX, which TransUnion responded by correcting the errors on my credit report as of XX/XX/2020 and closed the complaint. 

However, TransUnion overlooked one item on my XXXX  account that was not corrected : In " Terms '' - it still reports the word " Deferred ''. Therefore, TransUnion needs to correct this error by deleting the word " Deferred ''. 
Delete DEFERRED thats still reporting under the TERMS Section on my report. I have attached my TransUnion credit report dated XX/XX/2020 to show this error. 
I have also attached my CFPB Complaint ID XXXX to show TransUnions Response on XX/XX/2020 which reported the following -- - We received notification from XXXX : The following have been updated : the payment history has been added from XX/XX/2020 to XX/XX/2020, the balance updated to {$700000.00} and the creditor remarks PDE ( payment deferred ) and AID ( account information disputed by consumer ) have been deleted from your TransUnion credit report. 

I hope to receive an immediate response to correct the above error as this will finally clear my credit report of all inaccurate information on my XXXX account. I thank you in advance for your time and effort in concluding this matter.
Consumer complaint received 2020-08-14
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. (OH)

This is not my account. Please provide verification, method of verification and validation f debt. There are errors in this account it has no " late payment dates ''. Please remove ASAP. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-11-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

I am a closing attorney. I handled a closing for a client in which a manufactured home was also being conveyed. Shellpoint Mortgage is the holder of the mortgage on the manufactured home. They admit the lien has been paid. They stated they sent a lien release to the seller for my closing, but South Carolina law requires the release be sent to the SCDMV. I cited the law to Shellpoint and have provided ample opportunity for them to remedy their failure to comply with South Carolina law. They refuse to take any further action or to comply with the legal requirements of the SC Department of Motor Vehicles. My communications have been with XXXX and was told by whoever monitors this email address ( no signature included in their email ) that I would need to direct my inquiries to the Shellpoint customer only.