davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (FL)

At the beginning of XXXX XXXX saw an ad for a XXXX XXXX XXXX XXXX XXXX on a classified website called XXXX. I texted the number listed and talked to the guy selling the item in North Dakota. I told him i would pay for shipping as well. After going back and for on buying the machine i decided to buy it on the XXXX of XXXX. He suggested XXXX through XXXX to send him the money. I said ok, since he already sent me a video of the item and i talked to him on the phone to arrange the payment. After i sent the XXXX via XXXX, i tried to arrange a shipping date. He kept making excuses on why he was not going to be home. He even said he damaged the machine a bit while moving it and so on. I thought i had a date finally set, but then he had another excuse come up and was not able to be home. With 2 weeks already gone by, i finally said give me my money back. He never contacted me back after i wanted to get my money back. I contacted my bank and submitted a report in to my local police who should have contacted the police in XXXX North Dakota. I am including the transaction number of the XXXX transfer and all my text messages. I also have the negative response to my request with Suntrust bank to get my money back. 

My Bank said they could not do anything since the Moneytransfer went through. This does not make sense to me because it is not the matter of the money transfer actually working, it is that it was that i never got the item i was paying for with the money transfer This is a simple case of Fraud and i thought i was protected form that with my Bank.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

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

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

In XXXX I was manipulated at a store in XXXX by an employee that lied to me about what the interest was on a credit card. I opened it and the employee told me they would mail the card, I could pay it off online and that would be that. They never mailed the card. Without the card allegedly I can't close the account, and I can't pay online. I mailed my payments in on time all the time, but starting in XXXX they started saying they were not getting the checks or that they were late. I know that I am mailing them in on time, I just want to close the account. I feel they are not letting me pay online because then they can always charge me the late fee. They now call me at all hours of the day, for my last payment I just included the late fee because I know how they operate. 

I am the sole provider for my family and I do not have the money to keep paying them what I am. I have told them on multiple occasions I am having problems with my phone and that is why our calls keep getting cut off but despite that they keep throwing me around. I have asked them to mail a card, I have asked them to change the spelling of my address because it is wrong, but they just want to keep taking money. 

They are ruining my XXXX XXXX by saying I am making late payments, which I am not making late payments they are waiting to cash the check. I know when I am mailing them. At this point i just want the account closed. I know that I opened the account at Commenity Bank in the XXXX Florida area and made XXXX and only XXXX charge of about XXXX give or take. 

Since that I have never used the card because I never got it in the mail. I have no ability to cancel it and I need help. At this point the interest is equal to double my original charge. I am not sure what my next steps should be. They are not very nice on the phone, and I just want to close the account, I see that at the bottom you have a place to attach documents I am not a rich person so I am not sure how to do that.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Onity Group Inc. (RI)

XXXX XXXXXXXX in XXXX RI sold my mortgage to PHH XXXX XXXX NJ on XX/XX/year>. I had no choice in this matter and a bunch of mortgages were sold. 

1 ) The day the sale went through, XX/XX/year>, my credit score plunged XXXX points. It still has not come back up to what it was. 
2 ) I received a letter of Delinquent Property taxes from the Town of XXXX RI which is where I live. Property taxes were due on XX/XX/year> and they have not been paid. In a few days the XXXX of XXXX will be charging me daily penalty fees if these taxes are not paid,. I have an escrow account with PHH Mortgage that was transfered to them by XXXX  XXXX. This account has close to {$5000.00} in it. I have never been late with a payment to XXXX XXXXXXXX or PHH mortgage. 
3 ) I have pleaded with both banks to resolve this matter. I have been trying to get this resolved for a while and provided PHH the letter of deliquency a week ago.. Neither bank will pay the property tax which is approx {$1700.00}. I have paid for the taxes already via escrow. PHH still says they are not liable for taxes due before XXXX. XXXX XXXX says they are not responsible for anything after XX/XX/year>. Lots of other people in my town are experiencing this exact issue because their mortgage was also sold to PHH. I believe PHH is at fault but don't really know how all this works. Please help! 
Thanks, XXXX XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IL)

REgions bank just frozen my funds on my checking account on XXXX XX/XX/2023, so i can not move it... i have tried to reach them via online channel but they do not want to help me, i can not visit branch cause i have issues with my health! i opened online banking so they should resolve my issues via online channel as well!
Consumer complaint received 2019-07-05
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-07-05
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; SOUTH CAROLINA XXXX XXXX ;
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (PA)

Exeter finance had first date of delinquency as XXXX-XXXX  then so they could keep this account on my credit report longer they changed it from XX/XX/XXXX to now XX/XX/XXXX. This violates my rights under the fair credit report act as I was late since XXXX-XXXX  and Never brought the account current. I did defer some payments after the fact of being charged late fees as my account was still considered late. This company has already ripped me off of charging me 32000 or more and still trying to collect almost {$15000.00}. They are a scam and I want this removed from my report as they cause me damages and have them fined
Consumer complaint received 2022-05-06
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Beginning on   X/X/17  a  nd two other sub sequent times, Bank of America prepared loan documents requesting my husband sign documents when he was not on the mortgage application. When I brought the error to Bank of America 's attention, I was told that this was their practice and that my husband needed to sign on the note. When I continued to question this practice, I was told that this was correct and I needed to sign loan documents with my husband on the note even though he was not a borrower. After pushing back, I was told they would correct the documents ; however, af ter 2 other at tempts to sign loan documents, Bank of America failed to properly correct the loan documents. Afte r 3 faile d attempts to sign loan documents, with the incorrect borrowers being named, I decided to cancel the transaction. The stress in dealing with this caused me to miss 3 days from work. In speaking with a supervisor 's supervisor,  XXXX   XXXX , on   XX/XX/XXXX  I  was told that they would refund my appraisal fee for the inconvenience caused. T  oday,  XX/XX/XXXX , I was told they will not.
I wonder how many other borr  owers Bank of America has misguided into signing incorrect loan documents.
Consumer complaint received 2021-02-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NC)

XXXX XXXX of Caliber Home Loans promised me a {$250.00} XXXX gift card if I refinanced my mortgage with them. He promised an email containing this once I lock in my interest rate. This email never came. I asked XXXX about it and he was not much help, multiple times on XX/XX/XXXX and XX/XX/XXXX. I emailed his supervisor XXXX XXXX on XX/XX/XXXX per request of XXXX with no response. I emailed XXXX again about it XX/XX/XXXX with no meaningful response. I feel that they have lied to me to get me to enter into a financial product for their gain.
Consumer complaint received 2019-07-05
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was looking for tickets to a particular concert that had been sold out. Someone came forward offering tickets for a reasonable price, but wouldn't let me pay using something that had pay-protection. I said alright, and sent half the money. The recipient told me to wait a little bit and I haven't been contacted since. Given the payment wasn't supposed to go through until tomorrow, I was under the assumption I would be able to cancel it but that was not the case.
Consumer complaint received 2019-07-05
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX  HIGHR EDU XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It has come to my attention that Transunion may have been inappropriately using my information for solicitation purposes or to create negative informationon my credit report. I recently have received several calls from numerous solicitors and potential creditors which not only interrupt my work day but are received at very inconvenient times of day and evening. One specific company that shows on my voicemail is " client services '' and after doing some research online I became aware of legal actions and issues in regards to Transunion for " dark pattern '' practices and misusing consumers information. I may be a victim of said action.
Consumer complaint received 2019-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services (IL)

On XX/XX/2017, I applied for a car loan at Mercedes of XXXX, IL. The dealership ran my credit. I got 7 hard inquiries toward my XXXX credit report. However, I was never notified by my salesperson or financer that they would be pulling it that many times. I was under the impression my credit would only be pulled once. I would like to address this immediately and find a solution to how it is that I can get the hard inquiry remarks removed from my report.
Consumer complaint received 2019-07-05
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Autovest, L.L.C. (MI)

7 years ago XXXX  my husband and I got a vehicle and we separated but we both paid it off but the company name Autovest sold it to another third party and been harassed me made me Loss my job back then the company let me go then auto vest started garnishing me to my income taxes twice state and my saving checking and my 401 when my bank open up my account to them they took my federal to the beginning was XXXX now they say XXXX after taken my checks and savings and checking XXXX state XXXX each then federal tax XXXX they would tell the judge the interest and she believe them and allowed them to continue taken 100/ % of my money each year and every two weeks and I also paid them money orders that got caught in a house fire and burn after my mother XXXX from XXXX and leaving me my XXXX kids nothing to survive on no food nothing. Please help us
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (DC)

I received an inquiry from an bank pertaining to my credit but I have never contacted nor spoken to anyone from the bank nor have I filled out any information online stating that I authorized anyone bank to pull my information and check my credit for any purpose. I was a victim of identity theft so this can also very be the same situation due to the fact of my information still being stolen. I received the notification via email through credit karma alerting me that there was an new inquiry on my credit report. In which my information was falsely used without authorization.
Consumer complaint received 2020-12-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (AZ)

XXXX I received a debt collector called my phone and claimed to have a debt I owed on. They provided a social security number and date of birth and address and said I verified into to my account and started speaking about a medical debt. I know they arent allowed to give personal information to any third parties and need to verify it is the debtor before providing any information. I asked to speak to a manager who refused to talk to me till I provided a date of birth or last four of my social. When I told them that the date of birth and social security I was given by the representative were this, he told me I have to just say it and not that the representative told me it or he wouldnt help me and he hung up on me. This clearly shows they know it was wrong and a breach of the fdcpa and hipaa laws. I asked for a signed third party consent form signed by me and they told me they didnt have that either which indicated they are illegally holding medical information according to hipaa regulation. The compliance officer XXXX told me he had to request that info which and he defended the representative and provided all of the personal information again saying hes allowed to arrogantly. When I told him that personal information is enough to verify into a bank online and he is putting peoples identities at risk he arrogantly mocked me and told me I need a better bank. He also said hed block me from calling in at all after I told him Id call and escalate this. They refused to provide me their address and blocked me.
Consumer complaint received 2019-07-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NV)

PLEASE FIND ATTACHED THE TRANSACTION DETAILS IN A LETTER HEREIN ATTACHED THAT I RECEIVED FROM WESTERN UNION CONCERNING MY TRANSACTION, INFORMING ME THAT MY MONEY WAS READY FOR PICK UP. I RESIDE XXXX XXXX, NEVADA AND AM ON A BUSINESS/VACATION TRIP IN XXXX. UPON ARRIVAL AT XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX IS ONE OF THE AGENTS FOR WESTERN UNION, IN XXXX, XXXX AND WHO i BANK WITH. 
WHEN XXXX COULD NOT VALIDATE THE XXXX NUMBER REFERRED TO IN THE LETTER SENT TO ME. I CALLED WESTERN UNIONS  CUSTOMER SERVICE, I WAS TOLD THAT THE MONEY WOULD NOT BE AVAILABLE FOR SEVEN DAYS. UPON SPEAKING TO THEIR SUPERVISOR, I WAS TOLD THAT THEY WANTED TO CREDIT BACK MY ACCOUNT IN THE U.S. IN BREACH OF THE INTERNATIONAL TRANSFER THEY DEDUCTED MY ACCOUNT IN XXXX XXXX AND IN DIRECT CONFLICT WITH THE TRANSACTION LETTER THAT IS LEGAL TENDER THAT I WAS HOLDING, WHICH THEY HAD SENT TO ME THE DAY BEFORE. MY SITUATION IS THAT I TRYING TO RESOLVE THE FOLLOWING ISSUES WITH THE TRANSFER I MADE. 
1. I HAVE HEALTH ISSUES 2. I HAD A BUSINESS ARRANGEMENT THAT I WAS COMMITTED TO THAT HOLDING MY MONEY WOULD PUT ME IN BREACH OF.AND THAT HAS NOW MADE ME LOSE MY DEPOSIT. 
3. I HAVE A NON REFUNDABLE TICKET THAT HAS A TIME FRAME WITH SPECIFIC SCHEDULE OF DAYS TO SPEND IN XXXX. 
WHO WILL THEN BE LIABLE FOR THESE SITUATIONS THAT THE DELAY IN GIVING ME MY MONEY IS CREATING? 
IF THERE WAS ANY CONCERN FROM THE ONSET WHY DID WESTERN UNION NOT JUST DECLINE MY TRANSACTION.? 
I INTEND TO HOLD THEM LIABLE FOR EACH SITUATION AS IT MAY COST ME IN MY NOT RECEIVING MY MONEY FOR THE TRANSACTION I PAID THEM FOR AND WHICH THEY CONSENTED IN WRITING AND GAVE ME A LETTER CONFIRMING..
Consumer complaint received 2019-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I recently received a garnishment on my pay for a debt I know nothing about. I never received a summons to appear in court but i have had a judgement brought against me by a debt collector Asset Acceptance LLC. According to the documents I received from my employer about the garnishment the following was were the terms of the judgement : Principle : {$2100.00} Interest : {$6300.00} ( and accruing ) Attorney Fees : {$530.00} Court Costs : {$250.00} Again, I have no idea what this is for nor did I received a summons to court to dispute the claims outlined in this collection of debt.