davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Moneygram international is discriminating against me and my family in their respective countries of residence at this moment.At the federal level moneygram violates DODD-FRANK the law of the land in the United States.Additionally my state, California has a much more strict interpretation of DISCRIMINATION in the provision of financial services available to the public at large.This offense according to my governments is one and possibly the most serious offense a financial company can commit.It is in a class of its own and is far more serious than theft, for example. 
On XX/XX/XXXX Moneygram denied a transaction between me and my step-son XXXX, a transaction of XXXX dollars from XXXX XXXX XXXX to XXXX XXXX, XXXX, where my son XXXX is employed as an XXXX XXXX XXXX, XXXX XXXX. 
Afterwards in a call to moneygram they explain they are following some nebulous law of either country..moneygram will have to prove this. 
Moneygram instructed CVS via computer to not process the transaction.there were photos taken of the computer screen which are listed but not attached in the accompanying attachment. 
REGARDLESS of any CFPB action in this complaint or criminal action on the part of XXXX   AG ... .I am bringing a well thought, well planned, well -evidenced civil action against Moneygram intl prior to the 1 year statute expiration and plan on being represented byXXXX an international llaw firm who will stay with this case to the Supreme Court level if need be.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX Has an account open for the amount of {$460.00} and I have tried in every possible venue to solve this situation with the company and they refuse to work with me. I have spoken to them several times and I have disputed this item several times with the credit bureaus and have not been able to get it off my record. This debt is not mine and Im not responsible for it. It's mind blowing how they are trying to make me pay for something that is not mine and worse they reported this to the credit bureaus and it's creating some deep damage to my credit. I was left with no choice and I have placed a fraud alert on my credit reports in order to avoid this situation from happening again.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the XXXX data breach.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NM)

My information was stolen when the data breach occurred and I had my credit report Frozen as per the identity theft.gov website. 

I have been trying to get my Equifax credit freeze lifted and can not successfully interact with a company. 
After I answer the challenge questions and identify what the issue is their computer system forwards me to a customer service representative at a toll free number ... the customer service representative ask me the same challenge questions that computer did however they go on and ask additional questions that I can not answer.. The attached letter that was subsequently notarized and sent to Equifax via certified mail explains this. 

I need to have this credit freeze permanently lifted so I can continue on with my life
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I have been disputing Interest fees from commenity bank for credit line from XXXX XXXX since XX/XX/2015. The furniture cost {$4000.00}. I have paid {$4000.00}. However, they continue to charge me interest and fees that have totaled {$4900.00}. 
The charge is inaccurate, false, incorrect and I refuse to pay this. They just keep charging me despite me disputing this charge. XXXX has even confirmed these charges are inaccurate. I need to crease these charges immediately as it is drastically impairing my credit. This cant be lawful or just. Please help me with this I dont know what else to do. 
XXXX XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/2022 I showed up at the branch located at UNION BANK  XXXX XXXX XXXX XXXX, CA. XXXX. I had an appointment scheduled at XXXX XXXX, I arrived at XXXX XXXX When I sat with the personal banker, she began the process of opening an account. I provided all forms of Identification and a name change decree, provided by XXXX XXXX XXXX. The representative refused to open the account in my LEGAL name because my new Identification cards had not arrived in the mail. I continued to ask her to please refer to the legal document and use my legal and birth name. I even offered to show her my birth certificate which matched the name change decree, but she continued to refuse. I agreed to open the checking and savings account in my former last name. About 30 minutes later, she informed me that she was unable to open the account. I asked her why and her response was, " I don't know, it just denied it. '' I continued to ask her to provide me with a reason as to why I was denied and she refused. I left the bank and called my lawyer. He informed me that they are legally required to tell me what is preventing the account from opening. I returned to the bank and requested another representative tell me why I couldn't be approved. She refused to tell me as well. She handed me a paper with the XXXX phone number on it and suggested I call. I explained to her that I had already called them and couldn't find any information as to why I was denied. I asked to speak to a supervisor and she said there were none in the bank. I left.
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. 


Belk XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. 

Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. 

XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**
Consumer complaint received 2024-02-29
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. (CA)

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 XXXX # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I tried to make an additional principal payment online with my mortgage company. They charge {$7.00} fee for online payments because I am not enrolled in paperless statements. They took over my mortgage from the previous company ; I was never enrolled in paperless statements. I must have monthly paper statements. I am enrolled in autopay, just as I was with the last and original mortgage company. There are no additional charges for being enrolled in autopay. The fee charged for online payments is unnecessary as it is inconsistent and an unethical business practice to charge monies for legally paying down a fixed mortgage early whether online or by papery check.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mom is XXXX and has late onset XXXX. I have a letter from her doctor that states that she is not to make any financial decisions. 
Because of this, I am her POA. Twice now, starting 2 months ago, XX/XX/XXXX, I sent the POA document to Bank of America. My attorney looked it over, and said it had the correct language of cease and desist as they shouldnt communicate with her and deal directly with me. The company has this letter, twice, and are ignoring it. 
I have talked with a representative at the local branch, and have only been told that my information has been received. 
They have ignored that I am POA, attempting several calls to her, and yesterday got my mom to pay XXXX dollars over the phone. She has no money, and now her checks for her basic needs will bounce.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account this all hard inquieres : - 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 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 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 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 2019-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (DE)

This issue has been happening during last two months for at least 11 times. My credit card is the Chase Sapphire Reserve, whose annual fee is {$390.00}. The first time when I used it is in the XXXX Airport in the XXXX XXXX Koisk, I was trying to pay the luggage fee, I tried at least 10 times and even the XXXX XXXX service representative also helped me to go through, but still have problem to pay. It took me 20 minutes and I have to use another card and it works. Since the Reserve have 3 % cash back for traveling, but it doesnt work in Ariport, very weird and I feel Chase is pretended for me to not use in the 3 % category transaction. This issue also happened when I was trying to use in my local ice cream shop and even buying a French Fries, all happen in the 3 % category transaction. Since I can still use it for the other places and doesnt have this issue. Sometimes it shows a processing error and when I used another card, there is absolutely no issue at all. I feel so disappointed and frustrated since I paid {$390.00} per year but I even couldnt successfully buy an ice cream or fries in local stores. This card is always my top credit card in my wallet and sometimes I only carried this card in my wallet. Since this card cant go through, I even have no way to buy food! The {$390.00} annual fee doesnt worth its value. I think Chase is cheated on me even for its very basic value/function. I questioned that if I paid {$390.00} per year but cant even use my card successfully, this doesnt make any sense. Another thing is : the Chases customer service is soo poor, I wait for 12 minutes to connect with a representive.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

I purchased 4 tickets through XXXX exchange. I transferred the money through 2 transactions of {$360.00} each for a total of {$720.00}. I sent the money using XXXX which is linked to my Chase checking account. When I tried to use the tickets I learned they were not real. I consider this fraud and/or false pretense transaction. I contacted Chase and they refused to assist me saying only that I needed to contact " the police. '' They said that they did have the information of the recipient of the funds but would not share his information. I also contacted XXXX and they said that they would not assist me. They explained that they detected fraudulent activity on the account, removed the tickets on my account, and then listed them again to a new seller. They never told me that they were removing my tickets despite having my contact information. I learned this after the fact.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NJ)

XXXX XXXX sent me a final bill for services and agreed to waive the early termination fee because I was moving to a location that did not allow satellites. They never waived the termination fee as agreed. I paid XXXX {$530.00} for my last month of service and early termination. XXXX then sent my account to collections ( Receivables Performance ) stating I owe {$800.00}. I don't know where they got that balance from and why it was ever sent to collections when I paid XXXX directly in a timely fashion.
Consumer complaint received 2022-08-26
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. (MO)

I have noticed that XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Consumer complaint received 2022-06-15
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. (PA)

submitting this complaint against EXPERIAN there is no third party involved. EXPERIAN dBA ' EXPERiAN INFORMATION 'SOLTIONS INC , has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND EXPERIAN TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. EXPERIAN is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which EXPERIAN failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors (RI)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in a loss of credit rating. Also, they failed to provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws
Consumer complaint received 2022-06-15
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. (MD)

I have over XXXX credit inquires on all 3 credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (FL)

Transuion inquiries XXXX XXXX on XX/XX/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 XX/XX/XXXX i have reached out to all these creditors also transuion a few times about this matter nothing happens the last i spoke to transuion about this i was told to put it in writing i did and they still reporting on my credit report those was fraudulent attempts and wasnt me
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : {$9700.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (OH)

XXXX XX/XX/XXXX, for XXXX XXXX XXXX  XXXX sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

submitting this complaint against XXXX, TRANSUNION, XXXX and there is no third party involved. XXXX XXXX ' XXXX XXXX XXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX XXXX and I'm sending this complaint the current issues on Credit Report. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX, XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX : {$9700.00}