davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (PA)

On XX/XX/XXXX, at around XXXX XXXX, a former boss sent me a XXXX message and after the usual hello etc, she asked me if I could help her send money to a friend in the XXXX and she'll pay me back through my checking account, that night once, they are done having dinner.. Trusting her and after sending her picture with her grand daughter, I sent the money for {$800.00} plus fee of {$7.00} under Trans # XXXX. After that, I got a text again requesting for an additional amount of {$800.00} and I said, I have to wait for the payment before I send another one. Then I saw a regular text message above my cellphone warning me that the account of my friend, XXXX XXXX, has been hacked and not to send money. But it was too, late, it has been picked up by XXXX XXXX. I called XOOM, where I remitted the money and was advised to make an affidavit. The next day, I was informed that it has been denied because I was the one who did the transaction. I told them it was an honest mistake not knowing that my XXXX  account and that of my friend in XXXX XXXX has been hacked that day. I sent two appeal and was denied again. That same Day, XX/XX/XXXX or early XXXX XXXX, I got a call from a close friend from XXXX XXXX, XXXX, XXXX, and my friend, XXXX XXXX, sent me money because according to him, I texted him through XXXX, requesting for {$1000.00} which I did not. He sent the money through XXXX, but after 3 days, he was refunded by XXXX. The hackers tried other friends of mine, but was not successful, enough. That night, I closed my Checking account and also my credit cards because they even tried to change my profile in my XXXX XXXX Account, and they tried remitting {$900.00} from my credit card. but I was able to call XXXX XXXX to close my credit card. I wrote a letter to the CEO of Xoom in XXXX XXXX, and also XXXX CEO, and COO, but up to now, XX/XX/XXXX, I have not received any reply from them, requesting for a refund for that small amount.I have been a customer of Xoom for almost 8 or 9 years and this is the first time I encountered this impostor through my XXXX Messenger Account. XXXX should also be held liable on this because they are not protecting their members. I hope your office could help me get the refund for my money and also for my sleepless nights after and mental anguish I suffered because of that incident. Thanks you so much.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I am trying to inquire with Ditech - " XXXX XXXX '' about how they are calculating my monthly payments which will change - adjust on XX/XX/XXXX. I have calculated the amount myself and with other mortgage companies. they are charging me {$1200.00}, and I have calculated a mortgage with {$1100.00} for a rate of 4.0 % {$190000.00}, - which is almost {$500.00} dollars more than what the loan amount will be at the time of the adjusted rate from 3.5 to the new rate of 4.0 %. So, my monthly P and I should be lower than both. Clearly they are overcharging me. I have called, and been hung up on after having a rep put me on hold for 20 minutes twice, and then she hung up at XXXX XX/XX/XXXX. I am about to get legal counsel, and form a class act as I can see I am not the only XXXX with this problem. I have called again, they will not transfer me to a supervisor, unless and continue to give my own personal information, of which has not helped in the past. I have asked XXXX XXXX, supervisors XXXX , to give me one good reason, why I should give my personal info any further, as I am personally now invested in protecting my own security, since they have been fraudulent, and not trustworthy. They have no answers for me, but please " hold '', " Bear with me '', and " im working on it. '' They also state I must give more personal info to talk with a supervisor. Please advise, as I will be consulting with my attorneys next week. <P/>Thanks. <P/>Ps. this is by far not the first horrible experience I have had with this company, and am looking forward to a Class Action Law Suit.
Consumer complaint received 2022-08-29
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. (MN)

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : 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 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 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
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

About one month ago I noticed a {$50.00} charge that turned out to be a recurring charge that was not done by me nor authorized by me. I contacted Capital One and spoke to a representative who assured me that the charges which had been occurring against my card to a place called XXXX would be stopped because she would cancel that card and send me a new one. She also assured me that all those {$50.00} charges I would not be responsible for since it was fraud. Two weeks later I did in fact receive a new card and called to activate it, put it in my purse and assumed that was the end. Today XX/XX/2019, I received a new statement which I was horrified to see the charge continues to be there. I was very upset so immediately contacted Capital One again and I explained that this should have been taken care of and the gentleman I spoke to seemed really confused said he would do everything he could to help me but kept talking on and on about nothing that made sense. I kept telling him I got a new card so how could this happen and he asked me you actually have the plastic with you? I thought that was a strange question and I began to get impatient with him so he transferred me to someone named XXXX after putting me on hold at least 3 times. When XXXX comes on the phone he said he would cancel the card for sure but that I would have to wait 90 days to see if they would remove the charges from my account. I was furious. I told them that it was not a charge that was mine so why do I have to pay the price for their negligence ... .this was not my charge but yet they wont remove it from my account or the accumulated interest on that charge ... .I never heard anything like this. I am appalled that they could do this to unsuspecting customers. I told him that the right thing is for them to remove those charges immediately plus accrued interest charges and he told me no they would not do it. Is this legal? Please help. 

They could not answer the question of why they sent me a new card and the charge still showed up on the following bill. How is this possible?
Consumer complaint received 2022-08-29
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (KY)

Sent XXXX letters to all XXXX credit bureaus on validation of this debt nothing has been validated at this time sent letters to LVNV funding LLC on XXXX XXXX 2015 nothing has been validated at this time
Consumer complaint received 2021-08-23
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (VA)

Bridgecrest XXXX XXXX account number XXXX was paid off on XX/XX/2022. 
Three times payments on XX/XX/2022 for pay off. 

Payment confirmation numbers XXXX, XXXX and XXXX. ( see attached files ) Everything paid off, bridgecrest should update Paid off information to credit bureaus and should delivered title to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to contact to Bridgecrest but they dont pick up phone call. 


XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (WI)

To whom it may concern, I am looking to file a complaint against the company Wayfair. This morning I called the company to pay my bill for this month. Which was due XXXX I mistakenly thought today was the 7th and immediately attempted to rectify the situation. Upon calling and speaking with a representative I was informed I'm 2 months behind on payments with 2 months of late fees. This completely blind sided me because I had called and paid last months bill, due XXXX and had received the email confirmation from the company regarding the payment. She tells me that the payment for XXXX was returned, and I was charged a fee for that, the late penalty, etc. She also claims the company informed me of this action. To which I told her I had not been contacted in any manor. No phone calls, no emails, no paperwork in the mail. Legally I believe they're required to notify customers of such events taking place. I have all emails of every payment made to this company as well as all paper bills sent via postal service. How do I proceed? With these issues the amount owed has now gone up by {$150.00} and the date to have the account paid off before accrued interest takes affect is in 2 months. 

Thank you for your assistance
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

XXXX refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXXXXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a XXXX rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because XXXX and NCS is publishing inaccurate information on my credit reports. 
And asking NCS and XXXX  to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.
Consumer complaint received 2022-09-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: OS National, LLC (TN)

The only action taken from this company is that its not their responsibility. I closed on my house which was brokered by XXXX  XXXX and sold from open door. I reached out to them many times to try to resolve the issues. I signed a lead paint disclosure but never a led pipe disclosure. Our house is filled with lead pipes. The disclosures stated nothing was wrong with this house. My agent XXXX XXXX told me the house had all new plumbing. Obviously a lie. The broker from XXXX XXXX and my agent waived my right to an inspection and gave me report from the buyer who backed out. The home inspector left out the led pipes, the mice infestation, the rotted wood, The faulty electrical, The asbestos ceilings, the asbestos insulation which the covered up with fresh cotton bating insulation. The landfill in the backyard from the people who remolded the house, The fact that a horder lived here before me. I honestly have no idea how much all these repairs will take to finish. But the disclosure statement I received from them mentioned none of these things. XXXXm seeking damages not just for repairs but from negligence & emotional distress. For the lead contaminated water my young children used to shower in, brush their teeth, For the unsanitary conditions we have been forced to live in. The mice ended up chewing the fuel pump line on our XXXX XXXX  and we had to buy a whole new work truck. Im seeking the full amount of cost for the truck. My children father hasnt been able to work this year as usual because we have been working on this house non stop so it can be livable for children. Given we own our company and he is the only employee we lost many customers. Im seeking damages for lost wages for 2022 of {$220000.00} dollars plus damages for the long standing customers who will no longer use our services of {$170000.00} per year for the next five years. My initial offer for a settlement is {>= $1,000,000} ; total.
Consumer complaint received 2022-08-29
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2019-02-02
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. (FL)

I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WorldRemit Corp. ()

Good evening On XX/XX/2019, i made a transaction of {$1000.00} usd to my cousin. 

She didn't worry to pick it up and the cash appeared active until the month of XXXX. When I reach my country and find out from financiera Supergiros which was the intermediate company, they said I must contact World Remit for them to refund my money. 

What procedure I should go through for that
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-23
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX