davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

XX/XX/20 - Sent {$2200.00} plus finance charge of {$88.00} via Walmart 's moneygram. 
Followed procedures online Received an email XX/XX/20 @ XXXX XXXX   ET stating the transfer was sent successfully and that the receiver can collect $ at the expected designation ... .was given a reference # for the receiver. 

Contacted receiver who was in Maryland that she could proceed with trip to XXXX, PA the next morning and find a Walmart in XXXX, PA to pick up {$2200.00}. 

Receiver arrived at Walmart early XXXX. and was told that the transaction was on hold. 

I contacted Moneygram per the Walmart Associate and Moneygram quizzed me on why I was transferring my money, to whom it was going and for what purpose. I explained a friend was transporting a new puppy from a Breeder in XXXX, AL and delivering cash. I found the puppy the day before and realized friend could pickup soon and delivery to me in Georgia on XXXX. Sent $ for puppy and to cover friend 's travel expenses. Moneygram quizzed me on how long I've known my friend. 

Moneygram decides to cancel transaction and refund my money, but it would take another 3 to 10 business days. So, my friend had to take money out of her account and I had to reimburse her by taking more money out of my account on XXXX. 

Walmart/Moneygram - stated this transaction was received and $ available. They caused undue stress ( and during COVID!!!!! ) and falsely led us to believe that all was handled. 

I hope this does not happen to any others!!!! I feel my rights were violated and their advertising was false. Why didn't they ask these questions upfront before taking and holding my money? I still do not have the funds released. Our bank, XXXX XXXX, is aware and we are waiting to claim fraud if they money does not come through along with the finance charge. 

Please help! 

Thank you!!!!
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MD)

In XXXX NATIONAL CREDIT SYSTEMS INC. called and harassed me stating that I owed a debt, violating my consumer rights. I have never entered a consumer transaction with NATIONAL CREDIT SYSTEMS INC., and I have no idea how they have acquired my credit card ( ssc ), therefore has committed identity theft, by law. I have disputed this account over XXXX dozen times with all credit bureaus, once the validation of debt with my wet ink signature was requested. The bureaus noticed they had no substantial validation of proof. NATIONAL CREDIT SYSTEMS INC. sent a contract that did not have their information on it and also the contract did not have my signature anywhere on the document. This is what they have been damaging my credit reputation with, a unsigned document from a company that I have never given my credit card, nor permission to furnish my credit report. All bureaus except for XXXX has removed this fraudulent account. When I reached out to the company for remedy they would put me on hold and Hang up whenever I asked them about phishing for my information, or my information being sold to them.
Consumer complaint received 2022-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (GA)

I applied for mortgage assistance XXXX XXXX through XXXX  whom told me I am approved but needs homepoint to sign the agreement form. After months of calling trying to get assistance I was told the form was signed in XXXX however the XXXX  company stated that homepoint sent the agreement but not the W9 that is required to send back with the perticipating form. I am in fear of foreclosure due to this. The lady that was working on this same compl Said I cant call her about this matter. No one will give me a supervisor name and contact info to get this resolved. Homepoint is saying that they receive payments from XXXX  already for other accounts and dont have to do anything on their end. However XXXX  is saying that is for their sister company not homepoint directly
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 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 2022-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (NY)

XXXX continues to allow lvnv funding to reporting an 2 open collections on exempt funds violate the Exempt income protection act an account that is exempt from debt collection should not be reporting an open account or any account this is considered continuous collection on exempt funds and must be deleted at once
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUSTMARK CORPORATION (FL)

Over the weekend i receive 2 notices from 2 different banks that one account was open and the account is opt to receive over draft protection from Trustmark bank check account ending in XXXX. I called today and the security department closed the account and did advise there was no transaction due to the quick response. I have never done business or heard of this bank. Phone number i contacted was XXXX. The bank is sending me an affidavit so i can file a complaint with the FTC. Thankfully i was able to catch the fraud before it ecalated. 

I received another notification from online bank called XXXX XXXX bank located XXXX XXXX XXXX, XXXX, Fl. XXXX. Phone # XXXX. Someone attempted to open an account in my name from another bank and was not successful. I also reported this as well
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Fraudulent activity on account over a period of 4 months. Activity was not noticed as fraudulent due to the payment being listed under " XXXX '' in which I currently have an active credit account. I was able to review my active XXXX XXXX  account in which there was no correlation to monies being taken from my Wells Fargo being added to my XXXX XXXX credit account. Initial activity noticed on XX/XX/XXXX in which Wells Fargo was notified. I was able to go through my account statements and activity and noticed an ACH withdrawal for the amount of XXXX on the following dates. 
XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo was contacted with this activity in which all related dates were canceled and placed on " stop payment ''. Total amount of fraudulent activity was {$4.00}, XXXX taken from my account with knowledge or approval. The Wells Fargo rep stated the reference numbers used for the fraudulent ACH withdrawals were not common XXXX XXXX  reference numbers used. As of XX/XX/XXXX I contacted Wells Fargo to discuss the status of the claim in which I was informed denied being that transactions were not reported " promptly ''. This is egregious being the amount of funds stolen from me in addition to it being in fact confirmed fraud and will not issue a refund. I have been a Wells Fargo customer over 10+ years this is appalling especially when it is documented your funds is insured with them in the event of fraudulent activity. Its even worst they are not even try to compromise at least a portion of the monies taken!
Consumer complaint received 2019-02-05
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. (VA)

Yes today 's date is XX/XX/XXXX I pulled my TransUnion credit report and I see alot of credit inquiries that I know and I did not authorize anybody to pull my credit here are the list of inquiries ... XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX via XXXX XXXX XX/XX/XXXX..XX/XX/XXXX .... XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX all of these are not mines it's against the law for someone to run my credit with out me know plz cfpb help me get this resolved
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I sent Equifax a certified letter on XX/XX/XXXX which was received by their office on XX/XX/XXXX. They were notified of several fraudulent accounts listed on my consumer credit report that was NOT made by me. I requested that they block these fraudulent accounts ( LISTED BELOW ) under the Fairs Credit Act 605b. According to the fairs credit act, once requested the Credit Bureaus are REQUIRED to respond within 4 business days. EQUIFAX HAVE FAILED to respond and block these fraudulent accounts therefore violating my rights under The Fairs Credit Act. I also requested that EQUIFAX remove the fraud alert from my consumer credit report as I have had it on my credit report for 2 years and Equifax still reported fraudulent accounts to my consumer credit report severely damaging my family and myself financially. I may also note that My information was breached in the Equifax Breach XXXX and also recently in that data mishap at the beginning of XXXX in which my score was inaccurate because of their mishap which caused severe financial hardship. I I would like assistance in this matter and if possible request legal assistance against Equifax for their repeated violations. I have attached the original letter sent to Equifax which includes an official FTC report filed with the Federal Trade Commission. 

FRADULENT ACCOUNTS XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$32000.00} XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$4000.00}
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

This Company i, e, Wellsfargo Charged Me {$400000.00} To Bring My Account Current in The Past & They Charge Me Money Every Year For Having Escrow Low Due To Their Calculations! I Feel It was Illegal to Charge Me {$400000.00} Without Me being Able To Bring My Account Current In The Past! I want To Know If I Am Due Monies For Past & Present Charges! Due To The current Settlement!
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called and asked to close the account and to have a written letter sent confirming the account is closed. The account remained open despite the company 's assurance that they had closed it. Eventually I attempted to close the account via the online portal, but I still have not received confirmation that the account is closed.
Consumer complaint received 2022-09-03
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: Santander Consumer USA Holdings Inc. (KY)

I DID NOT APPLY FOR CREDIT AT XXXX XXXX XXXX XXXX WITH SANTANDER CONSUMERS ON XX/XX/22. PLEASE SEE ATTACHED.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MO)

I had a derogatory mark appear on my credit report on the XXXX of XXXX, XXXX from Sequium Asset Solution. Looking into it further, I saw the collection was opened on XX/XX/XXXX, over two months ago, giving them plenty of time to try contacting me, but this is the first time I saw anything about this. Seeing as the original creditor was XXXX, I immediately knew this was identity theft, as the last time I had an account with XXXX was in XX/XX/XXXX, before I sold my house and moved. I already started a dispute with XXXX, and I am filling this out, which I hope is the FTC report they were referring to.
Consumer complaint received 2020-02-06
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. (NV)

There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX  XXXX  XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.
Consumer complaint received 2019-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

XX/XX/2019- I called in directly, in order to make an early payment with the company. This was after I was unable to navigate their website for the same purpose. the website gives the illusion that you have control over when and how and where you can direct payments, however once you choose an option, the only solution offered is to make an extra payment. The first customer service rep I spoke with didn't entirely understand my request and kept suggesting that I cancel my auto pay arrangement in order to make an early payment. After 10-15 minutes of asking questions and going back and forth with the rep on how that would work, I pointed out to her that the greater terms of my loan would be completely changed if I canceled the auto-pay arrangement. She continued to suggest that that was the only option I could use to satisfy my request. I then initiated a conversation with an alternate representative by asking if there was someone else that I could speak with because I felt that my point / request wasn't clear. The rep said there was someone else I could speak with and that she would arrange it. I was on hold for over 30 minutes, all the while listening to their auto prompt state that there was only a one minute wait time. The second rep that I spoke with gave me the same advice. I again pointed out to this option would affect the greater terms of my loan if I canceled the auto pay arrangement and he proceeded to tell me that that wasn't true. He was either poorly informed or lying about the situation, because I know for a fact that my interest rate will go up if I cancel the auto pay arrangement. This is yet another example of how this company poorly manages loans that were sold to them without permission from its consumers. It seems small, however, there isn't an early payment penalty in the terms. So I fail to understand why I can not find this service online or receive their knowledgeable assistance via phone.
Consumer complaint received 2020-02-06
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. (NV)

There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX  XXXX  XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA has lied over and over again in their correspondence to the cfpb. They never mailed me any documentation at any time concerning anyting post repossession of vehicle. Allow me to set a few things straight and prove that Santander is XXXX  ; Point one ; when I did the recording to repossess the vehicle I was told that I was not to pay any more money until I got proof of how much the vehicle sold for and what the value of the delinquency would be post sale. I was also advised that is 3 to 5 business days I would be contacted by somebody from the towing company telling me when they would come and repossess the vehicle. However, Santander negligently or maliciously did not supply the towing company with the telephone number and subsequently the next morning following the recording they were at my home repossessing the vehicle. 
Point 2 ) Santander turns around and charges the account off without giving me any opportunity to set up any sort of payment arrangements to keep the account in a non charge-off status. This just proves this Santander is out to ruin my credit and the multitude of class action deceptive lending practice lawsuits lend credibility to what Santander is doing to myself. 
Point 3 ) Santander states that they have sent me paperwork if they have no proof nor have they furnished and approve other than attaching copies of documents to their responses but yet they have no proof that they were actually ever sent to me which is convenient for this Corporation. I have continually ask them to correspond with me via mail in regards to establishing some sort of payment arrangements as I do not wish to communicate with them via phone because they're dishonest and they've shown that they can't be trusted especially when they tell me that I'll have three to five business days before the vehicle is repossessed and then they show up at XXXX XXXX. the next morning to repossess it ...
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (FL)

This company is unbearably incompetent. In XX/XX/2019 I applied for a balance transfer to a 18 month 0 % APR Barclay card. When I did this transfer ( from a XXXX card ), I accidentally typed the wrong account number in. I called Barclay to fix this, they said I had to file some paper work. I called XXXX, and they told me they had already remedied the issue, and not to worry about it ( cause this is how a competent company manages money ). I called Barclay back and told them XXXX took care of it and to ignore the file I had made of correction. A week went by, My XXXX  card was XXXX   out, and my Barclay card had the correct amount of debt on it ( Starting at about XXXX ). All of a sudden 3 months later, Barclay randomly decided to just decimate this card. They said my file of correction ( that should've been shredded ) forced them to return the entirety of the {$14000.00} credit to XXXX. XXXX having no more account, AUTOMATICALLY FIXED IT ( unlike this trash heap of a bank ), and sent it back to Barclay. Barclay RECHARGED ME the balance transfer, and after talking with 6 different people over the course of 5 hours - one of which yelled at me repeatedly, THEY REFUSED to nullify the SECOND balance transfer of over {$300.00}, because they blamed me for the error. I filed a CFPB complaint, and they FINALLY cancelled the 2nd transfer fee. NOW HERE WE ARE AGAIN! 2 weeks later, and they are charging me an interest fee of nearly {$300.00} meaning they NULLIFIED the 0 % agreement we had BECAUSE OF THEM FAILING to stop that file AFTER 3 months. I think its fair to say they people, out of pure 100 % neglect, are stealing from me. I demand them to cancel all interest fees, double check every transaction on account and make sure there is NO MORE than one balance transfer fee. DOUBLE CHECK all credit reporting for any false reporting of any false debt. And lastly, APPLY AN EMERGENCY {$400.00} CREDIT to the account, as they have failed on several occasions now to uphold the contract of this card, and literally attempted to steal nearly {$1000.00} from me due to negligence. This credit will be applied to getting a new 0 % APR card far away from the incompetencies of Barclay. THIS EVIL SHOULD BE PUBLISHED  EVERYWHERE
Consumer complaint received 2020-02-06
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. (LA)

On XX/XX/XXXX at XXXX XXXX I purchased a Transunion membership. at that time I had access to my full credit report from all three bureaus. Upon going over it thoroughly realizing this is what my future holds thinking how can I improve my situation, I begin disputing a few errors I noticed and mistakenly submitted the wrong account I admitted to my error thinking the follow day I would be able to correct it by giving the bureaus and my bank a call.XX/XX/2019 I called all three bureaus only to hear Transunion tell me that particular account was no longer on my file. I immediately asked how was that when I submitted not even 12 hours prior to speaking to a representative to have it cancelled. XXXX  or XXXX would Not cancel the dispute per my continuous calling everyday begging to cancel the dispute.So the back and forth went on between me the bureaus and my back for approximately 2 months.Finally XXXX  started reporting back to my credit report.I have been an Authorized User on my dad 's account since XXXX with a credit limit of {$2300.00} this is very important to me as a holder by not reporting my all my accounts has caused me to continuously get denied credit, XXXX, XXXX for the last 4 months for an account that's reporting Excellent payment history and would help my score.I am asking to Please have my account reporting back to my credit report. I have attached supporting documents for my case.This is horrible feeling knowing you're paying a bill and not have it reporting to help my scores.