davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (GA)

On XX/XX/XXXX, I visited the Worldremit international money transfer website and successfully completed two transactions in the amounts of {$98.00} and {$59.00} respectively to two recipients in XXXX. However, when I tried to log back into my account to make a third transaction, I could not access the website. 

I called their customer service number and spoke to an agent who asked me a number of their security-related questions. I thought some of them were ridiculous since I had successfully answered all questions relating to my identity, and explained why I was sending the money to those individuals. I further explained that it was not the first time I was doing so, that I had made scores of remittances to the same people in the past through XXXX and XXXX XXXX. I wondered why they were more concerned about me being scammed than I was since the money was mine. 

I concluded my argument by suggesting that they might want to consider including all those questions on the form that customers must fill out in order to send remittances. It did not make sense, I argued, to hold up transfer requests just because they did not like the answers to verbal questions they ask customers over the phone. I concluded my argument by suggesting that they consider including a two or three step verification process that will further weed out scammers or thieves and ensure the security of genuine customers because only they would know the answers to the verification questions. 

In response the agent I spoke with said I would not be be able to send any more money through Worldremit. When I asked why, she directed me to an email that was sent to me but that message also failed to explain what exactly I did to warrant being permanently banned from accessing their services. Was it because I criticized their security protocol? If so, what did that have to do with the actual process I obviously followed in order to successfully complete the first two transfers? 

Thanks.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (LA)

My home was flooded and later condemned due to damage in 2016 flood.According to my contract the insurance funds had to be used to pay off the loan once we notified the mortgage company the home was not repairable.The insurance company did not apply the funds directly as stated in our contract but made us write a letter asking us to submit a formal letter asking them to '' please pay off loan with the funds and send us remaining balance if any '' .We now need a letter for Restore Louisiana saying that was what actually took place to get government aid to rebuild a new home and they refuse to give us this needed letter.They sent us a letter stating we were advised by them we could use the funds to pay off the mortgage or repair the home, which was not true, because the home was condemned. They also stated in this letter that we asked them to pay off mortgage with the funds, which we were forced to do before they would use the funds.They actually held these funds and sent us a past due statement until the received this letter from us and applied the funds towards mortgage.I have proof in the form of letters, emails, and contracts that all they above statements are true.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

My Target card payment is set up for auto payment of the minimum amount due My settings still today say that my 'Current Auto Pay ' is set to 'Plan Type : Min Payment Due '. 

However, after I paid my minimum amount on XX/XX/2021 ( after which no minimum payment was due ), I was billed again by Target for the minimum payment amount on XX/XX/2021. My bank account did not have sufficient funds for a second payment so the second payment was rejected, and Target charged me an 'auto pay returned payment ' fee of {$29.00}. 

I contacted Target on XX/XX/2021, to reverse the fee. On XX/XX/2021, Target refused to reverse the fee. 

On XX/XX/2021, I contacted the XXXX XXXX XXXX. On XX/XX/XXXX, Target again refused to reverse the fee for returned payment. Target responded that the online payment page indicates that Target will auto-bill a customer for a minimum payment amount even if no minimum payment amount is due. 

This practice of double-billing its customers is an abusive business practice. My auto-pay 'Plan Type ' is 'Min Payment Due ', and I can see no business need for Target to double-bill its customers, except to fish for extraneous fees. 

To wit, the auto-pay feature on my XXXX XXXX card does not auto-bill me for the minimum amount due if/when when I make the payment early. 

I indicated to XXXX XXXX XXXX that I want to escalate my complaint against Target from an issue of deceptive business practice to an issue of abusive business practice, and they advised me to file with the Consumer Finance Protection Bureau. 

Thank you for your help.
Consumer complaint received 2019-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Please forward to Equifax HQ related to the Hard Inquiry done on my account by XXXX/XXXX  on XXXX. 
After me being approached while shopping by a promotional XXXX lady to promote XXXX sales by the way of giving people 10 % off if consumer open up a credit card, not initially telling the consumer they are doing a credit application online but collecting as much information about that consumer is a unique strategy to increase sales. Once the data is in the system, some consumer later find out the process to getting the 10 % allow it to go through XXXX system. However, I stop instantly after she asked for my SSN. Their strategy to increase sales caused ( 1 ) A communication break-down between the consumer and the promotional lady, ( 2 ) Materialized into an invalid hard inquiry ( 3 ) Caused the consumer ( me ) credit score to drop by 2 points and ( 4 ) Caused me extreme distress. 
( A ) XXXX XXXX wrote on XXXX to Equifax, Inquiries are a factual record of the file access. 
( B ) XXXX  XXXX  wrote a letter on XXXX sent to my address, I quote, unable to approve your application at this time, because we could not verify the SSN you provided in your application against information we obtained from the credit-reporting agency. 
In the above case, XXXX XXXX is talking about Equifax making it appeared the banks preference is with Equifax. 

Correct me if I am wrong, but I question the above situations : ( A ) If a consumer releases limited Info excluding SSN, and if approve through a hard inquiry, that consumer can get credit cards, cars etc.? 

( B ) First of all, On XXXX, I never expose my SSN to anybody at XXXX XXXX, MI. Nor did I put my signature on a hard copy or online ( tablet/POS ) credit application. Also, if noting match/verify with credit-reporting agency, why did the hard inquiry appeared and drop off on XXXX and XXXX but still in Equifax system. In addition to the category ( B ), XXXX XXXX has had all my information in their database for years. Now all of a sudden, they can not receive varication with my SSN. I am confused. 

Equifax is the only reporting credit agency allowing an invalid hard inquiry to stay on my account causing me additional destress. Correct me if I am wrong but I thought the reporting credit agencies are supposed to be an advocate for the consumers who hold and protect consumer sensitive data. The resolution is to be an advocate for all consumers.
Consumer complaint received 2019-10-19
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: I.Q. DATA INTERNATIONAL, INC. (WA)

I lived at a apartment complex in XXXX Washington called the XXXX XXXX  for over 10 years. I moved out XX/XX/XXXX. In XX/XX/XXXX the XXXX XXXX turned over an amount of {$160.00} to XXXXQ Data International Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX. IQ Data International Collection Agency reported this FALSE FRAUDULENT DEBT to all three credit bureaus. 
I only recently became aware that IQ Data International reported  this fraudulent debt to the credit bureaus when I submitted an application for an apartment. I submitted a dispute online to XXXX regarding this debt and within 24 hours it was deleted from my XXXX Credit Report. I am in the process of having this false fraudulent information deleted from my XXXX report. In the meantime, the CFPB should investigate this collection agency for violation of fair credit reporting. This has not only prevented me from obtaining housing until this matter is resolved but it has also cost me money in application fees and attorney fees. Its not right that these collection agencies can place false debts without your knowledge or without notification on your credit report. I do not owe XXXX XXXX  a dime.
Consumer complaint received 2021-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: iQuantified Management Services, LLC (CA)

Dear Sir/Madam, Please be advised that, iQuantified Management Services , LLC at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX ( phone # XXXX ) sent me a Collection Notice for {$1800.00} ( Eighteen Hundred US Dollars ) dated XX/XX/XXXX. This is for Client Named ; XXXX XXXX XXXX XXXX XXXX ( a/c # XXXX dated XX/XX/XXXX ). 

I am Resident of California, and have never resided in any other state. My Jurisdiction is California Only. I remember after my accident in XX/XX/XXXX, i was Hospitalized at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had XXXX ( on XXXX ), and qualified for Medi-Cal Benefits ( ID # XXXX issued on XX/XX/XXXX ). Until now! I was never informed of any pending BILL from ; XXXX XXXX XXXX XXXX XXXX ( client 's a/c # XXXX ). 
I have done some research for the COST of XXXX   services and XXXX info reads that Cost are less than {$500.00}. The Question is, WHY so much {$1800.00}?? Financial Extortion is  a criminal offense! Doesn't Medi-Cal reimburse for XXXX  services?? Also, WHY didn't a  California Collection company contact me?? I am NOT from XXXX, Colorado! This Collection BILL is way too, overstated vs the actual COST in question. 
We all know that the XXXX XXXX XXXX XXXX, XXXX, CA is under investigation for Penal Code : 550. They have been using POOR patients as Pawns to Fraudulently Bill the State of California for frivolous sums of monies! Medi-Cal benefits is a FREE benefit for qualified applicants under MAGI Program!  Logic tells us that, medical services is reimbursed at Cost plus a small profit Margin less than 100 % on Cost Value, and NOT at 200 % or 300 % plus values. Grand Theft from the state of California is a High Criminal offense! These people have been screwing the State for Millions of US Dollars.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (MA)

I was shocked when I reviewed my credit report and found late payment in XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EMCC Holdings, LLC (TX)

This is a formal complaint against Equiant Financial Services located in XXXX, AZ. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Equiant Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (LA)

I tried to submit a dispute with XXXX online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and Experian. This same collection was removed once before on my XXXX on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times now.
Consumer complaint received 2023-02-23
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. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX # XXXX LATE PAYMENTS XXXX XXXX  # XXXX ONE LATE PAYMENT XXXX # XXXX XXXX XXXXXXXX XXXX FOR {$3400.00} XXXX XXXXXXXX # XXXX FOR {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FOR {$3300.00}
Consumer complaint received 2022-10-11
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. (WI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX  account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TN)

i got my statement and had several unauthorized withdrawals. On the XXXX through the XXXX of XX/XX/2022 {$5000.00} was withdrawn 3 times to people i dont know.I called the bank and closed the account and put fraud claims in.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (TX)

Champion Mortgage says my property insurance is in good standing @ XXXX dollars, yet I received a letter from Champion Mortgage that says they are going to foreclose because of my property insurance. Also, Champion Mortgage tells me to continue making monthly payments to eliminate the default balance. Champion Mortgage is accepting my monthly payments at the same time they are foreclosing on the default balance. This sounds like unfair double jeopardy and the foreclosure should be removed immediately. Yes, immediately, my request.
Consumer complaint received 2019-10-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union bank refused my access to my CD account that is worth {$110.00} XXXX dollars. They Denied recognizing the Payable on Death set up with the account. They denied a transfer I made to have my funds transferred to by other financial institution. They also refused to mail me a statement of my account.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP (CO)

Received a letter in the mail for Collections on a checking account. Debt to be collected was valid, however they are impersonating another collections agency. Capital Management Services is the correct agency, scammers also say they are Capital Management Services. They even have the same address. Contacted my bank for the valid collections company phone number. When I spoke to the correct collectors I asked plenty of questions to verify the letter I received was not directly from them. The website listed on the letter is XXXX  When I went to this page it stood out immediately as fraudulent. Capital Management actual website for collection payments is XXXX. It looks much more legitimate. Phone numbers were different between the two as well. The letter stated XXXX, Capital Managements actual number is XXXX. The letter also used a similar logo, but not the exact same as the actual Capital Management Logo. I believe that most people will try and pay online or over the phone, so it would be easy for these scammers to take payments. They also have access to personal information somehow to make it somewhat believable. If I hadn't questioned the validity of either, I may have not paid the right collector and lost almost {$100.00}.