davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/2022, I sent a money transfer in the amount of {$1000.00} through Moneygram to a relative in XXXX. Moneygram debited the funds from my debit card within minutes. However, the receiver was not able to pick up the money. After contacting a Moneygram agent via phone they stated that the transaction was under the review and that they needed to talk to the receiver. I decided to send the money using another company. The next day XX/XX/2022, I called Moneygram to request a cancelation of the money transfer, the moneygram agent gave me the same generic information that the transaction was under review and that within 24 hours they would have a resolution. I called back a couple more times last week, and today Monday XX/XX/XXXX when I called in the afternoon, again the agent tells me that the transaction is under review and that in less than 24 hours they will have a resolution ( this is the 3rd or 4th time an agent has told me this ). It appears that this company is acting in bad faith and is deliberately refusing to process the cancellation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed on their website regarding their cancellation policy. I am filing this consumer complaint in order to obtain cancellation and refund of the money that Moneygram charged from my debit card.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (MO)

I. Used a atm on XXXX XXXX mo on XX/XX/2020. I was charged for the amount of XXXX dollars. My money was put back in the machine and my debit card locked in machine. I did. Not get the money. but it came out of my account I have tried calling my debit card to dispute the charge yo the dispute department I finally went ahead and. Cancel the card and was issued a new on today.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has removed 4 accounts that are in great standing and refuse to correct the issue. They continue to blame it on the creditor which is XXXX XXXX saying its their fault but its not because I spoke with them and they have not requested for those 4 accounts to be removed!! This bureau is horrible and refuse to do the right thing because is holding them accountable. Those 4 accounts are still on XXXX  and XXXX and they are also in great standing. This is a violation of the Fair Credit Reporting Act and need to be corrected.
Consumer complaint received 2018-04-23
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. (WI)

I have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX  XXXX XXXX XXXX, I see that XXXX XXXX XXXX  is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$4500.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-14
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # # # # # # # # # # # # # # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions
Consumer complaint received 2018-04-23
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: ALLY FINANCIAL INC. (NJ)

On XX/XX/XXXX I went to XXXX XXXX as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry.

1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX   Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-14
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. (TX)

I sent letters to the three big credit bureaus XXXX, XXXX, and TransUnion on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : XXXX : XXXX XXXX : XXXX TransUnion : XXXX I got my results from XXXX and TransUnion removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. XXXX removed some items but failed to notify me about the verification and did not send me a credit report.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MA)

This is in reference from transactions on XXXX XXXX before my account was locked with no explanation. 

I submitted XXXX emails to Coinbase with only " We are working on it '' generic responses. 

XXXX ) My transaction records do not match what was actually sold or withdrawn. 
XXXX ) Coinbase initiated a transaction in my account without my knowledge. 
XXXX ) I need reimbursement for all fees associated with transactions on XX/XX/XXXX that did not actually go through. 
XXXX ) I need my transaction records updated as to the actual sales on my account ( Delete the ones that were cancelled / altered ) XXXX ) Coinbase took {$21000.00} from my account without any consent or explanation. 

This happened to thousands of other people with no explanation. 
XXXX XXXX on XXXX and XXXX.
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing pf consumer reports to the purposes listed under section 604 ( s 1681b ) collection agencies also have violated my rights by contacting me during my working hours and call me from different numbers. attached will be proof of said violations. 

All XXXX credit bureaus have incorrect my name, birthdate and address. I have send certified mail back in XX/XX/XXXX with updated and correct spelling of my name, my correct birthdate and my correct address. Also, sent was my copy of Social Security card, my updated license with my new address. I asked for an investigation none of the XXXX reporting agencies replied nor updated my personal information.
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX. account # XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I mailed cheque # XXXX made out to the other of XXXX XXXX XXXX Collector. 
On XX/XX/2022, I was notified by my mortgage officer that my taxes are still outstanding. After checking the activity in my statement, I called Chase and notified them that the person having negotiated cheque # XXXX was not the payee to whom I had made out the cheque. As per the instructions of the representative on the phone, I went to my local branch the next morning ( on XX/XX/2022 ) and filled out the necessary forms ( please see attached ) to have the monies deposited back to my account so I could pay my taxes. 
After several follow-ups ( the last one as of XX/XX/2022 ) the issue is still unresolved. During my several conversations and hours of being on hold to reach a representatives and numerous supervisors, I have been told that my options are to investigate the matter myself and try to track down the person who stole/modified the cheque, call bank XXXX XXXX and ask them to investigate, or just accept the fact that the matter may not be resolved.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX BANK XXXX XXXX. 
Account Number : XXXX XXXX : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-11-23
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)

I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both XXXX AND TRANSUNION are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA 15 U.S.C 1681. 

TRANSUNION INACCURATE REPORTING : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXXS, XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. The following automated response was sent back : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED.

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online. '' May I refer to a previous complaint # XXXX that was filed for this exact same issue with this credit card company. In their response, I was advised that these security measures were not needed and that their office had notated my account accordingly with regard to the travel notification. Unfortunately, I am finding myself with this same problem and their last message was " we'll get back to you. '' I will be leaving on my trip on XXXX. 

For this reason, I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint. ''
Consumer complaint received 2018-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Forster & Garbus LLP (NY)

I took out a personal loan with XXXX XXXX in XX/XX/XXXX. I wasn't able to continue paying the high monthly payments. Eventually, my loan was charged off. On XX/XX/XXXX, I received a letter from Forster and Garbus informing me that they are taking over collecting on the loan. I do not want to deal with Forster and Garbus because several years ago they filed a judgment against me for a different debt. They sent court documents to me several weeks after the court date, which I wasn't able to appear in person due to them sending me court papers after the fact. Furthermore, without prior notice they had placed a bank levy on my account and began garnishing my wages. In addition, they had harassed me with calls. Forster and Garbus has had many lawsuits because of their illegal debt collection practices. I am very, very concerned that Forster and Garbus will continue their illegal tactics and I won't have an opportunity to defend myself as I have learned from previous experience.

Please assist me as I am extremely concerned that Forster and Garbus will take action against me without giving me the chance to respond. I am hoping that this debt can be eliminated and Forster and Garbus can be investigated because of their unfair practices. 

Please assist me. 

Thank you.
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IN)

I recently passed the 20 % threshold on my mortgage repayment. Between repaying 20 % of the original value and the fact that my home has increased in value due to the current market conditions, I sent in a written request to remove the Private Mortgage Insurance from my mortgage to my lender. I have never missed a payment on mortgage. 

I mailed my written request to remove the PMI on XX/XX/2022. 

In speaking with my lender, Truist Bank, I found out that they had received my written request on XX/XX/2022. I had called them multiple times, with the most recent time being XX/XX/2022. During the most recent call the support staff confirmed the original receipt date, and that they had processed it and formulated a response on XX/XX/XXXX, but could not confirm if the response had yet been mailed. The support staff indicated that if the response had not yet been mailed, that it would be sent via overnight mail to me. 

It is now XX/XX/2022 and the response still has not arrived, well past the 30 business day response window that they had indicated it should take ( and may be mandated elsewhere ). Meanwhile I am still continuing to pay for unnecessary PMI on a mortgage that is several years ahead of its original repayment schedule. 

To add insult to injury, looking at my next mortgage payment, the PMI 's premium has been doubled from it's original value.
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (IL)

VANCE AND HUFFMAN LLC, DID NOT SEND ANY NOTIFICATION TO ME ABOUT ANY DEBT. I HAVE CREDIT MONITORING SERVICES AND THATS HOW I FOUND OUT THAT THEY PLACED A COLLECTION ON ALL 3 CREDIT REPORTS, XXXX, XXXX, AND XXXX