davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-20
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I transferred money using Moneygram on XXXX XXXX using debit card to send it to an XXXX bank ( debit card to bank account is Moneygram 's fastest transfer apparently ). My money was deducted but it wasnt delivered. On XXXX XXXX, i called them ( Please Note : I CALLED THEM ) and since then I have been struggling to get the refund from them. Their rep actually told me that she doesnt know why the money didnt go through and that the " system doesnt show ''. Then she forwarded my call to a dept which kept dropping my calls. After XXXX calls, finally I could connect and i was told point blank that the transaction must be cancelled ( ps : nobody still knows the reason but they were generously guessing ). Not for once they tried to set things right by actually trying to complete the remit. I was forced to cancel the transaction out of no options and since then they have been saying XXXX days return policy. By my calculation today is XXXX day ( or XXXX business day ). By their calculation it is XXXX business day post cancellation ( they actually debated with me on the business day count!!! ). I have n't received my refund. Till now I have called them atleast XXXX times and emailed them XXXX times. If I push them hard for the refund, I can sense rudeness in their tone and they predictably drop the call midway. 
Bottom-line, they have successfully held-back my money for 17 days ( and continuing ) despite my repeated requests. The family urgency which prompted me to send money to begin with couldnt be helped by me. 
I have used many remit services over years and this is the only company which actually collected SSN number by making it sound like a government requirement. I am extremely angry for giving it to them. A quick XXXX search yielded exactly similar stories which is even more worrying. Somebody should actually look into this company. The only reason I went with them was becoz I saw this name in XXXX and I assumed it might not be a scam company afterall. 
I complained to XXXX and MoneyGram hasnt responded to XXXX 's first notice. Second notice was sent.
Consumer complaint received 2022-02-15
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. (PA)

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. I sent letters to TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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: CITIBANK, N.A. (TX)

I have an unrecognized inquiry on my XXXX credit report from Citi Bank, dated XX/XX/2020. This inquiry does not appear on any of my other inquiries. I have written to Citi Bank multiple times to request that it either be validated or removed. Citi has repeatedly responded to my inquiries by claiming that it can not find any record of said hard inquiry. They continue to request information that they were already provided with. I can not continue to waste my postage and time in responding to attempts to stonewall my inquiry. 

If Citi Bank can not verify that this inquiry is valid, they must remove it pursuant to the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of some of my recent correspondence to Citi Bank for reference.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

A compliant was filed on XXXX/XXXX/XXXX with this agency, # XXXX. Experian stated it would mail me a copy of my credit report. To date, I have NOT received the copy. This is the original compliant. I am a XXXX year old XXXX XXXX honorably discharged veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XXXX and XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.
Consumer complaint received 2022-08-06
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. (NY)

In accordance with the fair credit reporting act XXXX  account name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXXXXXX XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (DC)

i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed.
Consumer complaint received 2022-08-09
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)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX- credit card ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX XXXX XXXX-credit card ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (LA)

1. This debt company is that they have never contacted me to stated that this debt was owed by myself or given me the opportunity to dispute this false debt!

2. The only persons debt that this could be is my deceased fathers, we have the same name.

3. The debt is from more than seven years ago.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (FL)

A hard credit inquiry -- a totally fraudulent, unauthorized credit inquiry -- was made on XX/XX/XXXX by way of " Bill Me Later '' /CCB/PayPalCredit. This is damaging my credit and making me fear of potential identity theft. Please stop this fraudulent practice of signing ( or attempting to ) sign people up for credit cards they never asked for.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

Resurgent Capital ServicesXXXX LVNV Funding LLC wrote a letter dated XX/XX/2019 responding to a validation letter that I sent on XX/XX/2019, I responded with a certified letter and I received receipt that the company received the letter on XX/XX/2019, and as of today 's date I have not received any correspondence. I requested that the company validate the alleged debt and respond within 30 days and neither has occurred.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper makes it incredibly difficult to actually speak with a live agent ; forcing self service and messaging as the sole option. On XX/XX/XXXX I contacted them to advise not to [ ay my home insurance as i was changing companies. That simple request took two phone calls, five minutes of menus and once I finally reached an agent I had to be transferred. My message to them sharing my frustration in their online message center was met with a response explaining how to notify of insurance changes, This had nothing to do with my message. I had similar frustration om XX/XX/XXXX trying to determine if the premium to the new carrier had been paid. When I finally made it through the menu to reach a live agent their system disconnected the call. Again I contacted them via the message center, They responded on XX/XX/XXXX that my premium had been paid on XX/XX/XXXX. I just spent nearly 20 minutes on the phone again ( XX/XX/XXXX ) as I see no escrow disbursements in my account. XXXX advised me no payments had yet been made and it was scheduled to go out. He agreed to send via overnight delivery.. The information I was trying to obtain in all of these interactions can not be fulfilled via self service. There seems to be an effort to force self-service for all transactions, even when it is no the appropriate venue. To me, this would seem to violate regulations around XXXX and is incredibly frustrating. Thanks.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX of 2012 we opened up a Bank of America XXXX XXXX Credit Card. BOA charged us {$100.00} to be used as a down payment on a future cruise. There was NO EXPIRATION date. We are now booked on a cruise and since XXXX I have tried to find out where our {$100.00} went to no avail. We submitted letters asking for our money back and just received notice that it is has exceeded any dates giving us money back. How can this be when there was no expiration date from the beginning.We only know that we were charged, we paid it and now we are NOT getting our money back.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (TX)

I reached out to XXXX XXXX XXXX certified mail requesting them to send me proof that the debt belongs to me. They received my letter XX/XX/18. I have not received a response from them and the debt is still listed on my XXXX  and XXXX credit report.
Consumer complaint received 2016-10-10
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received a call with a unknown number from Ace Cash Express to call them back that they are filing a claim against me. I called back and the representative accused me of fraud for not paying back the pay day loan. I explained to XXXX XXXX that Ace cash Express put me in a cycle of debt and I just could n't pay back anymore. He did n't care and threatened to file a law suit with XXXX county. I told him that I ca n't afford to pay them back because I only work few hours a week but I will try to borrow money and call them back. However I could not borrow any money to pay back. So the next day I received a voice mail supposedly from an officer to call them back or they will go to my employer. I live off pay check to pay check and it 's their fault for putting me in debt and now pretending to be a officer. They also called my sister and threatened to call my employer even though I do n't work in a office.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

On XXXX/XXXX/2016 I received a debt validation notice from XXXX XXXX XXXX stating I owe {$580000.00} for my home. I never got a phone call letter nothing. The loan servicing company is Di Tech. I mailed {$2100.00} and I have XXXX on a suspense account. The refuse to accept my payments and are demanding {$9300.00}. to cure the loan.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (GA)

A card that I always used Had said it was it was deactivated contacted rushcard many of times would even get hung up on bounced around no solution given and I ended up receiving an eviction letter from my landlord there 's money missing off of my account there is double charges and still no answers I have XXXX children XXXX with XXXX and I 'm a single parent where we supposed to go and all we can get is no fees for certain amount of time and an apology
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (TX)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a dispute for Bank of America on XX/XX/2018 to offer purchase protection for a hotel reservation gone wrong. The letter that I sent them is attached, but it involves the hotel not able to provide another room after their vacuum cleaner exploded near the bed, causing me to have severe breathing issues. 

Bank of America pursued the dispute until a letter dated XXXX XXXX arrived on XXXX XXXX, requesting further information by the XXXX of XXXX. I faxed the information requested on the XXXX of XXXX ( proof of receipt is attached. ) Bank of America proceeded to send a letter dated XXXX XXXX, that I had not sent them the required information in time and closed the. This is incorrect and Bank of America refuses to reopen the dispute. 

I have attached all of the inquiries that I pursued with both the merchant and Bank of America as well as proof of receipt of a fax on XXXX XXXX.
Consumer complaint received 2019-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I purchased my home in XX/XX/2012. I have had nothing but hassles since that time. 
My husband is a XXXX XXXX and I applied for mortgage modification and nothing became of that except letters threatening foreclosure. They have often stated that they never received payments resulting in my having to cancel checks and late fees and more foreclosure letters. 
I have been sending my payments ( money orders ), certified/return receipt, directly to the HUD office. Then, I get another letter last week, another foreclosure letter stating that it was because of unpaid late fees. I can not control when the HUD office posts my payments. I should not have late fees. 
They have left notices on my door, taken pictures of my home and vehicles. I find this to be harassment. I would like to find another mortgage company, however, they have ruined my credit. I thought that these companies were supposed to help people stay in their homes, not threaten to take them away.
Consumer complaint received 2022-12-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Investment Retrievers, Inc. (FL)

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. 
XXXX Account # 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 2017-03-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Sometime after XX/XX/XXXX but before XX/XX/XXXX I paid my XXXX store credit card bill. Unfortunately for me my payment was applied to another account. I had paid the bill using my mother 's Bank of America bank account. I tried multiple times to resolve the situation, to no avail. I was repeatedly told that they ( the XXXX card company reps ) understood and would fix it, but nobody ever did. It was sent to collections and I again explained my situation. After many attempts to fix the situation I gave up. In hindsight this likely was n't a good idea but I was beyond frustrated. The account was opened in XX/XX/XXXX and closed due to non payment in XX/XX/XXXX. I received a call XX/XX/XXXX that I was being taken to court over this debt. I have negotiated with the law office handling the case against me to have until the end of XX/XX/XXXX to get the copy of the bank statement showing my payment. My mother closed the Ban of America account, perhaps in XX/XX/XXXX. I spoke with BoA customer service and was told they could look up closed accounts, but could only look back a few years by phone. I was instructed to go into a branch and they would be able to help me. When I spoke with a branch manager in person she told me they only hold on to records for 7 years. I fully explained my situation and she again said they only go back 7 years. I called customer service again and was told by one person they could go back further if I ordered them. I was then told by another person that no they could not go back further, they could only look back 7 years, I want to know if there is ANY way possible to obtain bank account records from this account ( my mother was with me in the branch and on the phone, since it is her account ) from before XX/XX/XXXX. If I can show the payment then I can prove I made it and not be held accountable. If I ca n't get the records from the bank I have no evidence to prove my payment and will either have to pay the original amount or have the court judgment go against me and owe hundreds more. I am so upset that I paid my bill and somehow am being punished. I really hope there is something that can be done to help prove my payment. 
Thank you!
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC (NM)

I received a phone call that was from this company telling me to call them. They used a type of technology to spoof a number so as to make the call appear to come from someone else. The caller ID said XXXX XXXX, The message told me to call a company named Dynamic Recovery Solutions. I do not return phone calls like this and all communication must be done in writing via USPS. Not making a written claim is a violation of the FDCPA.
Consumer complaint received 2016-12-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. ()

A company operating as Commonwealth Financial, and a website of XXXX, of Pennsylvania, did report to the XXXX credit bureau that they have a deliquent account in my name. 
They did not however make any effort to contact me first, such as with a standard form notifiying me of an alleged debt and their intention to report it to a credit bureau.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

in XX/XX/XXXX I received a letter from regions bank which stated I had a certain amount of time to elect overdraft coverage. I assumed by not responding I would not have to do anything further since I did not want that coverage. In early XX/XX/XXXX my account was short by about XXXX dollars which snowballed into over XXXX dollars in overdraft fees. When I discussed this with a bank rep I was informed that I was automatically enrolled because I did not respond to the letter. I learned that regions was fined for this practice but is continuing to engage in this activity.