davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

This complaint is filed against MoneyGram and the systemic racial discrimination they have in place to oppress people. MoneyGram and their merchants, such as XXXX, have policies in place based on zip codes and the demographics of that zip code to limit the dollar amount of pay outs. For instance, MoneyGram allows worldwide transfers of up to {$10000.00} and in Georgia they recommend that a customer go to XXXX because XXXX will have that amount of cash available. However, if a customer goes to XXXX in Georgia they may not be able to receive the pay out based on the zip code policy XXXX has in place. One XXXX is only allowed to release payouts up to {$2500.00} while another XXXX less than 10 miles down the road is allowed to release up to {$5000.00} and yet, XXXX  outside of Georgia are able to release the full {$10000.00}. XXXX says that the policies are set by MoneyGram. MoneyGram says the policies are set by XXXX and every merchant individually. MoneyGram is not willing to take responsibility for and fix the systemic oppression that is in place with their money services. 
In addition, MoneyGram supports having varying policies to verify the identity of the receiver. In a " favorable '' zip code a person can use their passport and no other documentation to receive a pay out. However, in a zip code that is being oppressed a person can be required to provide proof of their current address such a lease or utility bill. This requirement is overly burdensome as a lease can be verbal and include utilities. Also, some people reside in extended stay hotels which tend to be concentrated in certain areas further causing a disproportionate negative affect on certain demographics. 
If a customer is turned away from one merchant because of the limitation pay out and turned away from a second merchant because they " don't like '' the ID provided, that transaction may be rejected by MoneyGram further complicating a person 's financial situation.
Consumer complaint received 2019-03-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I finance a XXXX XXXX to Capital 3years ago the car was accident today lost also i have gap therefore i don't understand why i have this bill i contacted them about them send them proof but still charge me and effect my credit will bad I already file a dispute and contacted still no change XX/XX/2016 ( 2 yrs, 10 mos ) Term 72 months Charged off as bad debt Dispute resolved ; reported by grantor
Consumer complaint received 2021-09-15
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. (OH)

I requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. XXXX refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted immediately.
Consumer complaint received 2021-09-15
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. (CA)

I received a letter in the mail on XX/XX/21 stating that I applied for a XXXX XXXX credit card and was declined. I did not apply for this credit card ; this is fraud. I would like this credit card inquiry removed from my credit report.
Consumer complaint received 2020-01-28
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. (MI)

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX   {$28000.00} XX/XX/XXXX XXXX XXXX - XXXXXXXX   {$570.00} XX/XX/XXXX XXXX XXXX   XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone  numbers on my report shown should be deleted if its not the following number : XXXX
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Someone please assist me! I am in dire need of some assistance with my mortgage loan because the mortgage company wants to foreclose my home. I got behind two and a half years ago after my husband left me for another woman. He was the primary provider for our family and when he left I was not working which is why I fell behind. I've been struggling just to by food ever since and have relied heavily on the assistance of my children but they can not financially afford to bear the burden of my expenses any longer and it is taking a toll on their income now. I am currently in the process of trying to work this out with the mortgage lender so that I do not have to deal with a foreclosure on my credit after going through so much already these past two years. I have submitted all of the paperwork asked of me and yet the company still has an auction date scheduled. Rushmore has sent me numerous documents advising me to either apply to modify my loan or do a short sale and since I am unemployed, I do not qualify for loan modification so short selling the home is my only option. I just need 60 days to get this done, I have a willing and able buyer that has made an offer. Who knows what the lender may get if they decide to sale my house at an auction, they may not even get he amount they are looking for so it's worth taking the time to work with me because this is a solid buyer. Please help me get in touch with someone who can take a look at my file. I am begging for Rushmore to work with me, I can not afford for the home to foreclose and be reported on my credit, it will destroy the little bit of creditworthiness I have left.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (KY)

Purchased sample XXXX products. The next month ( XXXX ) I was charged {$89.00} and {$89.00} for products that were not received. Notified Regions bank that they were not authorized transactions. The bank said they would file a dispute. Tried to contact the company charging my account but could not find out who they were or a phone number or email address. Now it happened again in XXXX. Same amounts. Regions bank customer service now states that there is no dispute filed on the XXXX transactions and that they can't do any thing about the unauthorized transactions.
Consumer complaint received 2022-05-01
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. (TX)

Sent certified letter on XX/XX/XXXX to credit bureau to remove fradulent inquiries from credit report but they were not removed. 
XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please pay attention to my problem, I found account and I can not understand how this possible? Why we have poor reporting and scams? This account is not mine and I would like to start investigation and remove this item XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in 2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OH)

I have a XXXX ( Barclays ) credit card that I've used to make purchases off of XXXX since XX/XX/XXXX. I had never been charged a cash advance fee for purchases from this site. However, starting in XXXX of this year ( XX/XX/XXXX) I began to get charged cash advance fees. Barclays said they did this because coinbase change the reporting of what they were to currency which now equates to a cash advance. This is fine. My problem is that Barclays never communicated this change and I have now racked up {$290.00} in cash advance fees that I knew nothing about. They will not remove these charges even though nothing was communicated to end users about an internal change. 

https : //www.barclaycardus.com/
Consumer complaint received 2018-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I applied for a credit card on XX/XX/2021. I got a email the same day about my application being on hold until they verify my information. I had to send over my Drive license and my social Security card I even sent my military id over as well. I got approval for my credit card they sent me my card with XXXX credit card limit. XXXX eve I used my credit card at XXXX. Then I used my credit card at the gas station, Yesterday I called Captial one to see why my mobile app wasn't letting me link my credit card so I can make a payment on my card after being transferred three times to be told my information doesn't match that my last four of my ssn doesn't match the account and they can't give me no info or even pullup the documents that I submitted with my information they restricted my credit card told me now I got to apply for a new credit card. I went rounds with them twice. They won't give me any info but yet I have a credit card now I can't use with a balance but yet want me to do a new application for another card meanwhile I have a chance of being denied because I already have a credit card with capital one that is now restricted and they can't locate these documents of mine with my drive license being out there and my ssn. i will take this as far as i need to take this so this never happens again to someone else.
Consumer complaint received 2021-06-24
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. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax has been asked multiple times to inform me of whom did they speak with at the court to verify information on bankruptcy that they have placed on my credit report. 

Each time they have insulted me and the CFPB by giving the exact same answer : they did an internal audit and have sent me results. 

The bankruptcy that is incorrectly placed on my credit report is information that I as the consumer need to verify myself. Not an internal audit by Equifax will resolve this issue. 

Equifax wants the CFPB to think that they are investigating my dispute and verifying the information. But Equifax displays disingenuous tactics while I am negatively impacted by financial and emotional. 

I need to have the incorrect information verified by listing whom and where you spoke with the verify this information. This is my third time requesting this information and each time my request have been ignored.
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Toledo, Inc. (OH)

I have 3 collections reporting on my credit report I dont recall or believe to be fraud XXXX for {$220.00} XXXX for {$340.00} XXXX for {$990.00} I already have tried disputing serval time and called XXXX who sent me to a collector which is Finance System Of Toledo INC I went to hospital they said the medical debt were base out of or from and they said they not aware of or know anything about the alleged debt. I ask that these 3 collections be deleted immediately that cause 3 derogatory marks on my credit report. Next will be legal action
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

After multiple calls with Customer Service Agents, I was advised that my only Payment options were Via Mail, or over the phone ( with a fee ) due to being locked out for returned payments. I was not informed that XXXX was still active, my access to this was also blocked on the website so I am unable to view. Because of this, I made a payment on XXXX/XXXX/2021 before the payment due date of XXXX/XXXX/2021. On XXXX/XXXX/2021, an additional payment was drafted from my account causing an Overdraft. The payment was returned, but now I am still stuck with an overdraft fee for a payment. I called Customer Service to make them aware and to be made whole. After escalating to Management, I was essentially blamed for the overdraft. Management said that I should have known an Auto payment was being drafted even though they blocked my access to view this on the website. This was also never mentioned my a rep even though I have called 5 times in the last week.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NY)

Received a XXXX dollar ( {$50.00} ) prepaid gift card : a debit XXXX  card claiming to be " property of U.S. Bank XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX '' In trying to register the card i find that neither the website www.mygiftcardsite.com, nor the published toll free number XXXX to be working. 

Checking the web i find that his company seems to have a long history of complaints and abuses.
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX. 
{$460.00} {$340.00} XXXX paid in full! Remove them from my report! 

They are reported closed, but are still on my report. Remove them!
Consumer complaint received 2021-12-01
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2018-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter. 

The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}. 

Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well. 

This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt. 

I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.