davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

Lexis Nexis is reporting XXXX items on my report that do not belong to me and is causing me to be charged for items that are not mine. 
They are the following accidents that are not from me. Please ask them to remove immediately and refund me the difference in premiums paid. We run third-party reports to validate your quote and found a few things that updated what you entered. These affected discount ( s ) on your quote. 
View the Updates Your driving information has changed.

The information you entered during your quote does not match the information we found on your driving report ( s ) : XXXX XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX Comprehensive Claim {$1000.00} or less on XX/XX/XXXX Listed on XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX
Consumer complaint received 2021-01-29
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. (CA)

I had my credit checked today XX/XX/2021 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I suspect that these accounts belong to someone with a similar name. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (VA)

I have received multiple calls from this company. Each time there is a warning that this is a " Robo Call ''. They leave a message saying they are a debit collector and to call back. There is not other information. I called back asking for them to mail documentation. They asked for verification of who I am. Not sure why they need to know to mail documentation to me. I hesitate to say who I am because of the " robo call '' warning. She was extraordinarily rude and unprofessional. I asked again for documentation. Until they do that I asked for calls to cease. She said " If I am XXXX  why don't I just verify that and she can tell me what the debit is '' When I explained I wanted it in writing she hung up on me. I called back another person answered. He basically did the same thing. When I search the number it says it is Paragon Revenue Group. Many of the reviews describe similar experiences. I get multiple calls a day every day of the week. When I told the first contact that I was filing a complaint with the attorney general she became even more unprofessional and disagreeable.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WA)

An item is listed on my credit report from the company. I am not aware of any account from the original creditor at the time the account is stated it was opened. I have disputed the account with the credit reporting agency several times, but the issue has not been resolved. I have no idea where this account came from as I have not had an account with the original creditor in many, many years.
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Hello, I attempted to transfer {$80.00} to XXXX XXXX XXXX in the XXXX on XXXX XXXX, via MoneyGram. MoneyGram informed me that they processed the transfer on XX/XX/XXXX, and the money was received on XX/XX/XXXX. However, the receiver says he has not received this money. Upon contacting Money Gram, they opened a case on XX/XX/XXXX. 
After calling and contacting MoneyGram about half a dozen times, MoneyGram sent me an email on XX/XX/XXXX, ( Please see the attached file named " doc1 '' ) saying that " After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received. 
As such, you are entitled to a refund in the amount of {$190.00}. This amount represents the transfer fee you paid with this transaction. '' But I checked again with the receiver and he maintained that he had not received any money via MoneyGram in XXXX or XX/XX/XXXX. I contacted MoneyGram customer service, asking for proof of their communications with the receiver bank and their claim that the receiver bank confirmed that the money was received and also asking them to provide me with an exact date that the money was deposited to the receiver 's account. After a few days, I received another email from MoneyGram on XX/XX/XXXX ( please see attached file, named " doc2 '' ) sending me what they regard as " proof of Deposit ''. I have not attached this receipt because it contains account numbers and other sensitive information but I can provide you with a copy of this receipt upon request. 

However, as I said in my response to them I had requested proof that the receiver bank, XXXX XXXXXXXX XXXX confirmed that it had received the money and also the specific date it received the money and deposited it. The document they sent to me is not from XXXX XXXX XXXX. Also, the date on this document is XXXX, which is the transaction date according to the receipt available on my MoneyGram account XXXX not the date the money was received by the receiver bank. Moneygram initially claimed that money was received on XX/XX/XXXX ( according to the receipt available on my MoneyGram account ) but in the email, they sent to me on XX/XX/XXXX, ( please see the attached file, " doc1 '' ), they conceded there might have been an error and the money transfer was delayed although they provided no information on that date. 

I have to mention that this was not the first time I sent money to the receiver and to his bank in the XXXX. I have done it before via MoneyGram once ( in XX/XX/XXXX ) and via XXXX service three times ( including twice in XX/XX/XXXX ) with no problem. 

Thanks for your consideration, XXXX XXXX
Consumer complaint received 2017-12-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (TN)

I had a debit card on file for a line of credit @ XXXX XXXX in XXXX Tennessee.I become behind & they called and explained that it didnt go thru on my card.They then told me to pay in person what was owed..in the meanwhile they took TWO payments out of my acct then attempted another..When i addressed this.They sd they can pull the payments whenever they chose to since it was now behind. Now my acct is minus bc of not knowing the Exact day it was coming out plus they sent more then one payment thru along with my other bills trying to go thru. My acct is now minus and i accumulated all kinds of fee for overdrawing ect..Again this was in XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX XXXX XXXX  XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are  posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all  credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-11-16
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-09-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I've tried to pay this debt. On my credit report I have three different debt accounts from this debt collection company. One debt say XXXX, {$180.00}, and {$70.00}. However, when I call they say I them owe {$1000.00} for medical biils. I refused to pay them because I'm only responsible for what's on my credit report. What they're doing is illegal. Someone has to call them, and prentend to be me, so you'll get to the truth!! I'm only willing to pay what's on my credit report, and that's it!! Here 's their information EVERGREEN PRO RECOVERIES XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
I've tried a couple of times, but they claim that I owe them {$1000.00}, but my credit report states a different amount.
Consumer complaint received 2018-12-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (AE)

I submitted previous complaints to CFPB outlining the unethical behavior of GM Financial in handling my termination of car lease. GM Financial has not addressed any of the core issues associated with my complaint. CFPB terminated both complaints for some unknown reason. Request resolution of my complaint. Most recent correspondence to GM Financial is attached for your reference. Thanks for your assistance. XXXX
Consumer complaint received 2019-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (GA)

i got a letter from citi bank regarding they need some documents from my side, if i failed to provide the documents my account will be blocked. 
But they didn't provide the listed documents. 

I called customer support, but they said it was system generated, and it is showing no documents listed. 

i called twice but didn't get any response from citi for the listed documnents. 

finally on XXXX of XXXX they blocked my account without providing any reason. 

As all my money was there to pay all my bills but unable to make any transactions. 

Here is the reference no : XXXX that Citi provided. 

Name : XXXX XXXX
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My PPP LOAN was deposited into the account on XX/XX/21 they closed on XX/XX/21 My money has been missing for quite some time now so I finally reached out to USAA and they filed a dispute to find out where the funds went. They responded today saying that {$6100.00} was deposited and those funds were applied to an outstanding balance and the remainder sent by check however I had no outstanding balance whatsoever and Ive never received a check for any amount from USAA. Theyre telling me to reach out to the lender which Ive done XXXX times which is why I reached out to the bank because all my lender knows is that it was funded and with this new information it in fact was funded just not to me! Im asking that they immediately return those funds!! Also my account was closed with zero warning for no reason they claimed its as because no recent deposits and claimed they sent a warning guy they never did that either I would like that investigated as well. Ive had so many issues with this bank including fraud which Ive never gotten my money back from which is why I stopped making deposits into that account in the first place. Now this! I have attached proof that my account was closed with no balance and that those funds were deposited yet Ive never received them.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TN)

In XX/XX/2020, addressed to me at my home address, I received a promotional mailing from Regions bank offering up to {$500.00} for opening a checking account with them and following a specific set of requirements. The promotional offer contained a a " personal code '' of XXXX. I performed the requirements on the promotional mailing and should have earned {$450.00} of the promotional offer. 
I took the following actions to earn the advertised promotional offer : -Apx XX/XX/2020 I opened a new checking account online and immediately enrolled in online statements. 
-I made a mobile deposit of {$1500.00} on XX/XX/2020. 
-I downloaded and logged into the Regions Mobile application -I waited more than 90 days to receive my bonus I have had communications with the Regions bank and they told me they were able to confirm that I performed all of the requirements ( with the exception of one requirement they were unable to confirm or deny that it was completed due to their system problems ). I was told that my case would be communicated to the Regions marketing department for review. I can attest that I have successfully completed the tasks required to earn {$450.00}. By now, I should have seen the credit applied to the account. I believe the bank is trying to avoid paying this promotional bonus to me and sent the promotional offer in bad faith. I have a copy of the promotional mailing they sent to me available for reference.
Consumer complaint received 2020-05-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NV)

Pretty simple. US Bank is representing their Jumbo Mortgage 30 year Fixed Product.  3.5 % and XXXX APR - the same as their conventional product 30 year fixed which is impossible. You can check the website - but also printed it to PDF. 

XXXX XXXX
Consumer complaint received 2018-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed bankruptcy only one was XX/XX/XXXX, My Trans Union was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect information.
Consumer complaint received 2021-11-10
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: SYNCHRONY FINANCIAL (NY)

Someone tried opening accounts with this creditors. This accounts do not belong to me : SYNCB/TJX CO Bank Credit Cards SYNCB/TJX CO Bank Credit Cards XXXX N A XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: QuickClick Loans of Illinois, LLC (WI)

I called XX/XX/2018 at XXXX to talk with a manger to see if I could settle this dept with the company the young lady could not find a manger at the time for me to speak with I was put on hold for 30mins to her coming back on the phone saying the company only has three options for me Is a XXXX dollar offer or 20 payment at XXXX dollers that will add up to XXXX over the amount I own or pay nonthing and theyll going to sue me for the whole loan amount I told the lady I didnt not have that type of money I have XXXX dollers to my name I XXXX and not working and they can have the XXXX I dont even have a place to sleep she said thats all theyre offering I said can I please spread to the manger thats told you that why cant he get on the phone she said he in a meeting I repeat it I did not have XXXX or XXXX for 20 payments Im XXXX and not working she said well well going to sue you and hung up on me than I got a email saying theyll going to pursue any legal action against me the dept is 4years and 2 mos old I was calling for help and I didnt get it
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Hello, In XXXX/XX/XX/2017 I opened a checking account with Wells Fargo under a promotion to receive {$200.00} with certain quailfying activities. I met those activities within the required time and soon thereafter, while waiting for my bonus to be issued, my account was closed by the bank. 

I called and was told it was closed because the account was " not sufficiently being used ''. After opening a claim with their customer service they said I did meet the qualifying activities and would need to go into a branch to receive my bonus. When I went to the branch the banker had no knowledge of the bonus and said I would not receive it. I since opened a second claim that, upon following up today, they now have no record of it. 

I have to date opened two claims with their resolution department, upon which after follow up, their reps are unable to find any record of.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a mortgage with XXXX who unfortunately sold it to Capital One. Capital One and I ended up going to court, as they refused to take my payments, stating I owed escrow which was not true. Once that was settled, I tried yet again to make my payment. Yet again, they stated my payment was much more than agreed upon ... they included the escrow. I tried for several months to make my payment. Capital One refused, and kept significantly increasing the amount I owed and the total loan balance skyrocketed!!! I originally owed ( allegedly ) {$70000.00}. They then increased it to {$77000.00}. Now they show {$90000.00} - all in less than a year. After refusing to take my payments again, they sent my loan to XXXX XXXX XXXX XXXX. I went on line to establish an account with them, and hopefully talk to someone. When I tried to pay the {$7400.00} they claim I owe, I was refused to be able to pay it. THIS IS INSANE, CRUEL AND I PRAY ILLEGAL! I called them and was told Capital One 's attorneys are handling this now. XXXX XXXX XXXX # XXXX. I obtained an attorney - XXXX XXXX # XXXX. PLEASE help me get my mortgage down to what I truly owe and let me pay it!! THANK YOU SO MUCH!!
Consumer complaint received 2020-09-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.