davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

Upon attempting to legitimately transfer funds to my mom, the transaction was cancelled and my MoneyGram account was suspended. I have not committed a fraud, and my transaction should not have been flagged as fraudulent. My mom and I called money gram and spoke with someone in the XXXX named XXXX, transferred me to XXXX, with online services. XXXX stated that she can only speak with the account holder, when my mom asked what department was reached. XXXX obtained my name, dob, and phone number then asked me to hold for 2-3 minutes. She returned, stating that MoneyGram was not comfortable with completing the transaction, and for security reasons, cancelled it. She added that the refund was approved and {$1400.00} would be returned to the account within 3-10 days. She added that I should go into the store to complete the transaction. When my mom asked her what was the name of the company we reached, and to speak with a supervisor, she repeated what we overheard her being coached to say, that they could not conference the call and she could only speak with the account holder. I told them that I am the account holder and my mom has permission to speak. My mom asked to speak with the person who was coaching her, XXXX then stated that she will have to disconnect the call. 

If the transaction itself raises a question, why is it ok to sent it from a MoneyGram location.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

I recently saw a collection account that was placed on my XXXX credit report added by a company called Vance and Huffman , LLC. The amount is for {$820.00}. It also states that the account was opened on XX/XX/XXXX. 

This is incorrect and I have not received notices from any collection company, nor have I received any phone calls from individuals claiming that I have a debt. 

In fact, this account is older than XXXX ( XXXX ) years and should not appear on my credit report. 

I am requesting that this illegal collection be removed from my credit report immediately I received a nearly XXXX drop from this. I am furious. I have no debt, and I take pride in that fact. 

I did go through a hardship in XXXX, but I paid all of my debts in XXXX swoop and have not had any defaults since. 

This practice should be investigated as it is not the first time a debt older than XXXX * ( XXXX ) years has appeared out of nowhere. 

Ironically, I started using the service XXXX and did so for nearly XXXX years when I canceled my subscription. About a month after canceling, a debt that was nearly XXXX ( XXXX ) years old appeared on my credit report. I ended up contacting XXXXXXXX and signing back up with them to remove the illegal collection. I was on auto-pay with them for nearly another year when XXXX of my cards was compromised during travel. I let my XXXX subscription cancel and never re-signed. Now, just a few months later, another old collection is popping up. 

I am submitting a separate complaint against XXXX as I believe they are sharing canceled membership information with third-party collection agencies in an attempt to get members who've canceled back as customers.
Consumer complaint received 2020-09-22
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 (TX)

Called XXXX XXXX about inquiries I didnt recognize on my report and asked them to remove. They did not .even after I contacted the people and they acknowledged I didnt authorize. 

1. Capital one 2. XXXX XXXX  3. XXXX  XXXX  4. XXXX  XXXX  5. XXXX  XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings  regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IN)

On XX/XX/XXXX I booked and fully paid for a cabin rental with XXXX XXXX for a stay from XX/XX/XXXX-XX/XX/XXXX. 12 days after we departed ( XX/XX/XXXX ) I was charged an additional {$460.00} for " damages ''. We did not cause any damages during our stay. Discover Card allowed the merchant to charge me and refused to reverse the charges after I disputed.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Recently heard about the Wells Fargo Lawsuit. I heard that I might be entitled to some reimbursement, but I have not received any checks or money from Wells Fargo. I'm not entirely sure if I qualify, but I wanted to check and see if I do. I've had my Wells Fargo account since 2015, so I believe there's a high probability that I am owed something.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Hatfield, Inc. (TX)

I am writing to express my urgent concern regarding my inability to access funds held in my Grid Card account. Grid Support informed me on XX/XX/2024 that my Grid Card, issued by XXXX XXXX XXXX XXXX, is currently frozen due to issues with their credit services provider, XXXX XXXX XXXX XXXX XXXX. 

This freeze has caused significant disruption to my financial affairs, preventing me from accessing my money for essential needs and causing me to miss out on time-sensitive opportunities. I rely on these funds for food and bills. 

I am deeply concerned about the lack of communication and transparency regarding the timeline for resolving this issue. I have been given no clear indication of when my funds will be accessible again. This uncertainty is causing me significant financial hardship and stress. 

I am requesting the Consumer Financial Protection Bureau 's immediate assistance in resolving this matter. I urge you to investigate the actions of Grid, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, and to ensure that I am granted access to my funds as soon as possible.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDRaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

At the end of XXXX, I received a physical letter and searched online. The welcome bonus offer was the same ( Earn {$300.00} back after spend {$1000.00} in purchase on new card in the first 3 months. ) So I applied online. However, after I made the goal and waiting for 2 months without receiving the offer, I tried to contact their customer service, and the answer I got was the offer was {$250.00}, not {$300.00}. I provided the application screenshots to them. Unfortunately, on XX/XX/XXXX, they only gave {$250.00}. This is not the same as the advertisement promotion. I think its unfair.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to follow up on my previous communications via mail and the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all XXXX bureaus. 

and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) continues to report the payment history different on all XXXX bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I XXXX XXXX was a victim of pressured sales tactics by a salesperson, I was promised that my personal information would be private and not exposed to the public at signing in XXXX Ohio at the XXXX XXXX car dealer, in desperate need for a vehicle to save my job I signed in XXXX later for the vehicle to break down for a damaged engine in XXXX causing me to lose my job. Afterwards harassed consistently by Credit Acceptance lender for Payment. I reviewed my credit just to also find that my rights have been violated According to the Fair Credit reporting Act 15 USC-1681 b section 602 A Which state, I have a right to privacy. I was very embarrassed and humiliated getting my Credit pulled by other resources. I also was violated according to Act 15 USC-1681 A section 604 A section 2 which also states a consumer reporting agency can not furnish an account without my written instructions. I wasn't aware of any Discrepancies with Credit Acceptance with other Borrowers throughout the nation. I was never informed by the dealer for other options, I too will also have to seek for legal actions concerning Credit Acceptance in the Unlawful practice between the dealer and lender. Please help!
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (SC)

When I called in last month XXXX let me know she was over the store now and she gave me incorrect rates. I let her know I have my contract on the TitleMax app and she was wrong. She continued arguing with me until I asked for the corporate number. I spoke with XXXX and she advised XXXX was wrong and said that she would be trained. She asked if I needed anything I said no I was trying to help myself and others to not be deceived. XXXX even called me back to let me know she spoke with XXXX. This month XXXX called me on Monday to let me know I was late I let her know I would pay on the app on Friday. Tuesday I get another call from XXXX asking me when I would make a payment I let her know I just talked to her Monday and she called my sister. On Wednesday she called again I let her know it was harassment at this time because you already know and you dont need to call me everyday and that was against the law to harass me. I called the district office again and left a message for XXXX At XXXX XXXX , XXXX was on vacation. The store that Im referring to is on XXXX XXXX XXXX XXXX. I am XXXX and this is really bothering me medically so I need help. I have attached the 3 days in a row TitleMax have called me and Ive spoken with them. Its harassment.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

5/3 Bank severely mismanaged my escrow account causing a deficient of {$3700.00}. They bought out my mortgage in XX/XX/XXXX. They mismanaged the property taxes for my property for XX/XX/XXXX. They said they thought my property taxes were {$330.00} when in turn they were paid the previous year as {$2400.00}. My prior mortgage company paid the appropriate taxes the year before but they said they had no idea what the correct amount was for. How could this be? I have had numerous mortgage companies buy out my mortgage for 15 years and have never had this issue before. They also did not even pay my mortgage insurance when it was due in XX/XX/XXXX. I had to pay it so it would not lapse. This company mismanages and does not treat its customers fairly!!!! DO NOT GET A MORTGAGE OR DEAL WITH THIS COMPANY!!!
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XXXX  experienced homelessness and still am. Unable to pay the debt off. Unable to get a new vehicle to get back forth to employment. {$14000.00}. XXXX tried to garnish wages or come up with payment plan which I was unable to agree with.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I entered into a settlement agreement with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I have been making monthly payments to Mr. XXXX and XXXX , XXXX beginning in XX/XX/2017. 
It is now time for my final payment. I contacted Mr. XXXX, and they seem to be out of business. Another law firm named : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX answers the phone with a voice recording. NOBODY EVER RESPONDS, THEY PUT YOU ON HOLD THEN ADVISE NOBODY IS AVAILABLE. 
Mr. XXXX XXXX email are returned undelivered. 
Originally, I was sued on this account with XXXX , XXXX. Therefore, the final payment is crucial so that this matter can be removed from my credit report. 
I was NEVER notified that Mr. XXXX XXXX office was closing. Therefore ; 1. Who received my payments? 
2. Why wasn't I notified if Mr. XXXX XXXX office closed? 
3. XXXX XXXX XXXX , XXXX does not answer the phone, and who are they. 
Please help me to have this removed off of my credit report immediately. 
Thank you.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Good Morning! Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union provides a grace period to pay your mortgage payment that is due on the 1st of each month. The grace period before being charged a late fee is the 15th. They keep calling after a day of being late and say that it is just a courtesy call. It is harassment because they continuously call even after being told I am going to pay them before the 15th.
Consumer complaint received 2019-10-30
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (GA)

I have been reported as a delinquent payment for my Synchrony bank account even thought I have sent prove of payments. Issue started from day one with them when my first and second payments where put in on their end into the same month statement. Then due to discussions about this and waiting for resolution they took another payment as late and increase my monthly payment for about 30 usd with out letting me know. My statements where supposed to be received online due to my travel times and they never took my request ; I moved and did not received notice or statements requesting additional payment. For a year I was making my regular payment and two weeks ago that I contacted them because I need to re finance my home was told I was delinquent by consumer report agency. I call bank right away and was told to send proof of payment which I did and today I had to call them again and was told they will not fix this. 
I believe its very unfair and would like to take legal actions against bank now that this is causing me additional troubles to re finance my home.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/year> for XXXX and Experian but paid on time to XXXX XXXX 
XXXX is showing late XX/XX/year> for XXXX but paid for XXXX, and late XX/XX/year> on XXXX but paid for XXXX. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against XXXX XXXX and Experian unless these accounts are made right to show paid on time.