davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2017-09-13
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. (MA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (PA)

I agreed to a payment arrangement with Ditech to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that Ditech had purchased and collected on. Ditech stated that the payments would reflect on all three credit reports, XXXX, XXXX, and XXXX. I have sent multiple requests to Ditech, XXXX, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from Ditech that state the account was defaulted on in XXXX, charged off in XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and XXXX. XXXX lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. Ditech stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices Ditech used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

i have never used moneygram prior to yesterday XX/XX/2021 i signed up and created an account online I have lived at current location for 20 years own a home with no mortgage. I have had banking relationship for over 20 years. 

I sent money to XXXX ..to a friend. 
money was taken from my account from an international private bank 5 minutes later i received a cancelation of transaction notification ( no reason given ) one minute later canceled my profile for potential fraud ( no reason given ) They will not provide information nor tell me the actual reason they canceled the transaction and my account with them they are keeping my funds for a number of days and say they will return to the bank. So they acknowledge receipt of the money from me I completed my transaction thru XXXX XXXX ( who i also have never used prior to yesterday ) I wish to file a complaint against moneygram. they will not disclose what it is about my profile that makes them think my profile may be fraudulent i can not talk to the fraud department at the company as they do not talk to customers. 

CUstomer service says they can provide no information. 

corporate legal department has a recording and no way to talk to their attorney their internal complaint line does not answer it just rings
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On the XX/XX/XXXX, I sent in letters regarding inaccurate reporting of false items on my credit report. I have not received their method of verification nor the results of their investigation. I feel like I'm being ignored of my claims and disputes. These are deceptive practices of the bureaus.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (FL)

XXXX XXXX purchased our mortgage in XX/XX/XXXX. Our insurance and taxes at this time were escrowed. In XX/XX/XXXX I received a letter saying our insurance hasn't been paid, at that time I assumed the insurance was going to be paid before the cancellation date of XX/XX/XXXX. On XX/XX/XXXX, I received another letter from our insurance carrier ( XXXX XXXX XXXX XXXX ) that XX/XX/XXXX is the final day for payment or we would be cancelled. I called XXXX XXXX  spoke with XXXX ( a supervisor ) he said he would take caf of the problem it was an " internal issue '' and it would be taken care of. They were waiting on approval from their insurance department. I assumed it was taken care of only to have XXXX XXXX XXXX email me to ask about new insurance. I then purchased new insurance but withheld payment until I spoke with CMG. On XX/XX/XXXX I spoke with XXXX from CMG and told her they needed to pay for the insurance because they have my money. She agreed they dropped the ball and have XXXX XXXX XXXX send them an invoice they would pay the bill. On XX/XX/XXXX XXXX XXXX XXXX sent the invoice with proof on insurance to CMG for payment. As of today XX/XX/XXXX the bill has not been paid and its about to expire on XX/XX/XXXX. I called CMG on XX/XX/XXXX at 8:30am spoke with XXXX ( supervisor ) he stated they received the proof of insurance on XX/XX/XXXX ( not true ) and he would process the request and it would take 3-4 business days to issue a check and it would be overnighted. This would put us outside the window and XXXX XXXX XXXX will cancel the policy. I have spent over 3 hours on the phone over the last 1.5 months only to listen to lies about my money and my insurance. I have since left my Credit card with XXXX XXXX XXXX incase the bill is not paid by XX/XX/XXXX. I should not have to do this. Also, because of lapse of insurance my premium increased over XXXX a year. XXXX XXXX XXXX direct line XXXX ext XXXX. This truly needs to be investigated. 

Thank you
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (SC)

Back in 2016, I opened a credit card with COMENITY BANK/EXPRESS , I personally paid it off and closed the account. They will not take it off my credit report. They have no phone number to contact, only a po box . I have disputed with the company twice and they refuse to remove it from my credit. The highest amount was {$140.00}, and I never went over the amount they gave me.
Consumer complaint received 2018-06-20
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: WELLS FARGO & COMPANY (PA)

I have submitted multiple requests to Wells Fargo Home Mortgage, XXXX, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to Wells Fargo, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either XXXX or XXXX as being late, that it was reported as an on-time payment. I contacted Wells Fargo by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and XXXX reports. Wells Fargo stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. Wells Fargo stated that I needed to submit the letter from Wells Fargo to XXXX and XXXX   for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both XXXX and XXXX will not correct the reporting of these two months. All Reponses state that both XXXX and XXXX confirmed with Wells Fargo that the payments were reported correctly. XXXX and XXXX completely ignored the letter from Wells Fargo stating there were not reported correctly. During the last dispute, XXXX   changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.
Consumer complaint received 2021-07-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capitol One Auto XX/XX/15 Account was Opened. Account has been paid in full, I had some late payments but again account has been paid off for sometime now. I would like this to be removed from my credit report, this is affecting my credit score.
Consumer complaint received 2021-04-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, Transunion dropped my credit score down XXXX points eith reason accaunt removed from XXXX XXXX XXXX, in fact I did not closed any account for last 12 months. Also I did not open an account last 12 months. I called XXXX  XXXX XXXX and tgey conferm me they did not report anything negativ about me. Also they said ; you are XXXX  costumer at XXXX 
Please investigatey case becaise i had same problem and last month. 

Thank you in advance!
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2022-10-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I filed an investigation with XXXX XXXX XXXX and Experian on XX/XX/XXXX and I still havent gotten no information back on the investigation
Consumer complaint received 2022-09-12
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: CAINE & WEINER COMPANY, INC. (MA)

CAINE & WEINER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXXXXXX XXXX ( XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name COLLECTION Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COLLECTION XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO XXXX XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (VA)

Republic Finance has called 26 times between XX/XX/XXXX, and today, XX/XX/XXXX, sometimes 2-3 times per day. I have contacted their attorney and have been paying monthly as requested, but they keep calling me anyway. I told their representative XXXX today I am communicating with Republic 's legal counsel and current status of payments, and their incessant calling is harassment, and I requested they stop calling me. XXXX responded that Republic will stop calling me. I will continue to monitor to see that they will stop.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

I am unable to open a XXXX XXXX checking account via https : XXXX. The checking account is open to all people, even if they are not a XXXXXXXX  customer. I get a generic decline notice on the site and email ( attached ). I applied on XX/XX/2021, on decline, I called the number listed XXXX and spoke to a representative who said they were unable to assist, but to contact XXXX XXXX  for support even though I am not a XXXX customer. After contacting XXXX XXXX, they told me to call XXXX to get support. On XX/XX/2021, I called that number and was told they were unable to help. After requesting to speak to a supervisor I was transferred. The supervisor told me that there was no way for me to open an account and that further escalations with XXXX XXXX wouldn't be possible since I don't have an account number. They have not told me why my account was declined and have not provided notice of a decline due to an adverse action on a checking account report.
Consumer complaint received 2020-08-19
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)

I downloaded the app XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXXXXXX {$11000.00} XXXX XXXXXXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX  XXXX {$88000.00} XXXX XXXXXXXX {$21000.00} XXXX XXXXXXXX {$320.00}
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (CO)

I received an unsolicited debit card from USBank. I did not apply for this card and am concerned that by them sending this card in the mail is potentially causing me a risk of identity theft. I tried on several occasions to talk to them and was passed to three different departments to a point that the automatic phone tree options would not let me even talk to a representative.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have three parts of the bill : standard purchases, promotional purchases, and easy pay contractual agreements for a fixed payment each month. The company policy is if a consumer wants to allocate payment a specific way, a consumer must call in and request an allocation of funds. On XX/XX/XXXX, I called XXXX in and spoke with a Paypal representative ID XXXX. All conversations should be recorded, as I was told. I made a payment of {$490.00} and ask to allocate the money as follows : 1. {$130.00} to close all my standard purchases ( meaning that balance that incurs interest should be XXXX  ) 2. {$40.00} to easy pay ( the initial agreement is {$40.00} on the XXXX of each month ) 3. {$320.00} to cover promotional charges. Paypal/SYNC took the money but never allocate the funds as requested. I called in on XX/XX/XXXX, and spoke with agent ID XXXX, then XX/XX/XXXX ( agent ID XXXX ),  then on XX/XX/XXXX ( agent ID XXXX ), and then XX/XX/XXXX spoke with XXXX. The requested allocation never occurred as requested. Only promotional charges were covered and the rest of the money went to easy pay account still leaving the standard purchases intact. Today, I received a new statement, and the bill shows that I still have the standard purchases of {$130.00}, meaning that interests were charged. I called PAYPAL/SYNC several times and sent them letters ( I also have copies ), but nothing has changed. It looks like SYNC is overcharging consumers or do some other actions that confuse consumers. I need SYNC to allocate payments as requested and stop charging me unnecessary interests on the purchases that should be paid on XX/XX/XXXX.
Consumer complaint received 2022-08-05
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 have noticed some fraudulent accounts on my credit report. I have submitted a complaint with the Federal Trade Commission. I have also attached my documents and report. Please remove these accounts from my report. Thank You!
Consumer complaint received 2018-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (SD)

I opened two accounts with American Express National Bank, one for a high yield savings account and the other for a CD. I sent in the deposit slips by mail, and because I was uncertain which slip went to which account I wrote on each check where I wished it to go. On the {$20000.00} check I wrote on bottom left high yield savings and on the {$3000.00} check I wrote CD account. Recently I received a letter listing the CD as having {$20000.00}, and I also learned the high yield savings had {$3000.00}, which was the opposite of what I intended. I called last week and was told that the accounts would be switched and I should call the next day. I called the next day and was told they are working on it and I should call early next week to confirm the transaction. I called early the next week as instructed, and was told that the banking operation team determined it was not a banking error. I asked to speak with a team member and was told they can not be reached by the public. I went through several supervisors and received the same robotic answer - it is not a banking error. I was also told that if I wanted my {$20000.00} switched to the high yield account or sent back to me that I would have to pay {$780.00} in penalty ( 540 days of interest ). I asked why they had not called me when they saw the discrepancy and was told again the banking team determined they were not at fault. I believe the deposit slips are very deceiving, and since they look identical it would be easy to confuse which went where. I asked to have the slips sent to me so that I could see how the bank decided they were not at fault, and again I was put on hold, then was told it would have to be approved and I could contact them in 7 to 10 days to see if it was.

I am XXXX  years old and in no way wish to tie up {$20000.00} of my savings in a 5 year CD. I believe they took advantage of a situation and now have my money although I clearly marked where the checks were to go. XXXX XXXX XXXX XXXX has only one phone number and the people who answer are obviously trained how to field complaints, how to put one on hold, and how to defer giving answers. This bank seems impersonal, deceptive and difficult to deal with.