davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I requested of MoneyGram that they transfer funds from my XXXX XXXX checking account to an individual in XXXX XXXX California. Money Gram logged me into their online portal where I entered the information requested to initiate the funds transfer. I was given a MoneyGram transaction number online acknowledging the funds transfer was in progress. I was then sent a code # for the person in XXXX XXXX to collect the {$500.00} cash transfer at a XXXX XXXX. When the code # was entered into the Money Gram machine the person in XXXX XXXX was notified that the funds would not be made available. The process was repeated multiple times. When I learned that the funds were not going to be available I called MoneyGram customer service. I was told that the transaction would not be processed and my {$540.00} would be return in 5 to 10 days. The explanation for not allowing the funds to be distributed was that MoneyGram decided not to give my money to the person in XXXX XXXX. Curiously, that gentleman is married to a woman that I sent {$350.00} to using MoneyGram two week before. I am embarrassed, my friends are embarrassed and the promises made by MoneyGram for service were not kept. AUTH # : XXXX PICK UP REF # : XXXX
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (CA)

Gm Financial illegally took my car while I was in it. Gm Financial also charged me usury interest rates on my loan. During a look into their financial records I found that they sell their debt to pass through companies that run it around the country into various state before being sold to major banks and the sold as cdos to private investors. When the debt is in the hands of a private citizen is it not subject to usury?
Consumer complaint received 2019-02-26
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: AMERICAN EXPRESS COMPANY (GA)

First of all, it is very difficult to speak to someone at American Express they are transferring you to multiple reps that are not assisting you, I have several inquiries that were administered by American Express upon applying for 1 card with that being said I am a victim of identity fraud and what is happening before the company speaks with you they are already doing a hard pull before speaking with me and once they speak with you they are doing another hard pull after speaking with me why is the company doing multiple inquiries within 1 week when I only applied for 1 business card but there were 2 additional inquiries done and none was able to explain, they give you credit fraud information phone number and they will state to call credit bureau, you call the credit bureau and they state call American Express since the inquiry came from them. All I ask if American express removes the inquiries as I had no other additional service but the 1 card.
Consumer complaint received 2023-05-07
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. (FL)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-07-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

visited TransUnion website on XX/XX/XXXX to put a freeze on my credit checks. Website asked for my personal information including a credit card. I checked the boxes indicating that I wished to freeze my credit checking for both TransUnion and XXXX. Never was there a quoted price for doing this ; however I then received an email stating that I had made a payment for {$19.00} to TransUnion and had signed up to their monthly service. I attempted to call them to resolve this but ending up spending XXXX minutes on hold and never speaking with anyone. Called them again on XX/XX/XXXX and still can not get through. I will be contacting XXXX XXXX and disputing this charge.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I AM A NATURAL PERSON, in FACT CONSUMER, Im a native of this lane, THIS COMPANY IS COMMITTING FRAUDXXXX DOES NOT HAVE MY PERMISSION TO USE MY INFORMATION, I HAVE SENT SEVERAL CEASE & DESIST, I AM FILLING A COMPLAINT IN SMALL CLAIMS COURT XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT!
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX BankruptcyXXXX Chapter XXXX Bankruptcy-XXXX Chapter XXXX XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colten Mortgage, LLC (TX)

We received a letter, which looks very official stating numbers and file IDs, but it's actually just an ad to push us to contact this company and refinance. The top of the document looks like a Tax letter, the middle states all our home information, and the request to call us seems urgent as it states several times throughout the document.
Consumer complaint received 2021-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Transunion, and XXXX  are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with XXXX yet they are reporting.
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (AE)

Opened a TD Bank XXXX Financing Account to purchase a XXXX phone. Traded in two devices to receive promotional credit towards cost of phone. XXXX never processed the trade ins and have revoked my trade in credit. Was supposed to receive XXXX USD in trade in credit.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My family and I have been in the process of closing on our new house since the original date of XX/XX/2021. We began the mortgage process back in XXXX on the XXXX. Our loan officer at Bank of America, XXXX XXXX, has been stalling and/or unresponsive for most of this process. He will respond hours to even a few days later and never give all information slowing the process. 
For the past 3 weeks they have been telling us that they needs verification of my employment, however ; after 6 different attempts and steadily stalling it still had not been completed. We have accumulated over {$1000.00} in hotel cost, over {$200.00} in storage fees for our household items, and all he does is laugh at our experience. We have a XXXX year old daughter and dog, we should be in our house, not a hotel room. After all the stalling and lack of communication, we are looking to loose our house over this. Can you please call us once you have received this complaint at XXXX. Thanks
Consumer complaint received 2023-01-20
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. (MA)

I sent out a letter disputing incorrect information to TransUnion and XXXX on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from the credit bureaus.
Consumer complaint received 2018-10-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Richard T. Smith, PC dba Smith Cavin & Corbin, LLC (PA)

Closing Date. XX/XX/18 Settlement Agent. Smith Cavin & Corbin , LLC File # XXXX Property. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Seller : XXXX XXXX XXXX I'm filing a complaint regrading the monies awarded to the realtors by the settlement agent. Each realtor was to receive {$3100.00} according to the Closing Disclosure and a verbal agreement. Instead the realtors, XXXX and XXXX XXXX XXXX received {$6300.00} each. We tried contacting the parties involved but haven't received a response. We agreed to 6 % commission to be devided between the two realtors. At closing the settlement agent changed the amount agreed upon without our knowledge. Neither a final Closing Disclosure or an admendment were forward to us.The settlement agent also informed us that we didn't have to be present at closing. My mother recently relocated to Delaware due to medical conditions. I would appreciate CFPB looking in this serious matter. Thank you. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-03-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NC)

On XX/XX/XXXX i set up online a domestic wire transfer from my discover money market account for {$4500.00}, i then called and spoke to a discover agent who told me they are reviewing the wire instructions and if no problem should go by XXXX XXXX on that day. 
The recipient sent me a message on XX/XX/XXXX that he did not receive the wire as i had promised, i called discover bank immediately, the first agent hung up on me, i called back and the next agent told me my wire transfer will not go, that it was a business decision by discover, that my options were ACH or certified check, which i declined. I sent my recipient the money with paypal. 
On XX/XX/XXXX i was shocked to get an email from discover that my wire was processing, i immediately called discover, the agent apologised, refunded my wire transfer fee and told me the wire was going to be recalled. Till date i have made several calls to resolve the issue with no success, i spoke to a supervisor by the name XXXX, who told me she has taken over the case and will be updating me on it and that she will investigate my initial call when i was told the wire will not go out for business reasons by discover, i have not heard from her since then, i left message for her to call me but she has not till date called me back. 
I have had paypal refund me the money so i dont need the refund from discover, but i have to put this out so that discover bank is corrected from doing this to someone else, i believe i was treated this way because of my sociodemographics factor.
Consumer complaint received 2022-04-07
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian XXXX points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.
Consumer complaint received 2017-09-15
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. (TX)

In Regards to my XXXX XXXX XXXX # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX XXXX began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which XXXX has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z
Consumer complaint received 2018-10-09
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. (NY)

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners (MD)

Since XX/XX/2021 I have been receiving repeated and harassing telephone calls from Affiliate Asset Solutions a debt collection agency located in XXXXXXXX XXXX, GA. The debt is unknown. In addition, Affiliate Asset Solutions has deliberately falsified the information transmitted to my caller ID display in order to disguise their identity. I have recorded calls from ( XXXX ) XXXX and ( XXXX ) XXXX. I was able to trace these numbers as belonging to Affiliate Asset Solutions. Their registered telephone number is ( XXXX ) XXXX. On XX/XX/2021 a recorded voicemail message from ( XXXX ) XXXX was left stating " court action '' was being taking against me. The message is believed to have been left by Affiliate Asset Solutions. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) a collector is required to send a written " validation notice '' within five days of first contacting you. However, I have not received this notice from Affiliate Asset Solutions and the right to dispute the validity of the alleged debt.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX