davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I used the MoneyGram app on XX/XX/2022 to send {$150.00} home delivery service to XXXX XXXX the XXXX XXXX. Transfer # XXXX I regularly send transfers in the same manner to the same person and occasionally to other relatives. This time however, the money was not delivered at all. The app however stated ( and it still does ) that the transfer was successfully received by the intended person, hence I didnt think anything was wrong. 
On XX/XX/2022 I spoke to the recipient, I casually asked her if she has d received the transfer, and she told me that she hadnt. I immediately contacted MoneyGraXXXX via the chat function on the App. I spent about XXXX minutes chatting back and forth with a customer service agent. She asked me to wait several times because she was investigating the transaction. By the way, I have screen shots of the entire exchange. 
In the end, the customer service rep.told me that she was going to open a case for me because there was an issue with the recipients financial institution and they couldnt pay the transfer. 
I asked what the problem was and was not given any specific reason. I asked her If there was an error of some type on the personal information i entered, and asked her to help me correct it if that was the case. I was told that they couldnt make corrections to transfers that were already sent. 
Then I asked her to cancel the transaction and refund the money to the account I sent it from so that I could do the transaction over. 
I was told that they couldnt do that either. 
That I had to wait 90 days for the case to be solved and I would hear back from them then. 
I said absolutely not! That I had no guarantees anyone would call me or reach out in 90 days. That the app says the transaction was paid so basically I just lost my {$150.00} plus the fee. 
I argued my case as much as I could and in the end all I got was a link to a complaint form. 
I reluctantly completed it and havent received any response. Not even received an automatic reply. 
This same thing happened to me last year with a different transfer to a different relative. At that time I believed that maybe the relative was lying to me but I realize now that MoneyGram was the one lying. The 90 days in that case came and went and I never received a call, an email, or a response or any kind. They simply stole the money. 
How many people does MoneyGram do this to?

Its outrageous to me that such a huge company can not issue a refund if there is some sort of issue with a transaction. How can they get away with simply keeping transfers from their customers? With not replying to complaints? I have been using their services for years. My records are there. I am hard working, law abiding citizen yet I have no voice. 
I hope you can do something in my case and in the case of other people like me who have no resources or tools to fight this type of abuse! 
Thanks in advance for your assistance.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (AL)

I would like for the company to provide me with the original promissory note or a certified copy of the original note of debt, a copy of the repayment schedule, a complete statement of payment history. As well as copies of all approved deferments and or requests for cancellation. I also ask that this company provide a copy of the notice of the effective date of acceleration and the total amount due. This company has not lawfully validated this debt before placing it on my consumer credit report and is actively participating in DEBT PARKING which is illegal and I will be referring this to the FTC as well please provide me with a trilateral contract. I would like for this company to provided certified receipt of debt, assignment of Debt, Validation of Debt and the method of verification of said debt or to delete the associated account from my credit profiles.
Consumer complaint received 2021-07-12
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: Creditors Bureau Associates (GA)

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$770.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I deposited an out of state cashiers check for {$950.00} to my local Chase branch and the cashier put the check under a light and then thru a scanner. The funds were immediately available in my account with no hold. A couple days later the check reversed, leaving my account overdrawn. When I called Chase today to inquire why they reversed the deposit, the rep said that the cashiers check was altered and refused to accept. The rep was rude and basically told me it was my own fault for not waiting to use the funds. 

Our Attorney General suggested that I contact you about this situation because, Chase should be able to provide protection, since their teller checked its authenticity twice ( under light and thru scanner ).
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a home refinance in XXXX, XXXX XXXX from Amerisave said I was qualified and needed {$500.00} for a home appraisal. In mid-XXXX the underwriter said she would have to send it back to XXXX because I do not qualify. I called XXXX for 2 weeks and he won't return my calls so I called and emailed his boss on XX/XX/XXXX to XXXX XXXX. He said he would contact me in a few days and I still have heard nothing. There are many complaints online about this company taking {$500.00} from people and doing the same thing.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate   help
Consumer complaint received 2019-08-12
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. (NC)

I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate help
Consumer complaint received 2022-02-02
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. (MS)

My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted XXXX, XXXX, Transunion, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (TN)

Republic finance wants me to pay XXXX dollars for an attorney fee to remind me that I'm late on my loan after I already paid a late fee. 
The contract doesn't state how many days I have to be late to pay an attorney fee and Republic Finance keeps harassing me over the XXXX dollars attorney fee. 
A Republic Finance employee told me on the back of the contract it states " I will pay you all cost you incur in collecting this note '' but I was told by Republic Finance when getting the loan all I had to do was tell them I was going to be late and when I was going to be able to make my next payment but they said the XXXX dollars fee is not on the contract but it doesn't mean I don't have to pay it even after paying the late fee.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-04
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. (NC)

I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Networks C/o XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company has fraudulently charged me with nonsense fees and late charges. 
I had been paying the installments every month regularly and have already paid more than the principal amount. 
After closing the account they still keep fraudulently charging the fees. 
This needs to be stopped.
Consumer complaint received 2023-01-31
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: Bread Financial Holdings, Inc. (HI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2020-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (KY)

I notified Sallie Mae in XX/XX/2019 that I was enrolled in a university program by uploading the documents they included on their website once my university filled it out confirming my enrollment status and what dates I was likely to be enrolled. Sallie Mae sent me a generic rejection letter on XX/XX/2019 ultimately saying that the form -- their own form which was completely filled out -- was rejected for possibly a number of reasons. So after a call to them I discovered that the reason they rejected it was because the school official electronically signed the paper instead of paper signing it, even though they maintain an option to upload this document electronically and give no upfront mention of this requirement ahead of time. They have still been charging me and I have been paying them until recently when the pandemic started to negatively affect my finances. So, in XXXX of this year I had the form redone but this time Sallie Mae rejected it stating that it wasn't filled out by an authorized school official -- -even though the same information was included on the previous one as well. Requiring someone to go in person to the school, even though all my classes are online and all my other business for the school is done electronically, for a signature that can be obtained multiple ways with our technology is unnecessarily reckless and dangerous in the current pandemic. I accuse them of being predatory by refusing to acknowledge my in school enrollment on their own completed form and of continuing to charge me for loans that should've been deferred months ago.
Consumer complaint received 2019-08-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (ID)

I would like to know how New Day Financial ( NewDay USA LLC ) obtained my address and my information. I have registered with the Do Not Mail list, the DMA choice, The Idaho Attorney General, and I have contacted the NewDay USA LLC to stop. I continue to get letters from this organization. I do not want their services, and I would like this to end. NewDay USA LLC will not disclose how they obtained my address, or even how they know I have a mortgage backed by a VA guarantee. I am tired of my private information being sold and bought without my consent. This needs to stop. Next I will be writing a letter to the Senate Banking Chairman Idaho Senator XXXX XXXX. This abuse of information needs to end.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (NY)

Submitted a fraud case to Simple Bank ( bank ) and XXXX ( where charges occurred ) XX/XX/XXXX. XXXX asks me for details from Simple XX/XX/XXXX. XXXX denies fraud because the amount was consistent with my spending pattern on XXXX. This is completely false. I rarely used XXXX mostly for transactions less than {$25.00}. The charges I disputed were over {$3000.00}. In XX/XX/XXXX Simple decides one of two Charges for me in favor, one not in favor. Surprising because the issues were the same for each claim. As a result a provisional credit became a credit and one was taken back and the charge Stood. I asked for copies of the determination and evidence reviews in XX/XX/XXXX. This was and still has never been provided after a years worth of requests. They keep making excuses and Ive asked for management intervention which never happened. It is still outstanding as of the date of this request over one year now. 

I was contacted by a bill Collector for XXXX in XX/XX/XXXX. I never received any kind off notice from XXXX that there was an amount due. I did not respond to the collector and asked for information from Simple to determine why I was in collection and to address XXXX. Never received. Since then a new collector was assigned and a notice from XXXX was also sent about the balance. I asked XXXX for their information regarding the process of the fraud and resulting actions. They have refused to provide any information u til I speak to their Collections department. I will not contact their Collections Department without appropriate information. 

The last time I asked for the information from Simple was yesterday XX/XX/XXXX and I got some generic response that had nothing to do with anything. 

Please note I also contacted BBVA USA who I thought was the parent company of Simple. Twice I was told they have no responsibility for Simple Bank. 

Recently it was announced that Simple was sold to another bank. After that it was announced That BBVA USA was taking over the Simple accounts as the parent organization. I just received tax information for the Simple accounts done by BBVA USA which appears contrary to their denial of any relationship. 

Please help.