davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (MI)

I bought a money order on XX/XX/2022 at XXXX # XXXX of XXXX Michigan for {$600.00} as a way to keep my cash safe instead of carrying that amount with me. I was assured I could cash it to myself. Tried to cash it at the same store and was told I had to wait XXXX hours exactly from time of purchase. Came back after XXXX hours, They still would not cash it because I never had cashed a check there. Tried to cash it at my bank, XXXX XXXX, they do not cash money orders. Could not reach a single person at western union, the online refund form was down, chat sent me to the same form and suggested I continue to try till it worked. 3 days later the site works with a 30 day process time sign a fee! This was my XXXX money. Absolutely disgusted with this company and the service. Case # XXXX
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (CO)

On XX/XX/XXXX I entered under contract with XXXX. XXXX XXXX XXXX to purchase a new home. They offered a promotion at the time in which new buyers were to receive {$5000.00} towards their home, and additional money towards closing cost if they were to utilize XXXX. XXXX mortgage ( DHI Mortgage ). 

I agreed to the latter and discussed acquiring an FHA back loan, which necessitated for me to provide 3.5 % of the closing cost for the home ( roughly $ 13K ). I was pre-approved for financing, and provided the necessary documentation to complete the mortgage, and received a locked in mortgage rate of 2.75 % and signed the documentation to lock this rate in up into and through close, so I thought. 

Roughly one week prior to my closing date of XX/XX/XXXX, I received a call from the lender that I was unable to be underwritten, due to a gap in employment. I had provided information pertaining to the gap, as well as numerous other documents pertaining to my current employment, child, business bank account etc. Subsequently, the lender stated that he/they would be able to get me into a conventional loan, which would require that I put an additional {$7000.00}, for a grand total of $ 21K and I had less than seven ( 7 ) days to come up with this money, or my house would be sold to someone else. On top of this, I learned that my rate would change and when I inquired as to why, I was told because " I went from an FHA back mortgage to a conventional. '' In between this time, I was sent a very vague document in regards to a " interest rate promotion '' that the builder was offering, and the letter was back dated to the date of the original signing of my home. I inquired as to what it was, and was told that it was to lock in " a rate. '' I closed on the home on XX/XX/XXXX and throughout signing the document I was curious as to why my rate was now XXXX XXXX. Roughly one week after moving into my new home, my lender through the DHI Title Agency, sent me a copy of my Special Warranty Deed as well as a copy of a XXXX. On the latter document, it displays the term on my loan in line 13, which reads as follows : Term : Fixed/ Interest Rate : 2.750 %, No Balloon Payment and seller concessions and has my wet signature. My loan was subsequently sold to Fannie Mae, and the loan servicer is XXXX XXXX XXXX on behalf of XXXX XXXX, but disappointingly, I'm paying a 2.99 % rate, instead of the 2.75 %.

That .24 % difference adds up over a course of 30 years, and would have undoubtedly lowered my payment. When I complained about this, it went unheard as they were more concerned about their review/rating that I had provided.
Consumer complaint received 2021-11-06
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. (NJ)

I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED
Consumer complaint received 2022-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (MD)

I am submitting this complaint because I am being extremely affected by FORD MOTOR CREDIT COMPANY LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : The charge-off was a lease turn in, the dealer where I turned in the vehicle told me there were no charges due. 

Ford claims they sent me a statement for mileage overage, which I never got, then he got letter from a law firm asking for {$2700.00}, which I paid immediately. I was never mailed the lease end papers and telling me about mileage overage. I am requesting deletion the charge off from my account. 

Account information : FMC-OMAHA SERVICE CT Opened date : XXXX. XXXX, XXXX. 
Balance : {$0.00} Type : Auto Lease Remarks : Paid charge off Also, I have XXXX other accounts with Ford Motor Credit Company LLC. I am requesting that the company deletes all late payments from my accounts : FMC-OMAHA SERVICE CT. 
Opened : XXXX. XXXX, XXXX. 
Balance : {$0.00}. 
Paid and Closed FMC-OMAHA SERVICE CT XXXX 
Opened XXXX XXXX, XXXX Balance : {$0.00}. 
Remarks : Closed. 

I have worked with the company for over XXXX  years and I think we can continue to have good relationships.
Consumer complaint received 2022-09-30
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. (NC)

I have reached out to Transunion several occasions. I must admit I have had a terrible experience with XXXX and Transunion through this whole ordeal. XXXX furnished information on my consumer report that wasn't 100 % accurate and Transunion refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Transunion to specifically send me the signed documents they have on file concerning the account. I have reached out to XXXX without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them. I believe XXXX misrepresented the auto loan given to me by using predatory and fraudulent actions and it shows in the furnished information given to credit reporting agencies. Clearly XXXX is committing several state and Federal laws. By adding miscellaneous fees and XXXX did not clearly and conspicuously specify certain details in the initial contract I believe XXXX took advantage of me at the time of XXXX XXXX XXXX and no credit accounts on my consumer report. Transunion has failed to have proper procedures in place to ensure the accuracy of this account I am making this complaint due to Transunion failing to uphold the rights of consumers and not properly handling the information given to them by me ( the consumer ) but only parroting what companies that aren't even reputable are giving them as accurate information.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tayne Law Group, P. C. (NY)

i hired Tayne law group to settle my debts and paid them $ XXXX monthly for one year ending in roughly XX/XX/2017 they later ownly settled 2 two accounts but charged me for 12 account then tried to sue me illegally to try to claim they worked on accounts that were allready settled by another attorney .. so basic they took money without doing the work and tried to charge money for accounts that were allready settled which is both illegal and unethical and tried to sue in another county where the crime was not commited
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NY)

PayPal " Return Shipping on Us '' was supposed to be working until XX/XX/XXXX. 

As per https : //www.paypal.com/us/cshelp/article/HELP692, " You can submit Return Shipping on Us claims until XXXX XXXXXXXX XXXXl time on XX/XX/2022. Starting the very next day, XX/XX/2022, the service will no longer be available. 

Make sure to submit eligible requests as soon as you can to help ensure they get received and reviewed as usual. '' In the same article, it states below that : " If you submit an eligible request before XX/XX/2022, it will be reviewed as usual. If approved, the claim will be processed even after Return Shipping on Us has been turned off. '' Knowing that, I used PayPal for 3 transactions between XX/XX/XXXX and XX/XX/XXXX, believing the " return shipping on us '' would still be available. 

When I tried to submit refund requests for " Return shipping on us '' on XX/XX/XXXX, the button on the Paypal website to do so had been removed. I tried to fix this, both over the phone and over support provided on XXXX on the PayPal support account, and I gaslighted by several PayPal support representatives, saying in turns that the transactions weren't eligible ( they certainly were, looking at the Terms and Conditions for the Return on Us service ), that the promotion had stopped ( it certainly hadn't ), that claims should have been submitted before end of XXXX ( certainly not the case as per the above ). 

This is unacceptable behavior from PayPal.
Consumer complaint received 2022-01-31
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: Flagstar Bank, N.A. (CA)

I have my Home mortgage with Flagstar Bank which has been paid automatically via my personal account ( XXXX XXXX ). This was arranged through the Flagstar bank 's website. Back in XX/XX/2021, XXXX was bought out by another Bank, XXXX. Unfortunately, for month of XXXX, the amount was not drafted automatically by Flagstar bank since my personal account now was changed to XXXX XXXX. I have been very busy as a physician working in the hospital and treating XXXX infected patients almost every day over the last XXXX years where I contracted the virus and suffered very severely. I had peace of mind that the loan is on Auto-pay and there must not be any issues with the monthly payments. Apparently, Flagstar Bank has a WRONG CONTACT NUMBER on my file. They claimed that I have been contacted via that WRONG NUMBER and a message was left for me. The bank admitted that the phone number was wrong after all. Accordingly, after the payment was delayed for more than XXXX days, I was reported to CREDIT BUREAU! Unfortunately, I noticed their malicious action when I was informed about my dropped XXXX XXXX. Instantly I called Flagstar Bank while I was in the hospital, I informed them about the error and the balance was paid instantly over the phone. I was informed that I have to file a complaint to their " Credit Report Department '' to dispute the report, which did. After multiple attempts, based on their own response, without even mentioning any words about the " XXXX Cause of the Error '', they responded as, '' payment was delayed and report was appropriate ''. I am just shocked and surprised how insensitive, irresponsible and apathic a financial institute can be??!! I reported Flagstar Bank to XXXX and CFPB an I strongly believe the bank 's action is inappropriate and unnecessary. I hope their Credit Report Department review the case properly, before I dispute their unjust action through a legal complaint.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (TX)

On my transuion and equifax report, these are inquiries I do not recognize. 

XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Equifax- XXXX- XXXX Equifax- XXXX XXXX I reached out to the companies and they could not give me any information on where these inquiries came from.
Consumer complaint received 2022-01-31
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Dear CFPB, I am currently having a very difficult time resolving a fraudulent charge with my Citibank credit card. I have had numerous conversations, have filed a written appeal which was denied today, and am looking for your assistance in resolving the matter. 
The fraudulent charge was executed when the card was OUT of our possession. 

Here is the body of the appeal letter sent to Citibank on XX/XX/2021 : Please accept this letter as an appeal to your Denial of a Fraudulent claim filed for {$4700.00} made on XX/XX/2021 in XXXX, XXXX. The fraudulent charge shows on the statement coming from an unknown company called XXXX XXXX XXXX XXXX. 

I noticed the fraud charge that evening when checking my credit card statement and immediately called Citibank to report the incident and subsequently cancel the card. I am one of those few individuals that checks my balances everyday. My wife and I were on vacation in XXXX for several months. 

My credit card was taken from us while eating lunch with friends at a restaurant in XXXX. You will notice a restaurant charge at XXXX XXXX XXXX XXXX at the same time/date stamp which is correct. Our waiter walked away with our card and took a long time to return back with our restaurant charge which was a very unusual practice in XXXX. It would be virtually impossible for us to have been two places at once. The fraudulent charge was executed when the card was OUT of our possession. 

We have been shuttled back and forth between the dispute department and the security department, completed paperwork which was not applicable to the case, completed it, and do not have the case resolved. We have had at least a dozen conversations with representatives over the last month and feel like we are getting the run around and an unfair judgement. 

I am formally requesting a copy of the signed receipt showing we signed for it. 

Please feel free to review my credit history and my pristine payment history which shows my excellent performance. 

I sincerely request your assistance. Given the amount of this fraud charge it will be worth seeking legal assistance and filing a complaint with the Consumer Financial Protection Bureau next.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the XXXX credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated XXXX dollars a month.
Consumer complaint received 2022-08-24
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: SYNCHRONY FINANCIAL (MO)

SYNCB/TJX CO Dual Card pulled my credit without my permission on XX/XX/2022. I am requesting they correct this inquiry by removing it from my credit as shown via XXXX XXXX Credit Reporting Agency immediately. In addition please provide a statement verifying the error was corrected.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2022-08-24
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. (IL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

My HOA foreclosed on my condo on XX/XX/XXXX and was sold at auction. Wells Fargo was the 1st lien holder. They did not start reporting missed payments until AFTER the auction and were allowing the auction winner to use access and use my mortgage for 18 months and they DISTROYED my credit. My credit went from XXXX to under XXXX AFTER the Auction because they were reporting me missing payment. 
At the Auction, the winners got the title and I believed they were supposed to pay off superior liens but they used mine until they sold the Condo in XX/XX/XXXX. 
I can't live in it, I can't rent it, I can't sell it because I don't have the title to it yet Wells Fargo told me I still have to pay for it and reported it to the credit agencies that I was not paying and now I can't rent a box to put on the street. 
I complained to the credit reporting agencies and Wells Fargo told them that this is perfectly acceptable to let other people use my loan. 
Wells Fargo told me " the owner has a right to protect their asset '' so it it is there asset why am I still responsible for the payment? 
They told them how much to pay to keep them from foreclosing on it and started the late payments all over again. 
I don't understand. I thought the auction winner had to secure funding BEFORE bidding at auction for a property. 
I have NOT hired an attorney because I can not afford one so if they tell you that again please ask them for a signed agreement with this attorney. I DON '' T HAVE ANY MONEY AND NOW NOBODY WILL LEND MY ANY.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Despite multiple written requests, this unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received.This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$4100.00}