davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

XX/XX/2017 {$67.00} in a money transfer via moneygram.com Was cancelled before collection By me due to a possible overdraw Because of a money transfer to a close friend And they said they cancelled it for me But would take 3 to 10 business days Never sent confirmation of cancellation Refused to send confirmation of cancellation Or any evidence of such Then later said I would not be And that " i would have to trust them in good faith '' If i did n't then i would not get my money back Then the next day calling 4 more times to check the status They altered the explanation and said an email was sent confirming cancellation at the time it was done And that if is " against moneygram policy '' to send another to confirm I checked every folder for the supposed email Spam and trash included Nothing! Zip! Zero! Zilch! Nada! What the heck is going on? Oh not to mention the money never dropped of pending status to refunded on my card It went to completed! Which means the money was taken! Now the receiver is XXXX off And So am i
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-30
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. (NJ)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (CA)

I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. 
On XX/XX/XXXX, XXXX XXXX XXXX provided " debt validation '' as response. 

This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with XXXX XXXX XXXX, XXXX XXXX, Division XXXX of XXXX XXXX XXXX, requested a clearer copy from their client, " Army & Air Force Exchange Service ''. 

On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. 

Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ).

There was no transaction or any record of transaction between myself and the client, " Army & Air Force Exchange Service ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.
Consumer complaint received 2016-02-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have researched my records and I am showing my last payment was over 7 years ago and this should no longer be reporting on my credit. It appears they are using a close date and not a last payment date. I am requesting a copy of the last payment ( XXXX XXXX ) they have record of.
Consumer complaint received 2020-11-25
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. (CA)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX my phone was alerted of 2 wire transfers in my account that took place XX/XX/XXXX & XX/XX/XXXX. I have never made use of the wire transfer feature nor did I confirm use of it at any time. I have no knowledge of the person my funds were sent to nor did I know they were sent. As soon as I viewed I made my claims. 

I made 2 claims. One claim for 2 wire transfers of XXXX dollars. The other for XXXX XXXX XXXX transfer. The XXXX claim was made under reference number XXXX. And the wire transfers that totaled in XXXX dollars was made under reference number XXXX. Along with my claims I opened a new account changed all passwords and requested a new card. 

For the XXXX dollar claim I was accredited my funds back ( XX/XX/XXXX ). But, for the wire transfers XXXX dollars total I was denied on the claim as well as the recall ( XXXX ). I was not responsible for any wire transfers or confirmations to send my funds and system error was already admitted as my first claim was granted. In my denial letter I was told I was the person who confirmed the transfer as their reason for denial. I was not. After reaching out to make a complaint to the bank ( XXXX ) I was instructed up to 10 days and someone would reach out to me with fraud investigation for Wells Fargo. 

I requested a reference number and a call back number or any info that would help me be on the lookout for the call. I received a call during working hours and missed it ( XX/XX/XXXX ). I have been calling back to this specialist every day since. I was given none of the information I requested and it has been well past 10 days since my complaint was filed. Between yesterday & today alone, ( XX/XX/XXXX & XX/XX/XXXX ) I have left over 4 voicemails and 10 missed calls to the number provided by the specialist. I feel I am getting the run around and not being provided protection to majority of my savings. I have talked to 5 different representatives and each time I must explain this whole situation again with no one allowing me to speak to an office manager/decision maker and it has been a frustrating and disheartening experience. I have not authorized any wires from my account in the history that this account has been active. The bank has already admitted there was fraudulent activity replaced everything to do with the account and I was granted the claim with the smaller portions, and given XXXX dollars back in wire transfer fees. 
This is not right and I need my funds replaced for the fraudulent wire transfers.
Consumer complaint received 2021-04-07
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: HCFS Healthcare Financial Services of TeamHealth (FL)

this company is reporting to all three credit bureaus ( XXXX XXXX XXXX XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Consumer complaint received 2022-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

With having credit building loans for well over 6 years, no negative inquiries, no late payments and several paid off loans, I don't see how my credit score has risen and dropped XXXX points over the last couple months not to mention it is at XXXX. The only negative impact I can see is my credit usage limit at 66 % which seems marginal compare to the history. Is there something missing or not reported correctly? I just don't know where to look or go from here. My score has been the same for years with minimal increase.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NC)

Despicably, I was XXXX  profiled at a Chase Bank in XXXX at XXXX and XXXX on Saturday XX/XX/XXXX. I came in to open a Chase Bank account. I was asked to open an account online. For whatever reason, the website said I had to go to a branch to open up an account. Since I had actually come to a branch, I asked to open up an account again to the banker. Shockingly, the banker said I had to go back to my home state of North Carolina to open up an account, even though I was actually in XXXX XXXX XXXX. He said I should know this because I work for XXXX XXXX and I had no business being in XXXX XXXX XXXX - unsurprisingly the horrible hate people of XXXX XXXX culture have had to deal with in XXXX since XX/XX/2001. At XXXX XXXX, we are not disgusting XXXX XXXX  who just think XXXX who come from the XXXX to the XXXX are merely suspicious as if they are just some dirty XXXX  XXXX XXXX  pursuant to the Compromise of XXXX. At XXXX XXXX, we know the Compromise of XXXX  is no longer the law of the land - along with Roe v. Wade now and XXXX  are allowed to freely travel to the XXXX from the XXXX, contrary to the XXXX hateful culture that XXXX XXXX sickeningly sets at Chase. At XXXX XXXX, we know you can travel from the XXXX to the XXXX for reasons aside from just wanting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and banking is allowed and even encouraged interstate. Also, if I were in fact suspicious, it is federally illegal to warn me not to take an action just to evade fraud detection. However, Chase does not follow the law because XXXX XXXX believes Chase is higher than the banking law and civil rights law.
Consumer complaint received 2023-03-30
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. (NV)

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$160.00}
Consumer complaint received 2021-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (WI)

This is shocking, I had just filed a complaint because my funds were released contrary to the title of the account you have forwarded the complaint and this bizzare shocker. I made a new savings account in my name and the bank manager Gave me the Bank account card on my new savings account. I took that card in my wallet and informed social security and XXXX XXXX. Shocker XXXX XXXX told me that those account numbers were no mine and a fraud. I checked, those numbers on the card did not match the code .I went to the bank, the manager could not explain that fraud bank card is evidence,. I reported the matter as a police complaint, and it seems the manager has been fired?? at least I did not see here there again. I closed my account and have gone to another banmk. This is very serious XXXX other banks are shocked to see it the evidence which is with the police. This is BMO Harris XXXX XXXX branch at XXXX XXXX, XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Leopold & Associates, LLC (NY)

XX/XX/XXXX. I had to call the debt collector company from XXXX XXXX XXXX to pay over {$2000.00}. I never asked nor took out a student loan from college. I failed all my classes due to peer pressure and feeling excluded. I have no way of paying back the money. I have not received any mail recently about the debt I owe. I was told that specific debt collect agency only takes credit cards not cash. Ever since, the debt I owed from XXXX, I have not received mail about the debt I owed and I do not know much I owe now. I am stuck and I just want to be debt free from college of XXXX. The only number I have is ( XXXX ) XXXX and I can not make out what the name of the debt collectors they are.
Consumer complaint received 2020-12-07
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: ALLY FINANCIAL INC. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-09-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

XXXX passed away in 2015 and since then I have been struggling with Selene Finance in giving me any information what so ever to reinstate the loan payments on my mother 's home. Here we are 6 years later and I have no resources to help me talk to the company to work with us. And we are facing foreclosure. I would like to stop it and attempt a loss mitigation application or a payoff anything to assist in keeping my home.
Consumer complaint received 2023-03-30
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX. XXXX XXXX  Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX XXXX XXXXXXXX {$2300.00}.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

i have recently applied to open a bank account especially with ( XXXX XXXX  ) and XXXX XXXX  stated I'm being reported to early warning services & XXXX XXXX. 

which is inaccurately and honestly hurting me to open a checking account. 


whatever innsttuitionn is stating I owe any debt has been paid and need to clear my file for EWS & XXXX
Consumer complaint received 2023-03-30
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. (NY)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc. (NC)

On XX/XX/2022 my Financial institution mailed a paper check to my home loan servicer Affiliate mortgage. Affiliate mortgage claimed to received the payment on XXXX XXXX. I was charged a late. My payments were always processed before the deadline on the XXXX of each month. Affiliate claims because of mail delays it wasn't their fault. My complaint is that it is the fault of the loan servicer failure to process the payment on time. I don't feel I should be penalized for their failure to process my payment. I have tried to contact them and can't reach anyone on the phone.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (AL)

On XX/XX/2021 I attempted to withdraw money from my Binance.US account but realized when I purchased my new phone, it did not transfer my XXXX XXXX  I still had access to my trading account. I filed a ticket with Binance.US and received an automated response. I immediately responded with all required information to have my XXXX removed so I could reinstall a new one. On XX/XX/2021 I received a response only saying that my ticket had been escalated and sent to the appropriate team. They updated their application for my phone on XX/XX/2021 and I have now lost access to my account completely.
Consumer complaint received 2021-11-28
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. (NJ)

I filed a dispute in regards to incorrect items on my credit report. It this has been well over 30 days and I have not received and investigative results.
Consumer complaint received 2022-01-18
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-04-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROMXX/XX/XXXXWITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY