davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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. (TX)

On XX/XX/2021 I sent a letter to Equifax to dispute items that are appearing on my credit report that are inaccurate and/or invalid. As of XX/XX/2021 ( 51 days later ), I have yet to receive a response from Equifax with the results of their investigation. The disputed items in my report are adversely affecting my ability to obtain credit as well as the terms under which I can receive credit. Per federal law, failure to investigate disputed items within 30 days gives reason for the items to be promptly deleted. I demand that these items are deleted from my credit report immediately.
Consumer complaint received 2018-03-15
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: Diversified Consultants, Inc. (FL)

I recently pulled my credit report and discovered a collection account listed as Diversified Consultants in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.
Consumer complaint received 2016-08-10
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

On XXXX/XXXX/16, I sent {$760.00} via MoneyGram. The receiver rejected the funds and they were returned to MoneyGram. As of today, MoneyGram has failed to return the funds to me and everytime I contact them I receive a different story. I have asked to speak with someone in charge that can make decisions and I am told there is no one to speak with. MoneyGram has been holding onto money that is rightfully mine for over 10 days. The money needs to be returned along with the fee I was charged for sending it. This issue has taken me away from my job for 2 days trying to get it resolved.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX  Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XX/XX/. However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.
Consumer complaint received 2021-06-22
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)

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report .to this day over 30 days later i have not received a response yet, I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) .it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report .i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-05-25
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

I sent XXXX to a friend in Virginia to give to my sister because she needed the funds. Money gram took the money along with the fee from my card sent me a confirmation with a reference number to state the funds were ready in Virginia. When the receiver arrived she was told that the funds were not there and the number was invalid. I called money gram and after being hung up on several times I was told that they would refund {$2700.00} ( including there fees ) in XXXX4 business days. I explained that this was an emergency. They said no it was a scam area. I asked why did they remove the funds. I explained that my online account has sent money to this individual person and they said no. Now my family member is in danger because I do not have an additional {$2500.00} laying around to help her.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, my name is XXXX XXXX XXXX. I Recently sent in a dispute to Transunion Around XX/XX/XXXX, that took over 30 days with no response. After that I sent in another request for the unverified accounts to be verified or remove and still some accounts show up on my credit unverified! I thought it was the law for these items i have no idea about on my credit to be verified to me or removed. Can someone please help me get this situated because the credit bureaus are not doing they job
Consumer complaint received 2023-04-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United PanAm Financial Corp. (TN)

Notice of billing error ( 12 CFR 1026.13 ) To whom may address my concerns Account # : XXXX Name : XXXX XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 

The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$1500.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$0.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 

These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. 

XXXX XXXX
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service (ID)

I had disputed a debt with Action Collections in 2018. After that I did not hear from them nor did I receive any paperwork stating that I still owed the money. I was not given any chances to resolve this debt before filing a lawsuit. I spoke to XXXX who said I needed to talk to their attorneys. He transferred me to XXXX in the attorneys office who is part of Action Collections. Now my {$650.00} debit is up to {$1500.00} because they are charging me {$240.00} in interest AND {$600.00} dollars in attorney fees which is almost the same amount as the original debt to begin with. When I called to pay the {$650.00} and agreed to pay the interest, they declined my offer and wouldn't take my payment. The insisted I pay double when I have not even received paperwork on this debt nor have I even been served papers to validate their claims. 

The address they had on file is inaccurate and when I told them they state wasn't their problem.
Consumer complaint received 2018-03-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

This should not be on my report. It is a child support case that is over 20 years ago. I believed that the statue of limitations ran out. I am basing that on the FTC regulations. I have disputed this with the 3 major bureaus. However, it is only reporting on Experian. The account # XXXX XXXX, from the Illinois XXXX. I need this to be removed immediately. It is damaging the character of my credit report. It hard to get credit based on something that does not reflect my credit worthiness. This situation is not accurate and therefore should be dismissed based on the facts.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, 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. (CA)

I recently filled a complaint against, XXXX and Transunion for a collection account The bureau sent me a letter stating that the information was true and would not be removed but updated as paid. The debt collection service XXXX  ( XXXX XXXX XXXX ) recognized that there was a error with what XXXX XXXX my have reported to them especially since XXXX had a high volume of complaints over XXXX with the XXXX with the same issue I had complained about, XXXX sent notice to the credit bureaus to remove item from my credit report. I spoke with XXXX XXXX at XXXX and he said he would send a letter of deletion to me XXXX and Transunion only removed the item when XXXX XXXX XXXX XXXX XXXX  ) contacted them and requested it to be removed. XXXX removed the item but then lowered my credit score by by XXXX points. Transunion lowered my credit score also.XXXX  sent me a letter and did nothing but update my address and stated information was accurate and paid .Trans union sent me a form with their procedures.Its no wonder XXXX has XXXX  complaints in the last 3 years. TransUnion has XXXX complaints in the last 3 years. I have included both letters from TransUnion and XXXX. I also included some complaints from the XXXX for XXXX and Transunion.
Consumer complaint received 2016-08-02
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Kelsting Group, Inc. (CA)

My father XXXX XXXX bought this car for me several years ago as a gift ( XX/XX/XXXX ). I Never got the repairS finished or the DMV smog. So I gave it back to my father XXXX in XX/XX/XXXX. XXXX then gave it to his nephew, XXXX XXXX, in XX/XX/XXXX and turned in a release of liability with California DMV at that time. Some time later XXXX XXXX, my cousin sold the XXXX to his friend XXXX XXXX. XXXX then surrendered the Toyota to a Junk yard on XXXX XXXX, XXXX. I AM NOT LEGALLY RESPONSIBLE FOR THIS XXXX TOYOTA, VIN # XXXX PLATE # XXXX.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (GA)

Hello ; I spoke with representative with Wells Fargo bank. 
Complained about being charged a late fee, when had made all payments on time. 
Lady said she would pull up my account, then came back, said she could fixe the problem & as long as made on time, there would be no more additional charges. Said she would remove the additional charges, said that it would show up on my next statement. 
None of those things happened!! 
Additional charges still there, charged me with more charges because they said I did n't pay the additional charges. 
Complained several time & nothing happens!! 
Cant believe anything they say!!
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (KY)

I loaded money into my PayPal account to pay my electric bill only to have PayPal freeze my funds without reason or explanation..they are telling me the ban is permanent and I have to wait 180 days for an email describing how to get my funds released... I worked hard for that money only to have PayPal inc freeze my account without explanation or reason... I have children in the home and now I have no money to pay my electric bill because PayPal is illegally holding my money without my consent or even knowledge as to why..
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my credit reports from all XXXX main agencies XXXX, XXXX, and Transunion shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my XXXX XXXX.
Consumer complaint received 2021-02-19
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. (CA)

On XX/XX/XXXX, XXXX XXXX XXXX signed for my certified letter requesting validation of a closed account by guarantor. Also asking why they closed my good standing account. This account was closed by XXXX on XXXX of XXXX in good standing and have been reporting payment amounts due and late payments on this closed account to all bureaus. I have received NO response from XXXX or ANY of the three credit Bureaus. I've sent certified letters to XXXX on XX/XX/XXXX, NO RESPONSE, XX/XX/XXXX NO RESPONSE, and most recently XX/XX/XXXX, NO RESPONSE yet. XXXX on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE yet. Transunion on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE. Yet I have received another late payment post to my credit reports by XXXX XXXX XXXX. I have asked both XXXX, XXXX, Transunion and XXXX to remove these inaccurate, false, and illegal information from being reported. I am being ignored and my credit is suffering because of it. I've worked really hard to maintain my good credit and this inaccurate information is hurting badly.
Consumer complaint received 2021-01-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (OH)

I was first called by someone stating she was from the courts and was calling to see if I would be served at home or work? 
She gave me the phone number of the company. Also, had the wrong address, I was so nervous, I gave the correct address, the summon lady, did mention that they should have sent me a letter, but since I never got any letters from them and have moved from my previous address that they could not do this. But told me to call them. 

I called XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX XXXX EXT:XXXX they said if I paid something that it could stop the person coming to my home. I called and the company stated that I would have to pay that day and set up debit card payments, I paid {$84.00} but then they said that XXXX bought the debt from Cash Store. The only problem is that I have been paying on that debt with another collector Cottonwood Financial, which has sent letters and proof of my payment to my email every month. XXXX claims that Cottonwood is a SCAM, not to take to them. Cottonwood claims XXXX is a Scam. 
I could find Cottonwood Financial on the XXXX site, search by phone and name and both were found, but I can not find XXXX XXXX XXXX anywhere. They took a payment of {$84.00} even though, I have been paying Cottonwood Financial {$25.00} per month and have been on time. But both are claiming they are a fraud. Also, called Cash Store Corp. and was told that once they sell the loan, they have nothing they can provide as proof, I own {$1500.00} remaining.
Consumer complaint received 2018-03-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

XXXX HAS POSTED A COLLECTION ON MY CREDIT REPORT FOR {$4000.00} THAT DOES NOT BELONG TO ME ... I HAVE CONTACTED THEM SEVERAL TIMES ASKING TO REMOVE THIS FRAUDULENT COLLECTION FROM MY REPORT WITH NO LUCK.. AND INSTEAD OF VALIDATING THIS DEBT OR SENDING ME A COPY OF THE CONTRACT THAT MADE THEM THINK IT WAS MY COLLECTION THEY STARTED THEIR VERY AGGRESSIVE AND INSULTING COLLECTION CALLS TO MY CELL, WORK AND NOW RELATIVES ... THIS NEEDS TO STOP PLEASE HELP
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: General Service Bureau, Inc. (IA)

I saw online that this is a debt collection company which is fine because I am sure I owe some debt but they call every other day and they never leave a voicemail and the phone number does not allow me to call them back directly. And when I try to answer the call no one says anything or they hang up if I greet them and say hello. How can I get information or give information if all they do is call but are not willing to actually communicate!
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION ()

XXXX XXXX had XXXX issues, before my husband knew this he tried to send me {$400.00} via his bank WE financial. 

I received an email from XXXX that the deposit never made it to me and to have my husband re-send the transaction. 

However the {$400.00} left my husbands WE account, and never made it to my XXXX account and he has yet to have the funds return to his WE account. 

Weve called both banks after waiting to see if money will return to his account automatically and been getting nothing but the run around starting XXXX WE told him XXXX has the money and for me to call my bank. Called my bank they said no WE has the money. 

XX/XX/XXXX called both banks again. This time WE advise my husband he needed to wait 14 business days from XXXX and the money will be back. 

XX/XX/XXXX still no money so he went to WE branch. WE tells him, XXXX is supposed to give the money back that was the agreement between XXXX and other banks for the XXXX incident. 

XX/XX/XXXX we go to XXXX branch, they advise no, all my husband needs to do is file a dispute with WE cause WE has the money. We immediately left XXXX and drove to WE, what did WE say. XXXX has the money, they are aware and that all we can do is sit and wait for it to come back to us. 

This is getting beyond ridiculous all we want is the {$400.00} returned to his account.