davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I wrote a check to a man/company for tree trimming services. When I got home, my husband and I realized that the services were not rendered and called the company right away. They assured me they would be back in 4 days to complete the job. Me, kicking myself for writing a check too soon called BOA immediately ( XX/XX/XXXX ) and spoke to a bank rep who advised me that even if the check was cashed, if the services were not rendered that I could dispute the check and get my money back. This made me feel great! I could allow the merchant to make the situation right and if they did n't BOA had my back. Win win, right? Not! Well, needless to say, the company cancelled on us multiple time and never showed. I called BOA to dispute my check, explaining the situation a XXXX time I was cold transferred to another agent to explain my situation for the XXXX time and she disputed the check. Each explanation included that I wrote the check and the services were not rendered. This agent advised me an adjuster would reach out to me but could n't give me a time frame. She escalated me to a manger and I again explained my situation for the XXXX time. He let me know when I would receive a call. I ended up missing the adjusters call and it took, yes 3 times of me calling and leaving messages before the adjuster called me back. She told me since it was not a fraudulent check there was nothing she could do and BOA does not have a dispute process. Wait.. What? Why would so many before, including a manager hear my situation and still go through with it. I did n't buy it, so I went to my local branch. After spending some time with a banker there, he called someone who was n't able to do anything and also asked the manager for help and nothing they could do. Here I am, out {$550.00} dollars, countless hours on the phone with BOA reps and in your branch and clearly you can come to my house and see services not rendered and BOA is n't going to advocate for me! No doing the right thing or in any way trying to help out a customer now sitting in front of them completely distraught by the situation? I realized I was on my own and I was just a number to BOA, my accounts meant nothing. I decided there, if BOA did n't want to have my back, be my partner and help me then I needed to close my account. Now I have had a BOA account since I was XXXX years old! Yes, XXXX! My savings account, I have had a check and credit card since XX/XX/XXXX. I am loyal customer who pays on time and is never late. I have had CDs and money market accounts all upholding my end of the deal. I was about to start in stocks and trading since my father raves about BOA and that 's what he does. But no, no customer advocacy no loyalty from BOA and I felt BOA completely left me without any solution. All I needed was BOA to help me with a check and instead I received false information multiple times and complete disregard for my situation from BOA employees!
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

Dear Sir or Madam. As evidenced on the attached receipts, it is 100 % clear that on XX/XX/21, at XXXX in XXXX, NJ, a Moneygram for {$2500.00} ( including fees ) was paid for to be sent to a relative overseas. The relative never received the money sent ( which is also 100 % verifiable using Moneygrams tracking system ). Representatives at both XXXX and Moneygram were spoken with and an appropriate police report was filed ( also attached ), yet there has been no resolution to date. Emails were also sent to both XXXX and Moneygram and Moneygram responded on XX/XX/21 that our email was received on their end, that they opened a " XXXX - Report Fraud '' case with an assigned case # XXXX and would be in touch shortly. Moneygram never responded after that generic email they sent to us so another follow-up email was sent to Moneygram and XXXX on XX/XX/21. Neither responded to that follow-up email so XXXX customer service was called on XX/XX/21. On XX/XX/21, XXXX assigned a new case number ( # XXXX ) and suggested to file a claim with the CFPB so that is what we are doing now. I look forward to hearing from you at your convenience. Thank you.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pintor Partners, LP (TX)

Yesterday I made a transfer XXXX dollars to XXXX account in BARRI FINANCIAL GROUP ( XXXX, TX ) so the casher told me that the money will be available within 30 minutes but this money already doesnt available in the XXXX account. 

I try to call at customer services but they ( barri financial ) told me that the money was send yestarday but isnt true. 

the transaction number is XXXX and XXXX.- XXXX I sent this money to XXXX XXXX XXXX XXXX at XXXX account XXXX XXXX XXXX  XXXX 

can you help me please? 

regards! 

XXXX XXXX
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These number do not belong to me my phone number is XXXX. So the number that is above do not belong to me.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here are the list of concerned account that needs to rmove completely from my Credit Report : XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXXI-Balance $ XXXX Opened : XX/XX/XXXX, XXXX Balance {$1700.00} XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Just pulled up my credit report and still a lot of negative accounts on my name. Why you keep posting this information, its not mine. I m sure that someone have my personal information. I dont understand how I can delete those accounts.
Consumer complaint received 2021-01-19
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. (CO)

XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX  fcra violations not mine
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (PA)

As part of a {$390.00} annual fee, the XXXX Rewards card through Chase bank offers certificates for 2 free night stays. I attempted to use them on three different occasions and was told that there were no rooms available for free night stay. On each occasion there were the least expensive rooms available at the property but was told the free nights were unavailable. On two occasions, the city I was attempting to book a room had XXXX XXXX hotels but rooms for free nights were unavailable at each, so I really attempted to use the certificates a XXXX different hotels. I feel like this has been classic " bait and switch tactic '' with no good faith on the part of XXXX to honor the certificates. Additionally, Chase Bank is unwilling to do anything in order to attempt to resolve situation, saying it is up to XXXX. I reminded Chase that they were the ones that collected the nearly {$400.00} annual fee. They are unwilling to refund the annual fee.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (NJ)

Great Lakes Student loan reported 90 day past due to the credit reporting agencies bring down my credit score by XXXX points - they have my account listed as the last payment in XXXX 2016 when I made a small payment recently just to submit a payment. And I applied for forbearance as well. The information they are providing to the credit agencies is incorrect.
Consumer complaint received 2022-12-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Luckmore Finance (LA)

XXXX XXXX from Luckmore Finance Corp replied to my CFPB complaint XXXX stating they offered me a counteroffer and to call to discuss the terms, which is false. I was advised they could not help me and I needed a co-signer and a more current collateral. I called and spoke to XXXX to counteroffer at {$1000.00} then {$2000.00} from the original {$3500.00} I applied for. XXXX advised he had to speak to the owner XXXX and would call back in five minutes rather he spoke to XXXX or not. I did not receive a call, so after two plus hours I called but XXXX was on lunch. I received XXXX information from XXXX, so I called XXXX about the counteroffer offer. XXXX was irate that I filed an CFPB complaint and asked why would I do that. XXXX told me he does not want to do business with me because I filed an CFPB complaint. Federal law is XXXX, XXXX said. XXXX has continuously violated the federal laws. This ordeal is stressful and embarrassing.
Consumer complaint received 2016-08-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Express Recovery Services, Inc. (NV)

I HAVE PAID ON THIS BILL EVERY TIME I RECEIVED A BILL. ALSO HAVE PAID TO DATE {$690.00}. WHICH WAS NOT DEDUCTED FROM {$1700.00}. I AM MORE THAN WILLING TO PAY ON THIS DEBT BUT WAS NEVER NOTIFIED BY MAIL NOR EMAIL. EXPRESS RECOVERY WENT STRAIGHT TO COLLECTIONS WITH NOT LETTING ME KNOW TO WORKOUT A PAYMENT RECORD
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Transunion credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on two occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my Experian credit report. However, during that same time period, I was reported as " on time '' on my XXXX and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (NV)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-16
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Campus Student Funding, LLC (CA)

I was a former a student at XXXX XXXX in XXXX Nevada. In order to afford the tuition, I needed to take on private student loans. the school only gave me the option to take loans from their private student loan lender. I was threatened that if I took to long to think about it my classes were gon na be dropped. i was making payments for these private student loans and then they were sold or transferred to Campus Student Funding LLC. The school closed and so did the XXXX. My Federa Studnet loans have been forgiven and not my private student loans. so here I am with no degree and in debt due to the ambitious And scamy practices of my school whose corporate members filled their pockets with the student 's money. I need that my private student loans be forgiven.
Consumer complaint received 2021-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I had my mortgage loan with XXXX. In XXXX my sister, the co-borrower, died and I put in a claim with my MI. XXXX never responded and instead sent my mortgage to a Mortgage loan servicing agencies, first Bayview, XXXX, later Community and now Community sent it to XXXX. 
This is bogus. XXXX and its assignees are trying to steal my home. 
I have not missed a payment to Community. 
During Covid-19, I took benefit of Cares Act and waived 4 mortgage payments, according to Cares Act, I could have waived 180 days, 6 months, I only waived 4 monthly payments. 
After Deferral period, Community sent me a new monthly payment which was higher then before Cares Act and I stated payment had to be same as it was before deferral. Community changed amount to close to what it was before Cares Act and I have made my monthly mortgage payments each month. 
Around XX/XX/XXXX, I made 2 mortgage payments to Community, by mistake, and emptied my bank account. I asked Community to refund the second payment and silence from Community.

Community instead shows me in default, is trying to collect {$8000.00} plus from me and now has my house in foreclosure. What the XXXX XXXX???? 
Please help me. This is my home. XXXX and all their assignees should be fined for stealing from homeowners. 
Please contact my niece XXXX XXXX at XXXX XXXX XXXX as she is helping me. 
I am XXXX plus years old, XXXX in XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, and stuck with a huge mortgage. My payment is {$1000.00}. and my Social security is {$1000.00}. Help me.
Consumer complaint received 2021-11-26
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. (GA)

To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my Equifax and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.
Consumer complaint received 2021-11-26
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. (MA)

I have requested that XXXX and Experian preform and independent investigation with XXXX XXXX XXXX account XXXX. This account is being inconsistent reported by the credit bureaus with different Date Of First Delinquency and re-aged. XXXX is reporting for XXXX XXXX/XXXX, Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX, Experian is reporting XX/XX/XXXX. These are different years, months and dates of first Delinquency and inconsistent reporting by both credit bureaus. This account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation showing the inconsistent reporting by the credit bureaus and re-aging of this account which is a violation of the FCRA. 


I am keeping a record of all communications with this dispute with the credit bureaus in case I need to litigate this inconsistent reporting by the credit bureaus.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GLA Collection Company, Inc. (IN)

002. GLA Collection CO Inc. 
GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

Amex company is misleading Small Business owners to apply to its Business credit card and then damaging the customer personal credit score with hard inquires and false advertisings about being a " Business '' credit card.

They send multiple emails and advertising to apply to their business credit cards and then lower the FICO credit score.
Consumer complaint received 2020-06-22
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 — Their investigation did not fix an error on your report
Company: PMAB,LLC (NC)

pmab llc is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And XXXX  is the only place it remains. I would like them to follow suit and remove
Consumer complaint received 2022-08-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions