davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
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)

Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AR)

Chrysler Capital closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX , Chrysler Capital removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a 3rd party agency showed up on   XXXX   by the name of  XXXX   XXXX   XXXX , but not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau bu t not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression Chrysler Capital may have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the  XXXX  inaccuracy dispute.
Consumer complaint received 2018-01-16
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: AMERICAN EXPRESS COMPANY (IN)

In XXXX I had over 100 thousand dollars in Fraud on several XXXX accounts. Every other company fixed this. however American Express has dragged this on despite me calling and complain every three days. I have a XXXX XXXX dollar limit and they approved XXXX XXXX dollars in charges. I pay XXXX in good faith since XXXX and they told me the other day they dont even have a case pending. I spoke to a supervisor who said they would work with me and call and no one has. I just got a email my case is closed again. They allowed all of these charges despite being fraud and are continuing to pile on interest and late fees. In one day alone they allowed over 5 thousand dollars in XXXX charges. They keep telling me different things like it is being looked at and then I get a late fee.. They say dont worry about paying that but nothing has been resolved. I really do not know who to turn to any longer. I have tried to be cordial and work with them. They have no idea what they are doing Ask for the chat and call logs they have it will explain everything in detail they have been saying. It wont let me send it but I have the chat logs
Consumer complaint received 2018-05-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XX/XX/XXXX I sent money to XXXX {$50000.00} ( to help my nephew buy a house ) from branch of Bank of America, XXXX XXXX XXXX XXXX, XXXX, OR XXXX My nephew 's contract for the purchase of the house ended on XX/XX/XXXX.The representative of the bank, XXXX assured me that the money will be received no late thanXX/XX/XXXX. XX/XX/XXXX, I flew on vacation.During the vacation, I constantly checked the account online, but the information was only : '' processing '' .After XXXX I tried several times to call my bank branch, but could not connect with XXXX , which made my transfer, to get explanation. 
I returned from vacation on XX/XX/XXXX and went to the bank. XXXX explained me that the XXXX XXXX XXXX XXXX  XXXX need : date of birth, place of birth, passport number, National identifier, profession, country of citizenship and economic purpose of payment of my nephew. I gave them everything and transfer was send onlyXX/XX/XXXX.

If they were for me to demand this information immediately after I made the money transfer, or a few days after I would not have lost {$2000.00} dollars which had to be paid to sellers for moving the transaction on XX/XX/XXXX.

By the way, when I checked my bank on vacation they sent me advertising of various banking products to my account, but there was no information they need to complete a transaction. 
I ; m a valuable customer for the bank.On my account there is always a balance of {$70000.00}. In addition, the bank processed a lot of my money for 12 years while I'm a customer of BA. 
Therefore, I demand compensation of {$2000.00} for this issue. 
XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

and list of Inquiries CFNA GREATER NEW ORLEANS FC 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX | DOB : XX/XX/XXXX To whom it may concern, I had a vehicle repossessed in XX/XX/XXXX because letters sent to me went to the wrong address, this was strange because i have lived at my current address for three years, and all the paper bills for the vehicle came to my current address. 

I never saw any of the documents Global Lending Services sent out regarding late payments until last week after i sent them a request to remove the repossession from credit report based upon their error, which could have been resolved had i known that the negotiations were not honored when i spoke with an agent during that time. 

I have enclosed the documents to prove the facts
Consumer complaint received 2018-01-16
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)

I was told by both XXXX and Experian Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I have a CitiMortgage loan account it went past due back in XXXX or XXXX I got a letter from XXXX XXXX XXXX saying they could help me work out a repayment plan with CitiMortgage. So i paid them a lump sum up front and made payments to them for 18 months. Then i found out they did nothing for me at all they just took my payments and got me more behind with CitiMortgage. 
Since that time i have been trying to get my loan in some kind of repayment plan But CitiMortgage is very unwilling to work with me They keep asking for documents that i have already sent over and over again. 
Then CitiMortgage started coming up with other reasons such as your interest rate is lower now then what we can offer you. 
You have already had loan Modifications in the past we can not offer you another one. 
Your paperwork was not sent on time to stop your foreclosure. 
In the last year i have received loan modification paperwork from CitiMortgage but then i was told it was not approved or sent by CitiMortgage. 

These are the problems i am having with CitiMortgage besides the fact i have asked for copy 's of my loan documents from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, So i can find out what kind of fraud is going on with my account. 
Instead i get the run around and to this date i have not seen one document i have asked for all i want to do is resolved this matter. 
I have told CitiMortgage many time i believe my account information has been tampered with and it need to be looked at, There answer to me is. OH IT IS SET FOR A FORECLOSURE SALE AND I CAN NOT STOP THE SALE. 
There is a sale date set for XXXX/XXXX/XXXX I need this canceled until we can get to the bottom of the fraudulent activities going on. 

XXXX
Consumer complaint received 2018-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX XXXX on XX/XX/XXXX allowed a person who cashed my life insurance policy which was only in my name who committed forgery signing my name to deposit the check into their account and not even endorcing to themselves. When I found out I went to the bank I contacted my life insurance company XXXX XXXX XXXX and got their fraud department involved in it. They took money back out of her account to send back to XXXX XXXX XXXX and the person gave false documents stating I had told her to do it. She used her own fax machine called pretending to be me and the bank then put the money back into her account. Then I told them oh wait let me show you exactly what was stated to me via text that a check came in both our names she did n't say what for I had recently XXXX my twin grandson and thought a donation I was in XXXX XXXX but I have XXXX and believe me I need my life insurance that my Grandpa started on XX/XX/XXXX. The bank sent back the money to XXXX XXXX XXXX again but then the insurance company sent me the check wanting an additional 400 plus more along with check to reinstate my policy because of penelties interest etc. gave me 3 weeks to send all that back. I did n't have the money my XXXX cost XXXX to XXXX XXXX XXXX. I lost my insurance for a mistake I was not even part of. I feel everyone was at fault but me. I did n't have money to hire an attorney so I lost all the way around.
Consumer complaint received 2017-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

on  XXXX   XXXX ,  2017  I initiated a transfer  via Western Union fo r {$1600.00}  ( mtcn  :  XXXX  ), upon completion of the transaction, the  IFSC  code was incorrectly shown, therefore contacted the customer service rep and he told me to wait until  XXXX  as someone will contact me to correct the problem and if I am not satisfied with the wait, he asked me to cancel the transaction and I did cancel the transaction. I initiated another transaction via transfast and they asked me to provide driver license, bank ownership proof, passport copy and the transaction was completed. In the meantime, on  XXXX  I received the email from Western union that the transfer was complete. I was shocked as I have already cancelled the transaction a nd the IFSC nu mber was wrong and no one verified my identity. Contacted  CSR  and they told me that money will be returned as they can not see a transaction using my email id and transaction is available on  XXXX , therefore they still had 2 days to cancel the transaction before reaching the destination.  Case  no :  XXXX . On  XXXX / XXXX / 17 , received mail indicating that the transaction was effected with all the rules and procedures followed. How a leading wire transfer company can send money to other country without any validation? Now I understand, how  XXXX  is collecting millions of dollars from outside their own country. I was sending this money to a unknown person based on information given to me by my brother-in-law ( as he owed money to hi m ), now  he has double the money in his hand.
Consumer complaint received 2017-06-15
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: EQUIFAX, INC. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern : I dispute the validity of  XXXX  account  XXXX . I request a investigation be opened for this account.   I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Consumer complaint received 2017-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america received a reverse charge from a merchant on my credit card. charge was for {$1400.00} on  XXXX   XXXX   2017 . charge was reversed on  XXXX   XXXX   2017 . I have told this t o 3 d ifferent representative 's on the phone, I sent a registered letter explaining. This and the credit was never applied they continued to charge interest and Fee 's I have no other charges on the card and I want to close the account
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Credit & Finance, Inc. (AZ)

A company called  ACF  called in regards to  XXXX   XXXX  from phone #  (   XXXX   )   XXXX . The company disclosed that a debt is owed after I had advised that I was not the requested party. After advising them they are not allowed to imply debt to a third party, the agent continued to press for information on  XXXX   XXXX
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.
Consumer complaint received 2017-06-15
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: Experian Information Solutions Inc. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re  : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-15
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. (PA)

My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.
Consumer complaint received 2017-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Enterprise Systems, Inc. (CA)

NES serviced my loan after  XXXX  charged off the loan without contacting me by phone, email or mail.     Since  XXXX , have paid {$10000.00} on these loans to  XXXX . I have requested financial hardship assistance multiple times and have been denied all options.     The original lessor,  XXXX   XXXX   XXXX  charged off my loans in  XXXX   XXXX . Per FTC regulations you were mandated to report the activity to the credit bureau within 30 days, and contact me within 30 days.     NES did not contact me by  XXXX   XXXX . As of  XXXX   XXXX , there was no report made to the credit reporting bureau. This is a violation of FTC regulations.     Furthermore,  XXXX  withheld information regarding my loan. Between  XXXX   XXXX  and  XXXX   XXXX  I made numerous attempts by phone and written email to obtain the contact information of the new servicer ;  XXXX  would not even give me the name or phone number! It was impossible for me to make any payments at this time.     Finally, the first correspondence I received from NES by mail was on  XXXX   XXXX ,  XXXX . I have not received any phone call or email communication from  NES.  Today is  XXXX   XXXX ,  XXXX .     I had an attorney at  XXXX   XXXX  send a dispute letter on my behalf on  XXXX   XXXX ,  XXXX . NES claimed my dispute was invalid and they attempted to contact me. I did not receive any phone calls, voicemails, or emails.     NES did not contact me via phone, email or mail between  XXXX   XXXX  and  XXXX   XXXX . Again, it is not possible for me to communicate with another party if I do not have accurate, assessable contact information.     In  XXXX , I received a letter dated  XXXX   XXXX ,  XXXX  from another collection agency! Now    XXXX   XXXX   XXXX   XXXX   XXXX   holds the loan. I am working with an attorney to send a dispute letter on my behalf within the next week.      This is is predatory and unjust behavior from all of these agencies.   I intend to pay my student loan, I need fair treatment and fair reasonable payments.     Thank you
Consumer complaint received 2017-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (CA)

I have a car loa n with Honda Financial. I  'm almost at the end of my loan. I recently received a printout of my payments and extra fees. I was horrified to see all of the LATE CHARGES Honda has charged me. I explain what they   failed to do below.
At the   XXXX   XXXX   2016, I started paying an extra " LATE CHARGES '' fee. I asked Honda Financial at least 3 times to change the date of my payment to coincide with my social security check that is deposited in my account on the third Wednesday of the month. Because every month they were adding a late charge on my balance, because on the date they wanted payment, I did not have the funds to make that payment. They said I had to pay {$170.0   0} to get the date changed. I was unable to pay that amount, at that time. As a result hundreds if dollars in LATE CHARGES was added to my balance since then to now. I am a senior with a modest income. I believe Honda did not change the date of my payment so t hat they could collect extra money in the form of LATE CHARGES, thereby profiting from my inability to pay {$170.00} to get my payment date changed. I would like those LATE CHARGES to go away. It 's predatory and grossly unfair.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been a good chase customer for several years, I always made my payments on time and did not use up my credit limits.     Suddenly I got a letter in the mail that due to " the card not being used as intended '' my accounts would be shut down. When I called them about this, they explain it was due to me opening up authorized user accounts to help people with their credit, that is simple untrue. I only opened authorized user cards for family or friends. I explained this to chase but no go, they told me the decision to close my account is final