davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

OnXX/XX/2019, I attempted to send {$1000.00} to my brother abroad via MoneyGramwebsite which I have used to send money on a monthly basis over the past 3-4 years. 

After filling the receivers information, I clicked the send button as I usually do, but this time it took me to an error page asking me to call a number to complete the transfer, so I thought there mighthave been something wrong with the information, therefore I reattempted to send money a second then a third time, both of which lead to the same error screen, thus I decided to use another online service to transfer money instead. 

Althoughthe transfer attempts have beenlabeled erroneous by MoneyGram ( I can supply you with screenshots from the webpage ), I was surprised to receive a notification from my bank onXX/XX/2019 that my checking account has reached zero causing an overdraft protection transfer from my savings along with applicable fees. I looked up my checking accountand was astonished to find that MoneyGram has charged me {$3000.00}, corresponding to 3 transfers in the amount of {$1000.00} each along with their transfer fees ( {$25.00} each ). I contacted MoneyGram who claimed they never took themoney and said it's a standard procedure for them to have the bank issue authorizations for requested transfers, but stated that this does not happen unless the transfers went through. 

I disputed the authorizations with my bank onXX/XX/2019, who promised to investigate this and refund the money in a maximum of 10 business days. MoneyGram, on the other hand, stated that the money should be back by end of business on XX/XX/2019, nevertheless the money has not been refundedas of today XX/XX/2019, and to make things worse these authorizations have been converted to posted transactions now. 

I spoke to MoneyGram 3 times so far, once on XX/XX/2019, again on XX/XX/2019 and a third time on XX/XX/2019 and every time they either say something close to : " the money should return very soon '', " your bank initiated the authorization and you should contact them '', or " we will investigate this and it will take 72 hours ''. 

I have been in a financial deficit of XXXX {$3000.00} from XX/XX/2019 to present time because of the repeated failings of MoneyGram to refund my money which they illegally took from my bank account for erroneous attempts of money transfer. Even if this was the result of a system error, the fact that they continue to handle it very bureaucratically with repeated deferrals of action and no regard to the sustained financial damages is extremely appalling. 

I am not sure if punitive damages can be pursued in this case because the company really snatched {$3000.00} from my account for no reason whatsoeverand repeatedly failed to initiate an immediate refund for almost 2 weeks. 

Please help me
Consumer complaint received 2019-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TN)

On XX/XX/XXXX my husband became very ill due to his XXXX XXXX and I was also not working at the time. We have always been current with our mortgage, but could not make the full payments after XXXX. I contacted our mortgage company to see if our payments could be lowered until my husband and I could get back to work. The mortgage company did a forbearance and lowered our payments. We had only missed three payments when they came up with this solution to our problems. My husband and I began working shortly after this plan. When we got caught up on other bills we contacted our mortgage company to let them know we could now make full payments again. They accepted full payments for XXXX XXXX and when we were to make XXXX 's payment they told us they could no longer accept payments from us, because our house was in foreclosure. We could not believe this happened, so we applied for a loss mitigation to keep our home we have done everything for 5 months and they told us they were working with us, but our home is online to be sold and we have people calling us wanting to see our home. This company is fraudulent and uncaring. I don't believe they are really working with us and I do not want to lose my home or file bankruptcy.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXX as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.
Consumer complaint received 2023-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent a letter to Bank of America on XX/XX/2023 and on XX/XX/2023 have not heard any thing back from them. the issue is that they are reporting an account that their employees opened fraudulently with out my consent.nor knowledge. I would like to resolve this issue I am having with bank of america
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I purchased a vehicle for what I thought was XXXX financed through credit acceptance corporation. However I did not know that my interest rate was XXXX percent which made the total purchase amount around XXXX. I purchased a XXXX XXXX XXXX used with around XXXX miles. I had to request a copy of my vehicle agreement because I didnt understand how I was paying XXXX a month for 72 months in XXXX which they never sent me the documents from the beginning. XX/XX/XXXX my vehicle was totaled. I had XXXX coverage through the lender. The other young lady insurer paid around XXXX and XXXX picked up the rest of the original loan amount before the interest rate of XXXX percent. However XXXX acceptance has been reporting missed payments and a open loan status for this vehicle ( XXXX XXXX ) and another vehicle ( XXXX XXXX ) that they also financed me for in XXXX that was also totaled and the insurance company paid off. This company has blocked my access to the account history because I contacted my state attorney general here in North Carolina about how they were doing fraudulent acts and keeping me from obtaining credit or even housing because of those false claims on my credit.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NJ)

Situation : Ally had run a promotion ( Rules available at : https : //www.allypaybacktime.com/rules and attached in pdf form ). In short, it asked the customer to deposit up to {$100000.00} of " new money '' and Ally will pay 1 % of cash promotion on this {$100000.00} - The new funds deposited into the account ( s ) must be from outside the Ally Financial family of companies. 

I had therefore, on XX/XX/2018 I had withdrew {$120000.00} from my CD to XXXX  XXXX, then brought back the money to Ally a day later by buying two CDs, one for {$100000.00} and one for {$20000.00}. So under my example above and your own XXXX XXXX XXXX, this is {$120000.00} of NEW MONEY, of which $ XXXX should be fully applied to the promotion. ( Please see attached files for proof ) What's wrong : Ally had instead only paid me {$98.00} for the promotion. I had contacted Ally to tell them that under the way their rules were written, " new money '' clearly only means new money from a different bank ( e.g., if I had {$1.00}, I gave {$1.00} to my friend, my friend then gave the {$1.00} back to me, that {$1.00} my friend gave to me is " new money '' by their definition in their terms ). Instead Ally refused payment and arbitrarily said that the " new money '' had to bring my account above a certain watermark that was not mentioned in the actual terms. 

As you can see other people have discussed Ally 's reluctance to pay at https : XXXX and at https : XXXX
Consumer complaint received 2023-06-12
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. (IL)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Zip : XXXX, IL XXXX Email Address : XXXX 15 U.S.Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations
Consumer complaint received 2019-03-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAN (LendUSA) Holdings, Inc. (GA)

I was forced by XXXX XXXX realtor XXXX XXXX to use XXXX XXXX XXXX. I told XXXX I already had a mortgage company. she said if i didnt use XXXX XXXX, the builder wouldnt give me the contract. I used XXXX XXXX believing they would pay XXXX in closing cost. they didnt because my sscore was a XXXX. XXXX XXXX at XXXX XXXX has been close friends with XXXX XXXX. I feel their personal relationship affected me. I wasnt able to choose my lender. further more when i complained to XXXX she went back and told XXXX.
Consumer complaint received 2023-06-14
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. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Thank you for taking time out to review my complaint. 
I have a XXXX XXXX XXXX account with Synchrony bank and my bills are due on the XXXX of the month. I have made payments on the XXXX of the month and Synchrony has assessed {$38.00} late fees on my account. I am paying on the due date and the fees are assessed and then they post a day, two or even a week later.

I recently discovered that this has been going on for some time when I decided to check my bill because I wanted to pay off the balance. I have bank statements along with screenshots of the bill being paid on the XXXX of the month accept for XXXX. This is where i discovered the issue. I asked to speak with a manager and got XXXX who told me that is not what her screen shows.
Consumer complaint received 2019-03-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/2017 XXXX XXXX added {$4.00} to my Monthly lease payment without my Knowledge, when I called them on XX/XX/XXXX when I noticed a late charge of {$9.00} on my Monthly recurring Bill payment. 

XXXX XXXX Representative told me that was sales Tax added by the State and I needed to contact the state but {$4.00} will be added to my bill increasing it to {$510.00} per month verses {$510.00} which was the contracted Lease Agreement. 

This is a breach of contract and I do not feel that this sales Tax increase should be passed onto the consumer, I have never seen a car lease change on a contracted agreement.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery called me in XXXX around XXXX. They told me about a debt they bought and I paid it. Then they told me about a second debt they had. I told them I would pay it later 2-4 wks? But I got a job offer that required me to move and I needed the money I was going to pay the debt with. They called me once a month then once a week before I had the money again to pay them. I got angry and changed my cell phone number. However I applied for credit again and shortly thereafter XXXX  started calling me again, sometimes 2-3 times a week. I had received an email from them asking my permission to contact me that way and I agreed. After numerous calls, I emailed them rescinding my permission for all contact. When they kept calling me, I sent a letter. I answered a few of their calls and asked them to stop calling my personal cellphone. After they say they're collecting a debt they say they can not take me to court and it feels intimidating. If they can't take me to court bc of the age of the debt and I've asked them to stop calling me WHY ARE THEY STILL CALLING??? I DO NOT RESPOND TO HARRASSMENT AND INTIMIDATION.
Consumer complaint received 2019-03-01
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. (CA)

My complaint is against trans Union. These accounts are more than XXXX years old and or not mine. For example, I moved in XXXX bought current property and an account was opened in XXXX. I was long gone. I disputed it and it stays on my credit report. Another example, I didn't know anything about a 2nd account and asked for copy of agreement for card and purchases. I got copy of statement from creditor, but nothing to show I did not open account, just monthly statement that I know nothing about. 
Yet, trans Union says it's my account This is way way in accurate. They should be removed.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I've been overcharged {$26000.00} after I paid {$13000.00} and the credit bureau has lied numerous of times and has not accepted my dispute and through the credit bureau which will be XXXX I'm tired of being lied on and I'm tired of all of my negative inquiries still being on my credit score to this day I've dealt with hardship for more than XXXX  years and it's time for me to take legal action I will take you to court if this issue is not resolved or deleted off of my account or credit score or report
Consumer complaint received 2021-07-27
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. (FL)

I have sent FOUR LETTERS previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

In 2016, I was charged over {$1700.00} in overdraft charges after chase bank removed my access to mobile bank deposits. I have recorded conversations with bank employees, recorded with their consent, explicitly stating that the feature was removed due to low funding levels in my account, though no official guidelines were ever presented to me, despite multiple requests. My complaint is split into two parts : 1. ) Chase Bank utilized predatory tactics to remove mobile deposit from consumers who would most benefit from the feature. I was forced to incur heavy overdraft fees, many of which were returned when bank employees agreed that fees were caused exclusively due to the removal of that feature. After multiple instances when the bank agreed with my complaints and reversed fees, they continued agreeing but no longer had the capacity to reverse the charges. In one instance, when the city of XXXX was completely flooded and no street access existed to banks or atms, I was still charged a fee, even when I showed the ability to make a deposit as soon as the streets became accessible. Instances such as this occurred on numerous occasions, and each time employees told me that my feature had been removed due to a history of overdrafts, which was entirely created as a result of the removal, itself. This policy of removing the feature for customers with low or negative balances puts us into a purposeful loop of overdraft fees, which bank employees acknowledged as a known problem. 

2. ) I asked on numerous occasions to be given written or formal guidelines about my rights, as a consumer to utilize the mobile deposit feature. While in my recordings bank employees give vastly different answers about the terms of use, none could provide me with clear written rules. Who qualifies for that feature? When will mine be turned on? Why was the feature removed as a result of overdraft fees? All indicated that the feature was removed due to low funds or overdrafts, but none could explain why removal came as a consequence of those facts. Several employees agreed that this was an unfair practice and indicated that numerous customers called in with similar complaints over time. The second portion of my complaint is thus about the bank 's lack of transparency about customer terms of use. 

My recorded conversations with employees are from XX/XX/16, XX/XX/16, XX/XX/2016, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. In total, throughout that period I was assessed {$1700.00} in fees, though {$500.00} were refunded by employees who agreed that I had done all I could to avoid them.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX & Equifax still showing a balance on a credit card from ( XXXX XXXX  ) that i already paid off. and i need that account deleted from my credit report. As the bank agreed to delete. Thank you. i would greatfully appreciated. i've Gone through a financial Hardship And This Would Help Me With My Credit in the future. Thank You So Much.
Consumer complaint received 2019-06-12
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. (CO)

On XX/XX/2019, I instructed XXXX XXXX XXXX  to pay the remaining settlement amount to XXXX XXXX XXXX for account ending in XXXX. A total of {$1300.00} was paid to XXXX XXXX  to settle this account as " PAID OFF ''. 

I have tried to get XXXX XXXX to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MJ Altman Companies, Inc. (FL)

MJ ALTMAN COMPANIES - trying to collect a debt which does not belong to me. I have contacted the creditor, a medical company, and then have no records for me in their system. I reported this to MJ ALTMAN on more than 1 occasion, and they refuse to stop the collection. They have now reported me TWICE - two trade lines, to the bureaus, for a debt that does not belong to me. This has taken my score down over 100 points. Please help me in reaching out to this company. They will not go back to the creditor as I have to check the mistake. TY