davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir or Madam, Copied is a letter I wrote to Chase VISA Merchant Disputes Division who claim the charges are valid. If this does not get resolved I will consider suing them and the company that fraudulently took money from me because I gave them permission to and signed these stupid contracts with them. 
The following is a recent letter I mailed to the Merchant Disputes. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Merchant Disputes XXXX, XXXX XXXX RE : XXXX ( My account ending in XXXX ) Dear Sir or Madam : I recently received a letter from you and I dispute your decision. For the following reasons. In my opinion XXXX, also known as XXXX is a scam. These people are telemarketers that are very skilled and professional at what they do. They have fraudulently charged for services, that they refer to as packages, that were not rendered. 
All but the XXXX were completed. The rest of the packages that I paid for were not. I deserve to be at least refunded for the services that were not provided to me by this company. XXXX does not cost anywhere near the amount that they charged on my credit card. They charged a total of {$14000.00} on this credit card and I got absolutely nothing for it. They charged my credit card and promised that my XXXX would be in XXXX, that I would get an interview with XXXX, that it would be XXXX and put on the XXXX XXXX and XXXX across the states. They also promised that my XXXX would be reviewed in the XXXX, sold online, and that I would get 100 % of the XXXX. Well I got no completed XXXX, nothing. I demand that I get refunded at least {$12000.00} of this money!! They can keep the rest. I was robbed. It is unjust and unfair. 

Sincerely, XXXX
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (KS)

I was contacted by IDEAL collection agency sated I owed a debt when I resided at XXXX. I submitted a copy of the 60 day notice to the apartment complex stated when I was moving out.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

I had two people to PayPal me money for items I had already sent to them, they went and disputed the transactions, and PayPal took my money and they took my credits they brought. I sent in proof to then showing that they did approve the transaction and the did receive their credits but PayPal still let them scam me out of my money. After that happen they kept monitoring my account every time any transaction came through my account would get restricted. I normally hav people send me money for my mortgage or bills and I sent in the explanation behind my transaction and they permanently restricted my account. I have has PayPal for a long time without any problems until they let them scam me out of my money. I lost {$400.00} dollars they never had a problem with any of my transactions until then. I feel like I was discriminated against because the person disputed the transaction to scam and. my proof that they did do the transactions was overlooked.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

I had my phone stolen and the perpetrator used a digital wallet on my phone to make a ~ {$220.00} purchase at a retail store. 

After submitting a claim for this, the claim was denied with Chase indicating no new devices had accessed my account and my password wasn't changed when the transaction was made ( due to the perpetrator having my phone logged on to chase at the time- I was passed out and believe they used the faceID function to log in ). 

I have given Chase the police report filed as well as the receipt/invoice for my new phone ( along with documentation that my online password was changed the day after the fraudulent charge was made ), however the Company keeps telling me they can't open the claim back up even with any new information and that I should contact the retailer directly.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (FL)

I graduated in XX/XX/XXXX. After my graduation, I was given the 6 months grace period, but I was apart of an XXXX program, so my loans were put into forbearance. Because of this I have used up all of my forbearance time. I was out of work from XX/XX/XXXX to XX/XX/XXXX. They were not willing to work with me then. I had no choice but to put my loans back in forbearance, month after month. My monthly obligation to XXXX/Navient is about {$1400.00}. I currently receive $ XXXX monthly after taxes from my job. XXXX/Navient has not been willing to work with me. They have been more concerned about getting the full amount and will not accept a portion that I can afford. I do not have a problem with paying XXXX/Navient. What I do have a problem with is them not willing to work with me and not being understanding of my situation.
Consumer complaint received 2016-12-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (NY)

My complaint is directed toward Popular Community Bank cancellation policy, I closed my account XX/XX/XXXX and received a statement XX/XX/XXXX. I called the bank to verify if my account was closed. I was told both of my accounts were never closed, and the withdrawal slips states it was supposed to be XX/XX/XXXX I called Popular Community Bank after I received a statement XX/XX/XXXX and was to the account was still open, a Auto Charge was placed on my account and NSF Fee {$34.00}. My 2nd account was opened XX/XX/XXXX The representative stated that I will have to file a claim to have charges removed 1st and my 2nd account was both accounts were closed the same time, Popular Bank Rep told me she will place in a claim on the 2nd checking so that I am not charged to close the 2nd account. No transaction had taken place on 2nd account.
Consumer complaint received 2017-03-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SN SERVICING CORPORATION (NC)

On XX/XX/2016, I called my mortgage company to make a payment of {$490.00}. XXXX, the lady I talked to, told me that I normally pay on line, after that, she hung up on me. I told my husband I tried to make the house payment, the lady hung up on me, I do n't if the payment was made or not ; There were no thank you, we will process your payment, it will be so may days or what. My husband and I decided to pay the bill on line. 

A few days later we found that {$490.00} was debited from my/ husband 's account ; {$500.00} was also. I called XXXX ASAP asking why this company took {$500.00} without my permission & requested REFUND! of {$500.00}. XXXX tried to talk me into letting them/company keep the {$500.00} payment because XXXX was coming and I was gon na have to make another payment anyway. I told XXXX why would I want to make two house payments and of a higher amount in which I tried to make a payment of {$490.00} with you from the beginning. After a few harsh words, she told me to go to my bank, get statement proving they took the money in question & SEND FAX ; I did as requested of me and {$500.00} was credited back to my/ husband 's account. 

The next month 's house payment bill for XX/XX/2016, had a charge of {$25.00} for ( NSF ) NON-SUFFICIENT- FUNDS I called XXXX back asking why the charge of {$25.00} for ( NSF ) in which the money was there when you took it in the first place without me/ my /husband 's consent ; that I should not have to pay {$25.00} for something you all did wrong, Then, I asked XXXX to let me talk to someone in a higher position than her. I talked to XXXX supervisor, explained the situation at hand, requested to hear the recorded tape of quality assurance to prove that, # 1, I did not give you/your company permission to go into my/ husband 's bank account to get {$500.00} and now you want to charge me for the funds not being there. 

She said she will get the tape from ( IT ) Information Technology and she will call me back. I had to call them back ( 2 wk ). Then I was told that my husband gave permission in which he did not because he was reclining in his chair in the living room as he always does. We both remember all of this like it twas yesterday. I always take extensive notes when I pay bills and just about everything I do.The supervisor told me that I can not hear the recording.She left me with the impression that they can do and tell me anything, Just pay the {$25.00} ( NSF ) and be through with it is the impression XXXX leaves me. TODAY, the amount of {$25.00} ( NSF ) is still on my bill. 

This whole complaint is about my mortgage company debiting from my/husband 's bank account without permission, wanting to charge us for their paper work for them having to return our funds back to us. They will not let me hear the quality assurance tape and telling me we gave permission to go into our bank account in which we did not. This is not fair.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (NY)

Good Evening, I must start by saying I am very upset I needed to reach out to you for help. I am a XXXX and have been over 20yrs, I feel these should never have to get this far. On XX/XX/XXXX my American Express BlueBird account had 3 transations taking out of my account without authorization, as soon as I realized I didnt have my card and the last time I used it was at XXXX atm by my work. I immediatley contact AMEX and the first rep told me she cancelled my card and she would immediatly send me out a new card and have the 3 unauthorized transations reversed once they post " at that point still was in pending ''. She then transfered me over to the fraud department where I basically repeated myself and she repeated the prior girls response, they both said 72 hours I would have my money and a new card. Now this card has been open since XX/XX/XXXX I have NEVER had this happen, never even contacted them. But this card has everything coming out of it and I get paid weekly direct deposit. I have also FAXED there complaince department with confirmed receipts it was received stating this and still nothing. Since XX/XX/XXXX I have spoke to over 6 people all tell me to call someone else and never get back to me, I have sent 4 faxes as well, and still no card and no refund??? ITS XX/XX/XXXX!!! So my direct deposit hits the account every thursday I have to go online and send all my deposit to XXXX, leave work go to the customer service desk where I sent the money from that card to basically myself. I cant purchased anything online, XXXX, ex ... ..I have been very patient now I feel this is unexceptable. I am a XXXX and still would NEVER treat anyone like this, they request there money back after they make a payment and actually owe the bill I still refund it. Its XXXX dollars, 3 transactions.
Consumer complaint received 2016-12-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Their info and process is not transparent and dont give clear info. I paid a big chunk of my loan last year and they told me i have the payment due one year after. I still paid some before the next due date. I am paying more now than before even, but i still get few calls a day telling me i am behind and they will send me to collection and my credit will be ruined and they are charging more for finance charges. They are charging me 37 % interest and never decrease the payment amount due to lower total. The never give me clear numbers why and how they are charging me this much and why i am behind with higher payment with lower amount owing and still the amount owing keeps increasing. It is like contracting with devil.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (PA)

On XX/XX/year> at XXXXXXXX XXXX  I arrived at M & T Bank to have my document notarized. I was instructed by a bank representative XXXX to wait for the XXXX XXXX to finish with a customer. XXXX also asked me what the document was and I told her in nature what it was for and proceeded to wait for the XXXX XXXX. XXXX then approaches me again to state that the head teller could notarize my document and look it over. The head teller aggresively approaches me to ask to see the document and said without even looking it over that she would not in fact notarize my document as it needed to have a notarity on the document. I stated to the teller I have had many documents notarized here and what was the issue today? The head teller stated that I could go somewhere else to have it notarized and she has a right to refuse my document. I informed the head teller that this is an inconvenience to me and I would be making a formal complaint as this is discriminatory. I contacted the main office and the representative ( XXXX XXXX also filed a complaint on my behalf stated that there is nothing in their policy that would prevent my document from being notarized. XXXX also verified with her supervisor on their policies regarding notary. XXXX called the M & T Branch and spoke with the XXXX XXXX who stated she wasn't aware of what was going on and for me to stop back in so she could look at the document. XXXX was well aware of what happened and didn't intervene to put her employee 's in check to handle the situation professionally. I explained to XXXX that there has been previous incidents of discriminatory practices against myself at this particular branch! This Bank for XXXX is stealing my credits, has no knowledge of banking or what a XXXX negotiable instrument is. Has no clue on what it means to have loyal customers! This particular Branch caters to the Caucasian 's that come in there but treat the indigeneous woman as if I am some XXXX criminal. XXXX XXXX has yet to contact me from XXXX XXXX ago to make an appointment regarding handling my investments. If this continues to happen M & T Bank will have a nice discriminatory Lawsuit on their hands for improperly handling consumers of a different background from them. I want an apology from all three of them for displaying their hatred while representing a financial institution in such a hateful manner. Professionals need to know their roles and act as such! If the XXXX head teller couldn't notarize my document she had no business approaching me aggresively to say anything that was not in her XXXX job desription! They also lied and told my son they do not notarize documents and they only notarize bank statements when he also is an M & T customer. Please explain to me if that isn't discriminatory! When I go there often to have my documents notarized!
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IL)

On XX/XX/year> My XXXX XXXX dropped XXXX points because your company let Best Buy put more on my card than the credit limit. Now I have remarks on my once good credit report that now has a remark that says went over limit. You will find a way to remove that remark while taking care of the overcharge. Of course I can pay it down, thats why I chose to get the card that has 12 months interest free..but thats not the issue at hand. Its the predatory lending practice Citibank seems to practice quite often according to their reviews on several platforms. Your customer reps gave the run around. They told me its a simple issue to resolve, just pay the overage! Best Buy should teach their employees the consequences of the overcharge so they can tell the consumer. The fact they said the bank does this all the time. Citibank employees telling me You shouldnt have let them overcharge when your credit limit is {$1500.00} Acting like I knew better! XXXX sorry, but if Citibank doesnt decline the overage charge, its on Citibank XXXX not me. The FTC has laws against this, aka Anti XXXX laws. Citibank had the NERVE to tell me its my fault. Citibank tells me too bad, so sad that we screwed you over and destroyed your good credit because we let the {$160.00} OVER THE CREDIT LIMIT go through instead of DECLINING the purchase because it was over the limit. Your employees are the most incompetent, gas lighting and uneducated customer service reps including your so called XXXX who told me I shouldnt have let it happen. Instead of agreeing it should have never been approved over the credit limit and Breaking XXXX Laws by the FTC. Also, Citibank blames Best Buy and me as the consumer, for going over the credit limit is victim blaming. 100 % XXXX fault. The Best Buy employee are not the people that controls what Citibank approves when someone is making a purchase. My next steps are to make reports with several government agencies.