davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Escrow has been requesting the Payoff Demand from Ditech a XXXX XXXX every other day since XX/XX/XXXX, with NO RETURN Payoff Demand send. 
Ditech has send the owner many packages to assume the loan, which is not what the owner wants to do with her property. 
The property is in Escrow should have closed escrow XX/XX/XXXX and buyer is paying {$5000.00} to extent the interest on their loan. 
The owner has called Ditech and Ditech refuse to talk to her unless owner assume loan.
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI)

My mom was forced to flee XXXX on XX/XX/XXXX due to the war. She was able to get to XXXX where my sister came to help her to find a permeant place to stay. I needed to help financially so I asked my sister to help mom to open a bank account so I can easily transfer money. That's what she did. On XX/XX/XXXX I used MoneyGram to transfer money ( {$1000.00} ) from my debit card ( American bank account ) to the bank account of my mom in XXXX. On XX/XX/XXXX the MoneyGram app showed that completion date is XX/XX/XXXX, which is backdate. I have a screenshot of that information. Which my mom went to the bank Few times to the bank the first week of XXXX and they told her there is no money. Furthermore, they said that they are not working with MoneyGram system, so it is impossible for them to receive the money directly to their bank. I opened a case with MoneyGram on XX/XX/XXXX, which at that point the MoneyGram receipt has changed the completion date to XX/XX/XXXX. Yesterday, XX/XX/XXXX I received the email saying that transaction was completed, and money were sent. All these months I was constantly calling them, and live chatting and the representatives promised the company would contact the bank and issue would be resolved. The bank wasn't contacted by MoneyGram. My mom closed that bank account XX/XX/XXXX due to coming to stay permanently with me in the United States. 
We have a bank statement with all transactions made from the date account was opened to the date account was closed. MoneyGram would not accept any evidence and would not refund money. I am attaching the MoneyGram receipt of the transaction, my mother 's XXXX  bank statement, the document about the closure of the account, the resolution email from MoneyGram.

I am very disappointed by MoneyGram. I understand that the system mistake might occur if they failed to deliver money to someone's bank account, they must issue a full refund to a sender. 
Thank you
Consumer complaint received 2022-02-17
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-07-27
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like a full credit repair for all credit bureaus. They have incorrect information on my reports and Ive tried to dispute them but get the same answers every time
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (MI)

The following items do not belong to me and I believe my information might have been in the hands of the wrong person. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are not mine and I would like them removed immediately
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I recently attempted to use Experian 's website to submit a number of disputes regarding information on my credit reporting account. I have never attempted to submit any disputes before ; this was the first time. All of the accounts that I chose to dispute were in fact my accounts, but they were all either a ) accounts more than 7 years old that were paid in full ; b ) student loan accounts that had been consolidated to a new loan, but were still marked as having a negative impact on my credit score ;  and/or 3 ) duplicate reporting of the same account. On XXXX XXXX, 2019, I submitted 6 disputes. On XXXX XXXX, 2019 I received a notification that one of the disputed items that was a duplicate was removed from my account. On XXXX XXXX, 2019, I received another notification that one of my other disputed items was removed from my account. I have yet to hear about the other four disputed items, which were all related to the Department of Education, concerning consolidated loans that were nevertheless having a downward impact on my credit score. However, immediately following those two notifications, I received two other notifications : On XXXX XXXX, 2019, I was informed that my credit score was decreasing by 6 points On XXXX XXXX, 2019, I was informed that my credit score was dropped by another 1 point, for a total loss of 7 points There was no explanation for the sudden drop in credit score. I did nothing different.I have been paying my phone and utilities on time, and nothing at all has changed in my financial habits since I signed up to use the Experian Boost service in XXXX of this year ( 2019 ). I have not made any hard inquiries or had any other significant changes. The only possibly inquiry to my account was involving these requested disputes, which I understood to be an action I could take to improve and raise my credit score, not to decrease it. However, while there was no indication whatsoever as to the reason for the score decreases, the timing would suggest that it has occurred as a direct result of me making these inquiries, and I am anticipating that my score could potentially drop even further once the other disputes are attended to, and I am deeply unhappy with this result. It is the opposite of what I set out to use this service to do. 

When I reached out by phone, I tried twice, and encountered a system composed entirely of voice recordings, and when you press " 0 '' for operator, or say " Representative, '' the system does not recognize it, and after pressing " 0 '' several times, their phone system disconnected the call, both times. Therefore I was not able to reach an Experian representative to even attempt to resolve this issue through them.
Consumer complaint received 2018-04-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

Vehicle was turned in, on time, at lease end onXX/XX/XXXX. Vehicle passed inspection with flying colors, but excess mileage charge was never returned to me. Amount due to me is {$5400.00}! Called Ally Financial on three ( 3 ) different occasions to question why funds have not been returned, and on all three occasions I have been talking with foreigners who can not speak good, understandable English. It's not surprising that a caller is not asked to " Press one for English '', because apparently there is no one left at this business who speaks English clearly since XXXX XXXX sold the business. Both my wife and I have called and requested an English-speaking person without any success. We have collectively talked with seven ( 7 ) different individuals over the three ( 3 ) calls and still do not understand why our funds have not been returned to us. It is now over 4 and 1/2 months since we turned the vehicle into the dealership where we bought our new car! Ally Financial is using our funds to make interest at our expense and we demand immediate return of our funds, and they should include interest! My Ally account # is XXXX. We even had the dealership ( XXXX XXXX XXXX of XXXX  Michigan ) contact Ally, and they had no success in getting our funds returned either. We received a letter from Ally Financial datedXX/XX/XXXX indicating that our refund of {$5400.00} would be mailed under separate cover, but that was 53 days ago, and even the USPS service is not that slow! We have been told by our dealership personnel that the refund usually follows the letter within 7 days!
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month  they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2017-09-21
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. (VA)

My personal identifying information was exposed in the Equifax data breach. I am listed as a potential victim on the equifaxsecurity2017.com website and would like a resolution. I had to pay {$10.00} each to XXXX and XXXX to place a freeze on my credit reports with those bureaus ; I froze my credit with Equifax as well, it was offered for free. The problem is that the PIN to unlock the freeze for each of them may be reset with the same information that was leaked in the data breach.
Consumer complaint received 2022-08-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
Consumer complaint received 2018-05-02
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. (OH)

I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
Consumer complaint received 2022-02-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (NJ)

I recently mailed a certified letter to Hyundai motor finance concerning a charge off reporting on my consumer report. Hyundai motor finance is reporting inaccurate info. I am heartbroken that you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The IRS clearly says a Cancelled or Charge Off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681S-2 says Hyundai Finance you are a furnishing information to a consumer reporting agency.
Consumer complaint received 2022-02-17
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. (NC)

The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2018-05-03
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. (FL)

Prosper account on my Equifax still shows a balance of {$5000.00}. This prosper account has been paid in full and should show a balance of {$0.00}. Please correct this issue immediately.
Consumer complaint received 2018-05-02
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. (OH)

I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
Consumer complaint received 2022-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I will like to add to the previous complaint number XXXX. I received the reinstatement letter that Chase sent me for the reinstatement of the loan which HAF program is helping save home. We are trying to reinstate loan and chase has violated two provisions of the FDCPA. Cites 15.U.S.C. 1692e which the debt is misleading and U.S.C. 1692f ( ) unfair attempt to collect unauthorized fees. They violated by charging a non itemized corporate advance balance to reinstate the defaulted mortgage loan. its unfair to consumers under FDCPA to hide the true character of the debt thereby it impairing my ability to knowledgeable assess the validity of the debt. Therefore the debt violated the the FDCPA.
Consumer complaint received 2024-03-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was issued Delta choice rewards in exchange for bumping XXXX flights on flight XXXX on XX/XX/23. The credit was {$12000.00} ( {$3000.00} per ticket x 4 tickets ), issued to one email address since it was one reservation. I redeemed the rewards for Amex rewards gift cards ( 24 cards at {$500.00} each ) on XX/XX/23. 

I attempted to use the Amex cards multiple times and each time it fails. In fact, I have been unable to successfully charge even a single thing. I have tried at different vendors on different cards at different times- each time at a vendor that accepts Amex, where the charge is under the limit of the card value, and is correctly input. Each time, it fails. 

I contacted Amex at least 10 times by phone and also at least 20 - 30 times by email ( documentation included in this case ). Overall, I have been spun in circles : Amex would either be unresponsive or give non-answers stating that the cards worked or would share the instructions on how to use the card which I followed every time. At XXXX point, they asked for proof by sending screenshots of failed transactions, which I did. 

This has gone on since XXXX- all of which while there is a six month expiration that is getting closer-and-closer to expiring daily ( expires in XXXX ) and no ability to use the cards along the way. So {$12000.00} in cards and XXXX ability to spend it. 

In the attached documentation, Amex even shared the records on one of the cards that showed multiple attempts made and zero charged since it failed every time. At one point, I demanded to void the cards and reissue- they agreed, but then responses were as if that was never offered and emails reverted back to the same non-answers, instructions, and spinning in circles. The cards are impossible to use, literally, and Amex has given no solution in three months - while there is an expiration in XXXX and I will lose the money for no fault of my own. 

I feel scammed and would like a check for the {$12000.00} that I currently have in Amex gift cards and have been entirely unable to use - that Amex has received proof of and have also confirmed does not work ( in the attached documentation ).