davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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)

I contacted XXXX on XXXX regarding my car note with the financing company. I requested an extension on that day. I was sent a form via email to receive a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. I called within 30 days to save myself from being reported 30 days on my credit report. The point of getting a new car note, though I own a paid off vehicle, was to build positive credit. I signed and resent the extension request letter to XXXX via email on XXXX, after being told by the customer service told me that I was eligible for an extension. I contacted Customer Service again on XXXX after discovering that my credit report had a late payment showing 30 days late. I had no idea that it was absolutely required for me to email or fax over the document. I was told by the XXXX rep on XXXX that I could email the document back. Customer Service revealed to me that the extension request document would need to be faxed or mailed to XXXX. I was told that the documentation would be effective for 17 days from request, for mailed forms. I sent the XXXX via certified mail. This would be 10 days later. The item was estimated to arrive by XXXX, which would have given enough time to process this the extension request, considering that it was not conflicting with business days. The mail was not received and signed for until the XXXX of XXXX. The delay was due the fault of USPS. I was resent a new request form on XXXX. I was not able to complete the XXXX fax attempts on XXXX. Which I have attached proof. I was able to successfully complete the fax on XXXX on that Monday. 
I was successful. I contacted the XXXX to ensure my paperwork was received on Tuesday morning, XXXX. The Customer Service rep told me that I owed {$990.00} and to allow XXXX business days for the Extension Request to be processed & uploaded to the account. I processed a payment equivalent to XXXX month installment payment to avoid a 60 days late payment, since now I know that XXXX does not go by business days when measuring days late. I made a payment on XXXX to avoid a 60 day late payment mark on my credit report. The account used to pay the bank account was the bank account that keeps kicking back from the system & blocked me from online access to pay. Thats another issue. The same account that is in the online portal is the same account that the Customer Service reps use to complete my over-the-phone payments. Being blocked from having the ability to pay online is overwhelming. I say all this to say that the tardiness of the 2 month extension form was out of control. The Customer Service Rep that told me to send the extension form back via email is not my fault. I was wrongfully reported 30 days late even considering XXXX and the XXXX XXXX XXXX I would like to request that the 30 day late payment is removed from my report. Its wrongful reporting and the delays are not my fault. Thank you so much.
Consumer complaint received 2022-09-10
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. (NY)

Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are
Consumer complaint received 2017-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I had paid my Best buy bill which was for a total of {$100.00} in store on XX/XX/2017. The due date is on XX/XX/XXXX. I continued to check my account balance for the entire week. No payment was applied. It had appeard as if I did not make any payment at all. 

The day before I called the XXXX customer service number. I made an attempt to send an email message. The Message included a reciept authorization number located on the reciept to show them I indeed had made a payment and the number was proof of payment. I recieved an emailed response claiming that there was no record of payment. 

I called the XXXX Customer service number located on the card. Once I was able to speak with a person. I was told that there was no record of payment. I explained that I had made an in store payment on XX/XX/XXXX and that I had the reciept in front of me. I also informed the person that I sent an email message the evening before. The person said I needed to be transfered to a specialist. I was on hold for about 3-5 minutes. I never spoke with the specialist. I was informed by the same person that told me I needed to speak with the specialist that they have my payment information on record and that I have a XXXX balance and that it would take 7-10 days to show on my account. I was also told that if a late fee is applied, that it 'll be waived. The person also claimed that this is not the first time this happened. I asked the person if there was any information they needed from the reciept before we disconnected from the call. I was told no more information was needed. 

This is my first negative experience after making an in store XXXX bill payment. I suppose there are issues with staff or processing payments. I 'm not sure which, either way this is an inconvenience for me who always makes payments on time and pays in full. My concern is that this mistake is going to be added to my credit report. Without any fault of my behalf.
Consumer complaint received 2021-02-08
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 (PA)

My dispute is mostly with XXXX and XXXX but it was purchased with my Amex card and they are handling the dispute but in a very slow manner. 

In XXXX a XXXX handbag was purchased for {$3900.00} or so. Express/Next Day shipping was purchased and it should have been received on that Friday XX/XX/XXXX. As the day went on into late afternoon Friday, I called XXXX and they insisted that the package was in XXXX ( my destination ) and that it would still be there by XXXX at latest because oh holiday hours. I just had to be there to sign in. 
The package did not come. 

I called XXXX and XXXX on the following two days because each day it was said that the package was being delivered on the weekend and they still did not come. XXXX did give me {$21.00} back for shipping. 

On Monday XX/XX/14 I was on the phone with XXXX and XXXX around the XXXX XXXX time with more excuses and promises of delivery on this day. Because of how my schedule has be effected throughout the past three days I really didnt want to be consumed by this all again. Both parties made clear that if I didnt sign it on this 4th day of waiting, the package would be sent back to warehouse until the following day. 

At around XXXX I get an email notification saying that the package could not be delivered. I called in and service rep was saying that it was delivered which was false as I was home and its also confusing considering the email received. 

XXXX says that XXXX delivered my package and that it was signed which is impossible. I believe that XXXX employee either didnt deliver my package or signed it and left it somewhere else. This has been something that I have since researched and seen has been happening with some delivery companies. A police report was also submitted. 

When I originally fought this with Amex for fraud or stolen purchase, they said that they would jump right on it and it falls under Amex protection either way. After an initial review, my account was credited and then reversed with the resolution date constantly changing. 

This has been frustrating through a number of ways and has put me in a deeper financial burden without anything to show for it or reasonable way to account moving forward.
Consumer complaint received 2017-10-08
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX We disputed the information that 's being reported to my credit report which is incorrect and this company has n't provided me validation of the information that they 're reporting and using general information to confirm this incorrect information. This is causing very negative effect on my credit report scoring and I want this information removed ASAP
Consumer complaint received 2018-06-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY (NV)

My Mother, XXXX XXXX XXXX, a Resident & Senior Citizen of XXXX on a fixed income with a Grandson currently serving in the U.S. Military/XXXX  was defrauded by XXXX XXXX XXXX   XXXX XXXX ( XXXX ) into purchasing a 10 year lease for a XX/XX/XXXX XXXX XXXX priced at {$19000.00}, monthly payment = 1/3 of her income with NO opportunity to rescind/negotiate the offer or retrieve her XX/XX/XXXX XXXX XXXX back. She has repeatedly requested assistance and new terms from XXXX. She can not afford to pay a 10 year lease - payments in excess of {$200.00} payable to Wells Fargo Bank. We need your help to correct this matter and protect the unfair business and lending practices performed by XXXX XXXX XXXX XXXX XXXX. 


During her visit on XX/XX/XXXX, XXXX Sales Rep., XXXX XXXX besieged her with false sales pitches and treatment, required her to sign 50+ unread/unviewed docs, while XXXX took possession of her Kia without her knowledge. XXXX sold her a lease that will out-live her Life Expectancy, contains unachievable payment terms, and released her with a vehicle that she can not drive or fully operate. Upon further inspection of docs, we realized she was sold a Special Dealer Lease for High-Risk Groups akin to those used in faulty banking business practices/mortgage lending practices that led to the Great Recession of XX/XX/XXXX. 


My Mother who visibly suffers from XXXX XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She SHOULD HAVE NEVER BEEN SOLD the vehicle. Recently, she was hospitalized and further diagnosed with early signs of XXXX XXXX. 


The fact is she was coerced into purchasing a vehicle without XXXX verifying proof of income or employment or assessing her ability to sign 50+ with no further explanation of docs executed. XXXX  erred in judgement and applied cunning and crafty business practices to defraud an Elderly Person. XXXX should have never sold her a vehicle and recently just applied the Kill-Switch/Starter Interrupter leaving her XXXX and without transportation to hospitals and outpatient care services provided by the State of Nevada for her care and protection. 


My Mother, who is Elderly and Infirm on a fixed social security income was sold goods/services without Federal Consumer Financial Protections or State of Nevada Consumer Affairs protections. We need your help for an immediate resolution on this matter and to right-a-wrong! Thank-you for your immediate assistance. We hope to hear from you soon. 

XXXX, ( XXXX ) XXXX Son of XXXX XXXX XXXX XXXX XXXX XXXX Mobile ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I have applied for a mortgage refinance with XXXX. The application process began on XX/XX/XXXX and was approved for underwriting. I promptly submitted the required documentation and there was no issues. The loan being refinanced is a JUMBO mortgage loan and the investor is Chase Bank. 

Throughout the underwriting process, Chase Bank changed their underwriting requirements multiple times. They went from 90 % Loan to Value ( LTV ) as a  requirement and 1 month of liquid reserve assets ( about XXXX in total amount ). They then went to 88 % LTV as the requirement within a week. 

At the end of XXXX they changed their requirement to 85 % LTV and required XXXX in non-liquid reserves ( like retirement income ) and 6 months ( about XXXX ) in liquid assets. 

At this point, even with the changes, we were able to still proceed. However, 1 week before closing, on XX/XX/2020, Chase changed their underwriting guidelines again and are now requiring 80 % LTV. 

This results in a hardship for us and we don't have the extra money for closing with such a drastic change. It would require us to come up with approximately and extra XXXX for closing. 

I feel that Chase is being malicious in their underwriting guidelines and changing their requirements so drastically right before our closing date. Because it is a JUMBO mortgage they seem to not have any consistency or standards.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted the credit bureaus multiple times and all of them except Transuninon and resolved the issues. It's going on 90 days that I have been trying to remove an unauthorized XXXX  XXXX from my account and it is still there showing open with a high balance that is affecting my credit rating. This issue is causing server damage and it needs to be resolved ASAP.
Consumer complaint received 2017-10-08
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. (NC)

I am submitted several disputes to XXXX, XXXX and XXXX and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX XXXX sent a packet that included billing statements. The issue of inaccuracies was never address.
Consumer complaint received 2018-06-10
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. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX  XXXX, has violated my rights. 

15 USC 1681 section 602 a state I have the right to privacy.

15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason
Consumer complaint received 2017-12-04
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: Southwest Credit Systems, L.P. (TN)

On XXXX/XXXX/XXXX, I was made aware of a {$65.00} charge off that was reporting on my credit report by a " SW Credit Systems. '' I 've never had so much as a late payment on my credit report..ever. It was in the XXXX, and after this report it has dropped nearly XXXX points. So I contact this SW Credit at XXXX and spoke with an XXXX XXXX there. It took them forever to find my account, and stated it was a {$65.00} bill from XXXX XXXX?? I have n't had XXXX in about 2 years so I was very confused. I asked when they tried to contact me and I would 've paid them whatever they wanted before they reported it as a charge off and come to find out they sent one letter ( to an address I have n't lived at in years ) in XXXX. I asked if that was it and she said yes. 1 letter..over the course of 8 MONTHS. I asked her if she thought this was an appropriate amount of collections before sending it to charge off. She avoided answering the question and just read off a script, because anyone who is sane would know they answer is a most certain " No. '' I asked if we could come to some agreement where I would pay this mysterious {$65.00} bill and they would just remove this from my credit bureau. XXXX was emphatic that they have a no deletion policy. I then called XXXX at XXXX ( Collection Department ), where I came in contact with literally the rudest person I have ever dealt with in a business setting. She started yelling at me when I tried to get information on this alleged account I had, saying that I should n't have called there and I needed to speak directly with this Collection Agency that they sold my " debt '' to. She was trying to rush me off the phone from the 1st sentence. I asked if she could possibly assist me with this random 3rd party, possibly fax something to them. When I asked this, she literally yelled into the phone " WE ARE N'T GOING TO FAX ANYTHING TO ANYONE TO GET IF OFF YOUR CREDIT '' and actually hung up on me! I always remembered XXXX being very nice back when I had it, so I was astonished to come across someone so terribly rude. I 'm just so confused at this entire situation, I have a random 3rd party collection agency that has awful reviews reporting a {$65.00} charge off that I 've never been aware off but they claim that they sent ONE letter 8 months ago. When I try and contact the base company that my supposed " debt '' is with, I 'm met with rudeness beyond words. I ca n't believe I have been dealing with all of this, over a simple {$65.00}.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is still ongoing, Trans Union spliced my credit with someone elses, using my social security, with another persons name and bad credit .I have been trying for almost 2 months to get my credit back in order .I have sent all requested paperwork XXXX times .Nothing has been done .I call XXXX times a week just to find out nothing has been done and I always get the same answer 5-7 days.After the XXXX Nothing has been done .I 'm trying to get a mortgage and ca n't because of this .I 'm going to be homeless in XXXX .if I ca n't get this fixed .If documents are needed I prefer to mail them because of sensitive info
Consumer complaint received 2017-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: C&F MORTGAGE CORPORATION (VA)

C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert with them took action in United States District Court-XXXX, VA without notifying anyone of the lawsuit that was brought against and the order that was signed. C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert then proceeded to take action against those parties of interest in a derogatory and immature manner. ( Statements attached ) My statement includes information about restitution and whether or not an organization should restitution on my or our family behalf and at this time, I, XXXX XXXX XXXX am indicating " No. '' My response includes the fact that I have been affiliated with the XXXX before, however, after reviewing the participant that entered briefs, it has been determined that the former XXXX President filed a brief in the " XXXX '' case in which was heard by an XXXX XXXX Judge ( XXXX XXXX XXXX ). The mission of the XXXX is to protect people of XXXX against discrimination and in this case, the organization did not do so well at doing so. As a matter of fact, the " dumbing '' down of indicating it is " janitorial favoritism '' as if a janitor or other low profile individual ( s ) would receive the same amenities as a prominent individual as " XXXX '' is absurb, however, it might would be a pacifier to give a less prominent individual an amenity to disguise racism for someone trying to show that they are not XXXX, even if their race is XXXX XXXX. Again, the XXXX injured some self-sufficient and/or prominent XXXX XXXX   individuals when they drafted that brief, who are actually innovators and successful in their own right and right here in their own communities for some individuals who suppressed XXXX XXXX   progression in many arenas and painted the picture that success was better represented corruption. Despite the XXXX efforts to include or integrate other races and specifically XXXX  in to the XXXX, the mission and still focus is to advance people of XXXX in society, not aid in suppression, oppression, and degrading our XXXX XXXX leaders of notable and successful stature. The XXXX may represent people that live off of others income and success, however, I was never on of them. The community ( s ) we live in aid these individuals of all races enough with public assistance and housing vouchers. However, I and many prominent XXXX XXXX are not them.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop 10 points .I have no knowledge of this inquiry.