davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I signed up for the Chase Total Checking through a mail letter and online, and met the Direct deposit sign up deadline for a XXXX $ bonus, and I never received the XXXX $ now Chase is charging me XXXX $ a month for service fees on an account I didnt need, and only opened for the bonus, and J.P. Morgan Investments. I called the customer support, and they even said it was not in the fine print that I needed to have a qualified direct deposit. The terms were to set up direct deposit. Not to have a direct deposit come through. I read the whole letter I received in the mail, and read the terms, and fine print. It was not stated. Therefore Chase is in violation and is stealing money through monthly service fees they would not give me their ID number .... I talked to XXXX, and a Lady Named XXXX ( Spelling ) I also talked to XXXX XXXX XXXX
Consumer complaint received 2019-05-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I sent 2 transfer forms along with a letter of instruction to XXXX ( will be the receiving bank ) to send to Synchrony ( the bank to transfer the funds ) so that this would not happened. One account was handle okay and the second, MMA Roth IRA ending in XXXX was not handled according to the document. It clearly states the amount to be transferred, and the letter clearly states not to close the account. 
I received 2 emails one telling the the account was closed ( so where is the balance? ) and shortly after another telling me the account is active ( so where is the balance? ). I logged in to find that they transferred the entire balance, which is not what is stated on the transfer form.

This is the second time that this has happened and the 4th error they have made. I called to get it corrected and was told no one was available ( the usual ) and no one could call me back shortly. The last bout took 2 months to clear up. 
Attached are the emails I received the email I sent to them securely the transfer form and my account showing that they took the wrong amount and closed the account. 
If this didn't happen to me I would not beleive that they could make this error again.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX, I was made aware that two credit cards were opened fraudulently in my name as a result of identity theft. One of the cards was a XXXX XXXX XXXX by XXXX. I was told, by XXXX, that it was opened up on XX/XX/XXXX, online on the XXXX website. Someone then went into a XXXX XXXX, in XXXX California, on XX/XX/XXXX ( the same day ) and made a charge of {$810.00} for a hotel stay. This card was opened fraudulently online, and it was not me checking into the hotel in California. I live on the XXXX XXXX and have proof that I was in my hometown shopping at XXXX on the date of XX/XX/2018. I have proof of other transactions before and after this date showing that I was on the XXXX XXXX the entire time of question. I became aware of these activities on XX/XX/XXXX. I quickly put a freeze on all three credit reporting services. I called XXXX and told them that the card was opened fraudulently and to shut it down. XXXX said that they are closing the account as fraud, and that they will be sending me a Fraud Affidavit to fill out and sign. A Fraud Affidavit letter was never sent to me. I received a letter, dated XX/XX/XXXX, stating that their " investigation in now complete and our research indicates that the account is valid. '' I called them and told them again to shut it down. I then receive the bill on XX/XX/XXXX showing that I am responsible for the hotel stay. I again call XXXX and asked how come the transaction went through. I find out, that on the day the card was opened ( XXXX, online at XXXX XXXX   EST ) someone ( not me ) checked in with a PRINT OUT approval letter and credit card number ( not an actual card ) and showed ID to match to check in. So, XXXX for their fraud investigation, phones the hotel to verify if it is fraudulent. The hotel attendant states that it is their policy to check ID to verify the charge and that they did this for the {$810.00} charge. It is impossible that they had a physical card to swipe, because it had just been opened earlier that day, AND I received the physical card about 10 days later. XXXX is not reporting the card as fraud and I am responsible for the charge because the hotel it saying that they checked ID- that's their statement. I had mentioned in the beginning that two cards were opened up. The other one was a XXXX XXXX. I called them on the same day ( XXXX ), they shut down the card and sent me a letter dated XX/XX/XXXX, acknowledging that the application was fraudulent. Thus, I have proof that I was on the XXXX XXXX and NOT in California on XXXX, another card was opened fraudulently in my name, and XXXX still claims the card was not fraudulently opened because they believe the hotel attendant 's story about showing ID to check in with a print out approval letter for a card that was opened hours earlier. 
I can send related documents if requested.
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CASHCALL, INC. (CA)

I borrowed a total of {$2500.00}, XX/XX/XXXX from CashCall.com. My account went to collections and I agreed to pay {$230.00} per month with XXXX XXXX for two years. In XX/XX/XXXX, my debit card was stolen and when I attempted to call the company to give them my new information, the phone number had been disconnected. Then, XX/XX/XXXX, I get a phone call from XXXX XXXX XXXX. They left me an automated message to tell me I was going to served a law suit within 24 hours between the hours of XXXX -- XXXX, and to have two forms of ID ready to accept the lawsuit. I panicked and called the number back ( I was at work ) and begged them to not serve the papers - I also gave them {$200.00} over the phone. After going back and forth with them throughout the day ( while at work ), they agreed that this wasn't my fault and that I only owe {$600.00}. This jeopardized my employment and gave me a lot of anxiety.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (FL)

CREDIT MANAGEMENT LP repeatedly calls asking for my personal information. I'm not going to give or verify my personal information to a stranger. I have repeatedly told them to stop calling me. I have never opened an account with this company. This company reports in a legend that I owe a total of {$1.00}, XXXX for XXXX separate accounts ( $ XXXX ). Email the last representative I spoke to, I asked him why do I need to verify information if I don't even know who he is and why he's asking for the information. He never disclosed the reason for the car. He only stated that's what she says her world fell apart the company name and then asked me to verify my address. Subsequently, my credit score has dropped significantly. I don't want my address shared with CREDIT MANAGEMENT LP. There was no address/email to link to this company.
Consumer complaint received 2018-05-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GREAT WESTERN BANCORP, INC. (GA)

I have reviewed the answer Great Western Bank ( GWB ) claiming they did not have a record of the property address with it actually XXXX XXXX XXXX XXXX XXXX XXXX but the address on the Note is XXXX XXXX XXXX XXXX NE XXXX, which because this was a new subdivision right off XXXX XXXX it was listed wrong, however the legal description is XXXX XXXX, XXXX XXXX XXXX, a Subdivision as Surveyed, Platted and Recorded in XXXX County, Nebraska. 

The Deed of Trust can only be recorded by a party that has a financial interest in the loan which as GWB sold the loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, their financial interest ended that day. XXXX XXXX  up and the documentation proves the facts. 

Nebraska Statute 76-238 instructs that the Deed not enforceable until it is delivered and recorded. GWB by law needed to have had the Deed of Trust delivered and record before XX/XX/XXXX, anything after that point GWB does not have the right to try and correct the error that was not caught until XX/XX/XXXX, when the loan was accepted into the XXXX XXXX XXXX XXXX. 

XXXX is not and never has been approved to do business in the State of NE. NE Statute 21-20,168 demands that Foreign corporation apply and receive a certificate of authority. 

XXXX used the position of mortgage servicer to have a " Forged '' title created, however, they were caught and confess that they were not the owner of the debt when I made the OCC obtain the Note from XXXX. XXXX spotted the lack of the Assignment of DOT and GWB 's error and used that to make it look as if GWB sold the debt XX/XX/XXXX! 

GWB is an accomplice in this fraudulent activity that illegally foreclosed on my property.as it started with there violating the rules.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (SC)

I was contacted by Monterey Financial and spoke to a representative. She asked to speak with XXXX. My name is similar but not XXXX. I told her that I saw their company name on my credit report so they definitely have an open collections account but my name is not XXXX, last name was correct however. I explained that I am a victim of identity theft and she hung up on me. I called back and was repeatedly hung up on after explaining the situation. They said since they couldnt verify the account was mine, they couldnt speak to me. They did not ask for any other information to verify the account, only my name.
Consumer complaint received 2019-05-30
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: JPMORGAN CHASE & CO. (OH)

I WAS CONTACTED BY THIS COMPANY CREATIVE VACATION SOLUTIONS TO PERFORM A SERVICE FOR ME I PAID THEM ON XX/XX/2010 XXXX AND NEVER HEARD FROM THEM AGAIN AND THEY DID NOTHING FOR ME. I CALLED CHASE VISA AND REPORTED THAT THIS COMPANY WAS A FRAUD AND THE CREDIT CARD COMPANY DID NOTHING. THEY SHOULD BACK ME AS THERE CLIENT AND THEY DID NOT. I WANT MY MONEY BACK IT SHOULD NOT MATTER WHEN THE TRANSACTION WAS DONE THEY SHOULD CREDIT MY ACCOUNT AT ANY TIME. PLEASE HELP ME GET MY MONEY BACK.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IA)

Last summer ( XX/XX/2017 ) I reported my debit card lost or stolen and US Bank sent me another card. Then later we noticed that charges were on my account from XXXX XXXX - and when I called about them they were attached to the debit card I reported lost or stolen. It was never canceled - so they canceled that card and I disputed the charges. I received a statement in XX/XX/XXXX showing a XXXX balance. Then then next thing I know I started getting a call from a collection company saying I owed like {$140.00}. US Bank charged me back for half of the disputed charges because they said the claim was over 120 days old and they couldn't do anything about it. 
After fighting and talking to someone on the XXXX XXXX they told me to contact my local branch we I did - he had no luck and we are back to square one. I have been fighting this since XX/XX/XXXX. We posted on XXXX our issues US bank called and said they would look into it. Never heard back then my local branch manager called and said they put it back on him and he couldn't do anything. Basically sorry about your luck. In the meantime - my local brand manager said he would close our savings for me - ( I didn't ask him to ) and then charged me a {$38.00} forced closed fee. I have about {$200.00} worth of fees locally and still in collections and can not get an answer from anyone. If the debit card had been canceled/closed when I called none of this would be going on. Now its my credit on the line along with all of these fees.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Marlette Funding, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX In reviewing my credit report I noticed that in the last 24 months this company has requested a soft check 17 times without my permission Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX When calling the number listed on the credit report I was not able to get a person to answer the phone. Currently on 30 minutes of a recorded commercial for their best egg loan service.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (MA)

XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, WI XXXX insists that I had a revolving account with them that went unpaid and has filed a negative credit report despite my numerous calls to them to explain that I have never, ever had a XXXX XXXX XXXX credit card. These people don't listen. I was a victim of identity theft years ago by a person I was temporarily helping out with housing and this debt was apparently part of that. In addition, I had just had a XXXX XXXX   XXXX before the dates mentioned and had no reason to purchase clothing because I didn't go anywhere for nearly a year afterwards. 
I have asked that XXXX XXXX XXXX produce a document with my signature or other agreement proving that I applied for credit with them but they have thus far been unable or unwilling to provide it. The irony is that this is a clothing store with clothes made primarily from synthetic fabrics to which I am allergic. I am able to wear only natural fiber clothing such as cotton and linen. They do not have clothing I could or would wear.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit re
porting. 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. 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the 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 protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2018-05-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc. (WI)

This company repeated calls me various times a day never leave a voicemail and when I call back they won't disclose who they are to me. They immediately ask for my information and then they sent me 2 different people personal information in the matter of minutes via email. When I called to inform them they said stop the scheme I'm trying to commit because they cant5help me amd that they will always report to my credit report as negative. I informed them that thats bad practice then they transferred me to a " manager '' the manager dismmissed what I said about the othwr associates I spoke to amd dissmissed what I said about the company sending me other people information that wasn't mine. The manager only concern was to receive a payment from me. I informed the manager that I did not feel comfortable because how the associates spoke to me and the fact that I now have their other customers information that they sent me. The manager then said oh well and hung up.
Consumer complaint received 2018-02-22
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. (CA)

I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (UT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CBE GROUP. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

CBE GROUP XXXX Balance {$1700.00} ; CBE GROUP XXXX Balance {$1800.00} ; CBE GROUP XXXX Balance {$1500.00}
Consumer complaint received 2019-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have been making payments towards PSLF since XX/XX/XXXX. I have confirmed that I meet all of the mandatory specifications to be enrolled. I verified my employment and was told since XX/XX/XXXX-XX/XX/XXXX that I had only made 26 qualifying payments.. This was a major surprise as I had been making payments every month on time with the exception of 2 times since XX/XX/XXXX. The problem lies in the transparency of Myfedloan in stating the " minimum balance '' correctly. For example, on the screen in black and white text, it would say my minimum due was " {$130.00}. '' I would then make an on time payment for " {$130.00} and I would receive an email saying " my payment was accepted and received. '' However, when I went to verify my employment with PSLF and have my payments credited toward my 120 qualifying payments, they claimed there have only been 26 qualifying payments since XX/XX/XXXX!! Without my knowledge and consent, they were applying the overage ( since I was rounding up payments ) to my principal, then the following month they would deduct that overage and say THAT was my minimum due ... Then I assumed, the minimum due was ALL I OWED to make a qualifying payment -- but it wasn't! Why am I being jeopardized for making an on time payment ABOVE the minimum? This was VERY misleading and NOT transparent. For instance, if I make a payment to XXXX, and pay the minimum due ( let 's say min is XXXX and I pay XXXX ) my payment is applied to my overall balance and the next month the minimum due STATES what I owe to make a qualifying minimum payment most likely still {$100.00} -- whatever I apply to the payment ( as long as it meet the MINIMUM required -- anything extra above and beyond the minimum still counts towards my payment!!! ) I am asking for my previous on time payments to be applied towards the 120 qualifying payments. I am also asking for there to be a change in myfedloan 's system -- where they are mandated to report the CORRECT minimum due according to " the persons 120 qualified payment amount '' regardless of what the person pays over and above that minimum.