davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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 am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2015-06-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Johnson Mark LLC (ID)

I recently recieved a letter from an attorney named Mark Johnson LLC dated XXXX/XXXX/15 in which they state I owe a balance of {$320.00} for a judgment with no case number given. This is XXXX of many demands for payment made by this company over the last couple of years. They have issued several garnishments against my wages in the last XXXX years. The last garnishment was confimed as paid in full by my employer 's payroll department and XXXX County Sheriff approximately XXXX. I have not recieved responses to previous requests for validation of the debt and/or confirmation of previous monies recieved. I believe this law firm is repeatedly attempting to collect on a debt that has been paid multiple times
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (WA)

I have a credit card account with US Bank that I attempted to cancel at least five years ago. I learned by way of a credit monitoring alert that US Bank had not in fact canceled my account, despite my request. ( In fact, the account remains active even after my second written request. ) Although I had not charged anything to the account since I attempted cancellation, it incurred an annual fee that I did not pay, and thereby resulted in a 30- and 60-day delinquency that was reported to credit bureaus. I have sent two letters to US Bank requesting a discussion of this misunderstanding/error and a fair resolution. US Bank is utterly inaccessible and unwilling to discuss a resolution to this matter with anything but unsigned form letters.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Nationwide Credit Corporation (MD)

The company called at XXXX, and again thereafter every 2 hours It was stated that they are not authorized to contact me by phone as a cease letter was sent months ago. In addition, a request for the debt to be sent back to the creditor where the insurance payment can or could be adjusted was not adhered to. I have asked more than once for them not to call and they continue to do so with multiple numbers and both phone lines.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from ChexSystems consumer report. It also should be noted that the account was reported twice on my ChexSystems as well. So not only should the account not have been reported at all, but it should not have been reported twice.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

I 'm writing about a personal banking issue I had with U.S. Bank. In 2013, U.S Bank opened a reserve line on my behalf, at the suggestion of a personal banker. It was pitched to me as overdraft protection. The problem is that the instrument was not properly explained to me over the phone and thus I was unaware that in the event of a negative checking balance, the reserve line would be drawn upon, rather than simply dipping into my savings. The banker did not tell me this crucial fact. Over the course of 3 years, I received a number of unnecessary and extreme interest charges totaling around {$800.00}. I believe the following : 1 ) This instrument was " sold '' to me improperly 2 ) It was not properly explained by the banker ( the process to authorize by phone and there is no paper trail to show that I understood the penalties or how the instrument worked ) 3 ) It amounts to fee gouging and does not alert consumers clearly that they are drawing on this expensive line ( had I known this, I could have simply replenished my checking account ) I 've been on the phone for multiple hours with low level online banking support and through a branch. They tried to be helpful but did n't have the authority to move this along. 

I am diligent in my review of my monthly statements but they are not laid out in a transparent manner and this reserve line was buried on page XXXX. Yet another reason I do n't believe the reserve line was issued or managed in a transparent manner. 

Because my initial conversation about the reserve line with the U.S. Bank banker was in XXXX of 2013, U.S. Bank claims they no longer have a record of that voice conversation but rather I should trust that the benefits were explained clearly. I disagree with this assertion. 

CFPB is a great resource and I thank for your consideration. I look forward to hearing back. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (SC)

A company by the name of NP Group, supposedly out of New York keeps contacting me and my family member saying I have XXXX unpaid pay day loans which I did not apply for. They say I owed around {$1200.00} originally and then I asked for documentation. I was then told they are a paperless company but they will email me documentation of the debt. I got an email with XXXX PDF files of some of the most unprofessionally put together statements of debt that which added up to be over {$300.00} than the original amount. I was then followed up with another phone call with them stating that I had said I wanted to settle, which I did not. I then asked how do I know this is not a scam and the girl got extremely rude and said that she had sent the documentation proving it was not a scam and if I did not settle that the phone calls would continue and will not stop. She called again the next day and I told her that I was reporting them and was not going to pay them anything and she said ok sir the well we will continue to call until it is settled and then she hung up on me. Ironically less than 1 hour after I was hung up on I started getting emails and phone calls saying I have been approved for the loans I applied for. So far I have contacted XXXX, XXXX, and XXXX. All of which said there were loans applied for with my name and email address.
Consumer complaint received 2016-07-22
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: DISCOVER BANK (CA)

They will not tell me what rate they will give me until after they do a " hard '' credit inquiry. They advertise rates between 3 % -7 %, but I have applied and get accepted for the loan but it is always at the high end ( 7 % ). I do n't want a high interest loan. I have a good credit score ( XXXX ). Why ca n't they tell me before they wo n't give me a low interest rate? Why do they have to do a " hard '' credit inquiry? It lowers my credit score. The system is not fair! Why ca n't they do a " soft '' inquiry to see if I have a chance of getting a low interest rate loan. Or I could fill out a form telling me if I have a good chance of getting it or not? The rates are misleading!
Consumer complaint received 2016-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

Back in early XXXX of 2015, I saw a promotion for Discover bank where if you have a Discover credit card and never had a Discover checking account, you can use promotion code " XXXX '' to open a new checking account, and after XXXX direct deposits, the bank will issue a {$300.00} bonus into the account. 

I had a Discover credit card and never had a Discover bank account, so I signed into my Discover credit card account online and tried signing up for a new checking account using the said promotion code. Discover bank 's system accepted the promotion code as valild, that 's when I decided that it 's a really good deal and went on to complete the enrollment process. 

After making XXXX direct desposits as required, I called Discover bank to see when I 'll be getting the bonus cash from the promotion. That 's when they told me that I actually do n't qualify for the promotion, because after XXXX/XXXX/2015 they changed some fine print to make the promotion a " targeted '' XXXX, and since I 'm not on the target list, I do n't qualify, even though the promotion code was accepted during enrollment " because it 's a valid promotion code '' they say. 

From a consumer 's perspective, the fact that their system accepted my promotion code as valid during the enrollment process should mean that I qualify for the promotion. If I did n't qualify for the promotion, their system should have indicated as such, so I would n't be led to believe that I qualify and go on to enroll for their product believing I 'm getting a good deal. I have also never received any communication from Discover Bank after the fact to let me know that I did n't qualify for the promotion. Any other reputable online store I go to, if they accept a promotion code during checkout, that means I qualify for the promotion. I have never seen any other company accept a promotion code as valid " because it 's valid for other people and not you '' and never send out any communication to let a consumer know what 's going on. 

I feel that Discover Bank 's actions are misleading and deceptive. Their system led me to believe that I 'm getting a good offer and tricked me into enrolling in their product. They led me on further by never communicating the fact that the promotion code they accepted as valid is actually not valid, so that I would start direct depositing my pay checks into the new checking account with them. All the time wasted and emotional distress aside, I 'm seeking for Discover bank to honor the promotion and credit me {$300.00}. 

Thank you for your help looking into this case.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Re : XXXX XXXX XXXX, Account # XXXXI was a victim of a personal check fraud. When I was finally able to resolve the issue with the collection agency and submit the deletion letter to Experian via its online system, within an hour I have received an email stating that they have verified the account and it belongs to me. I have a deletion letter from the collection agency stating that this account has been closed due to fraud. I am just asking Experian to review the information properly and remove the account from my report.
Consumer complaint received 2015-07-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have disputed XXXX collection accounts from ARS collections company. I received notification that it has been removed from my credit report. A week later it was placed back on my credit report without notification from the credit bureaus or the collection company. I have written letters to the collection company asking to validate the debts and they still are unable to provide me with proof.
Consumer complaint received 2022-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc. (NJ)

So I hope this is the correct form. 
I tried this. It now pay later thing. ( Quadpay ) aka zip pay. You pay in 4 installments. These people are thieves. They charged my card for an item that was not delivered. I complained to the bank and they disputed the item. 
The card for the second installment was turned off as I had the bank replace it. Rather then them call me and ask whats going on, they fraudulently charged one of my other cards on file without my authorization. This is stealing. I dont understand how they can just do this. You ask not assume. Ive disputed the item again with the bank as its fraud. 

I just want people to be aware of things like this. This is completely unfair.
Consumer complaint received 2016-04-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I am getting threatening calls from someone who claims to be associated to Ace Cash Express. They left me a voicemail from a blocked caller ID stating that they would be coming out to my home or place of business between XXXX and XXXX the following day and that they needed to leave me the voicemail for their safety. At that time, they did n't tell me who they were, they only left a phone number. The recording requested that my Supervisor be present. They left a phone number to contact XXXX. When I contact the phone number they implied that I would be facing charges for theft of services and check fraud. I was scared to death. However, I knew this is not legal practice in the state of Texas. I was also reading online that there is a scammer out there claiming to be associated to Ace Cash Express that is attempting to trick people into believing they are the debt collector and people give them money to prevent the harassment, only to find out the debt with the original debtor was never paid. I am concerned about this and I am pretty sure this is n't the end of their contact. I am concerned that the threats may become more aggressive or that they may actually show up on my doorstep as they have threatened and that would be terrifying. I just wanted to make others aware of these practices.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CO)

I went to mexico and enjoyed a day of swimming with the dolphins. Once the day was finished I went to buy pictures with my credit card. During this time dolphinaris credit card machine went down. They swipped my card 5 times with no success. The dolphinaris said we will bring your pictures to your hotel for cash payment. I was ok with that. When I arrived back XXXX I noticed XXXX charges on my credit card. I immediately called US Bank and disputed the charges, the bank took off all charges and credited back my account, then one of the charges were added back to my account till I could prove I paid with cash, I asked if the bank could get my signature verification, I was told no they do n't do that and people do n't sign their cards anymore, It was up me to get prove I did not charge my card and that I paid cash for my pictures. So that is exactly what I did. I got the proof after about 3 weeks. I sent this information though XXXX mail as well as to these fax number XXXX XXXX, Every time I have sent to these numbers it appears that nothing is being done. I spoke to a XXXX, XXXX, XXXX, XXXX to XXXX again on XXXX and sent the fax over nothing was doneSpoke to XXXX XXXX XXXX and then XXXX XXXX XXXX, fax was sent nothing was done. 
spoke to case manager and she was extremely rude and unprofessional and was unwilling to help. 
Spoke to XXXX today XXXX XXXX and said that XXXX did receive my fax but was unsure what happened to the fax. XXXX stated that something on their end is not being done right and that this was not my fault. She also stated that I could send the fax to her directly. I asked what can she do that no one else in her dept has n't already promised me. She said as soon as she sees in come through she will call me. I said that is fine.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureau has several incorrect addresses on file. I have informed them to remove the inaccurate information from my credit file. However, the incorrect information remains on my report. I have provide Transunion with the correct address and employer that should be listed on my credit file. The inaccurate information still remains on my file.
Consumer complaint received 2016-02-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TN)

I have a vehice loan with Ally financial I 've been harassed every since they financed my vehicle. I recently received a call from Ally stating they had a repossession order out for my vehicle XXXX Chrysler 300. My payments are current but the repossession is for late charges. I have n't been receiving monthly statements for my account nor have I received any type of correspondence stating that there is a repo order out for my vehicle. I would appreciate your help with this urgent matter. I want to pay my financial obligations. I feel I 'm being discriminated against and being harassed
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I previously disputed a creditors account with Transunion. I was first alerted to this delinquent account from " XXXX XXXX '' when I received an email from a credit monitoring service i subscribe to called XXXX XXXX, they alert you to any changes on your credit report. I immediately called on XXXX/XXXX/2016 the creditor " XXXX XXXX '' and asked for an explanation as to why this account was on my report, they could not give me any reason. I then asked for the information verifying the debt to be sent to me and to and to this date have received nothing. Below is an except I have copied directly from the CFPB website. 
" If the debt collector does n't provide that information in the first contact with you, it is required to send you a written notice including that information within five days after contacting you '' To reiterate I have not received any information from this company. Transunion states they verified the debt which I find highly impossible considering I was never sent information backing this claim. Please delete the account " XXXX '' from my credit report. Thank you
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello. Someone is using my social security number and applying for credit in my name. I found this out because I received an alert from my credit monitoring agency showing that credit has been applied for in my name. The company is called XXXX and they are a debt collection company for a mattress company, XXXX. I have not applied for credit through this company. This company appears to be out of XXXX and/or XXXX and I live in XXXX. Furthermore, I have a mattress, I would never rent to own a mattress and I am a person with an outstanding payment history. I have reached out to XXXX XXXX at XXXX XXXX XXXX and she will not help me. I told her that I can send her whatever she needs to verify my identity and that the person who applied for credit is using the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as it too is listed on my credit report and that I have never lived in that state. However, she still will not remove the item. Can you please help me?
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has sent me a copy of a document dated XX/XX/XXXX which they claim confirms the tax lien which I am disputing is valid and legally allowed to be reported to my name for a dispute in XX/XX/XXXX. I am flabbergasted at this companies actions and terrible investigate work in verifying a dispute dating all the way to XX/XX/XXXX until today with a document dated nearly 5 years old. They have repeatedly threatened me on the phone and by mail that I am NOT allowed to dispute this item any more. I believe that this is another attempt to lie and fool consumers into shutting up and going away. This lien is no longer under my name I demand that Transunion send me the PROPER and CURRENT documentation if they disagree. I want my signature, my tax returns verifying that I owe anything to the STATE as late as XX/XX/XXXX will be acceptable in avoiding litigation. I want the proper and current dated documents mailed to me certifying and verifying this lien as mine. I want to know who they spoke to and if they forwarded the documents I sent the showing the withdrawal of the lien. This lien was negotiated and paid in full through the 'reconveyence program ' though monthly installments. I have spoken to the Franchise Tax Board personally and they have informed me that they have not received any documentation or calls from anyone at Transunion. Please delete this withdrawn, inaccurate and invalid lien from my credit report immediately.