davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: COLUMBIA BANKING SYSTEM, INC. (CA)

I went to the XXXX XXXX branch of Umpqua Bank in XX/XX/XXXX to send money to XXXX. I was told that I needed a cashier 's check. The check was sent but could not be cashed. I took the cashier 's check back to the branch on XX/XX/XXXX. The representative told me that the check was " old '' and that the manager had to approve my redepositing it. ( Two to three months to and from XXXX, even for airmail, is not unusual. ) I then said that I wanted the fee- I thought that the cost was {$25.00} but was twice told that the fee had been approx. {$12.00} but is now {$10.00} ) to be reimbursed. The representative told me, all but verbatim, that Umpqua Bank is not responsible for what other banks do and don't do. I asked to speak with the manager who said what the representative had all but just said. Both were amazingly rude. I then went to the Umpqua XXXX XXXX branch in XXXX XXXX, CA. In asking for a copy of the cashier 's check, the representative asked why the money had not been sent by wire. A copy of the cashier 's check revealed that the funds had been sent in XXXX not XXXX dollars. I called Umpqua 's customer service and found out that it is the manager 's discretion re reimbursement of the fee. I asked how can that be ie apparently, I have to pay even though Umpqua was in error as to how currency should be sent abroad and when I complain, it is perfectly acceptable for me to be treated so very rudely. It appears that as a customer with Umpqua, I should know which branches to visit to obtain the correct info and services as well as be treated well? If I go to an engineer because my land has drainage problems, how am I supposed to know what drains or whatever is needed. This is a matter of principle and as I become older, I am so tired of dishonesty.so
Consumer complaint received 2023-04-06
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. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

In XX/XX/, my Discover credit card payment was reported as late and with an incorrect past-due amount to the credit bureaus. This has significantly affected my credit score, where it has decreased by over XXXX points with numerous cards limiting my available balance because of the alleged supposed increase in my risk profile. I believe I was enrolled on autopay, I do on most of my cards. I did not receive any notification in the mail about any late payment as required by the FDCPA and the RFDCPA, since I'm a California resident. To the extent my payments were late because I was not properly enrolled on autopay, I have no problem paying a late fee per my contractual obligations. But the payments should not have been reported as late to the credit bureaus without offering me a fair warning to fix the situation. At a minimum, I should have been given official notice to make the payment before it was reported as later. Indeed, as soon as I saw the credit bureau late payment report, I immediately paid the balance to bring back the account as current.
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Frontline Asset Strategies, LLC (NC)

In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

I requested proof of debt several times over the phone when contacted but never received any information.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

On XX/XX/ I was attempting to buy car parts from XXXX. This was my first ever time using XXXX to make a purchase. I had made the first payment of XXXX $ and then XXXX $ for shipping. They sent me tracking number and label as well, however it was false. Once all of that was sent, they told me I had to pay an XXXX $ insurance fee. They promised all fees I sent would be refunded as my packaged would be arrived. After, they requested an XXXX $ city permit fee, which would be refunded as well. I sent that as well, because I believed it would have been refunded. It was also XXXX $ to protect my package since it was labeled as 'discrete ' by the sender. The last payment was a refund request fee. They said if I paid XXXX XXXX the refund process would be initiated immediately. I then sent that over in hopes of getting my refund soon. The website used to contact me all this was XXXX XXXX XXXXXXXX The contacted me via message on the site. They was the ones who gave me updates on the 'package '' Once I sent the last refund request fee, they blocked me and did not send me any package nor refund. I started my claim with the bank XX/XX/23. I am with US BANK. I ended up closing my account and opening new bank cards to avoid any potential threats. They then denied all the disputes on XX/XX/23. I am willing to send proof of conversations exchanged.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP (NY)

I have received a letter from Mandarich Law Group with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. Mandarich Law Group represent XXXX XXXX XXXX which purchased the debt from XXXXXXXX XXXX credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXX and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXX New York state collection law is XXXX years.
Consumer complaint received 2023-12-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc. (OK)

I received a escrow analysis for XXXX XXXX XXXX XXXXf this year. notifying me that my mortgage payment was going to increasing effective XXXX of XXXX  by about XXXX a month. I contacted the mortgage company and they said it was because of my homeowners insurance policy. They sent a bill for XXXX which is an increase from the previous year. I told them I was cancelling it and would sent them my new insurance information. Note, my insurance from the previous year was XXXX. I found a new company that decreased my yearly insurance premium to around XXXX so my payments should have went down a lot from the previous year. I submitted the new insurance information to my mortgage company in XX/XX/XXXX BEFORE the new mortgage amount kicked in XXXX. I got a new escrow analysis this week that is dated XXXX  surprisingly my payments only went down XXXX but my new insurance policy is approximately XXXX a month cheaper than the previous year. I have tried to call and discuss this over the phone with the agents and I've made no progress. I was told it's always based on the year BEFORE. But my bill for XXXX is XXXX less! Also, they paid out the XXXX to the other insurance company. I sent them my refund and confirmed it was posted so that is not the issue. I am asking that this issue be corrected. My payment should reflect the bill received for the insurance for XXXX not the cost of my old policy from XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (TX)

TD AUTO FINANCE please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the 3 bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

We went to XXXX XXXX XXXX and purchased a bed on a credit card that we already had. 

A few days later we received a store CC in the mail. When I checked my credit report, they made a hard inquiry and my score was down XXXX points. 

We NEVER authorized a store CC nor any inquiries into our credit history. 


Creating a CC that was never asked for sure seems like fraud.
Consumer complaint received 2022-11-15
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. (TX)

XXXX XXXX, account opened XX/XX/2017 and XXXX {$0.00}. This is a closed account but company is showing late payments and I have never been late on any payments.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

My original complaint # XXXX was responded to in writing on XX/XX/2023 indicating that the credit inquiry and account would be DELETED from my credit report at all three bureaus within 30 days. 

I pulled a copy of all 3 of my credit reports through XXXX and they still show the account and inquiry and the account simply shows CLOSED. That is NOT the resolution I was promised back in XXXX. 

Macy 's needs to make this right. They need to do what they promised and at this point they need to provide me some kind of compensation for not doing what they promised. 

This was an illegal pull of my consumer report and their employee not once, not twice, but THREE times assured me that they were reinstating an old account and that NO hard pull to my credit report would be made. I had a friend with me at the time who can testify to the same. I am outraged that a company the size of Macy 's has had 5 months now to get this rectified and has not done so.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (WA)

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract. 

I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXT XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

There was a fraudulent charge on my card for the amount of {$510.00} on XXXX XXXX. I called the bank and disputed it. Over two weeks later, they credited it back to me. Today on XX/XX/XXXX, the bank did a reversal of the amount.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

We received a hacked email from our contractor. It was his real email address asking to change the final payment instructions to be XXXX instead of check. We sent XXXX via td bank to the scammer. We realized this when our contractor called asking about the payment. The bank is rejecting our disputes.we have sent all paperwork already via the branch manager forwarding to the fraud department. This included the entire hacked email trail and police report.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (CA)

I have a loan with MERCEDEZ BENZ FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and MERCEDEZ BENZ FINANCIAL with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MI)

On Friday, XX/XX/2018 Allied Interstate called 6 times. This is in reference to a XXXX XXXX/XXXX XXXX credit card. 

I have personally reached out to XXXX several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!
Consumer complaint received 2018-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 I received a check from XXXX XXXX and XXXX XXXX for {$15000.00} I  took the check to my branch office of CHASE Bank located at XXXX XXXX XXXX, FL XXXX. Ph # ( XXXX ) XXXX I was informed by teller # 3 that a 1 day hold ( Friday XX/XX/2018 ) would be placed on the check funds but the funds would be available on Saturday XX/XX/2018. 
See attached copy of check deposit. 
On Saturday XX/XX/2018 I checked my Chase Bank account online to verify that my check funds were now available. My Chase Acct shows an available balance of {$15000.00} See attached screen shot. 
Seeing that my Chase Acct had the funds available I proceeded to electronically send out payments to various businesses 20 in all for various amounts. 
After this I went to my local Chase Bank branch identified previously. I was then notified at the branch ATM that my funds were not available for removal. Seeing this I then went inside the branch to have them check on the status of my ATM card. The teller notified me that my ATM card was not on HOLD and then she tried to remove my requested funds. This is when the teller was notified me that there seems to be something wrong with my Chase Account. I was handed off to a personal Chase Banker, XXXX XXXX who contacted Chase Fraud Prevention located in XXXX, XXXX XXXX where I talked to XXXX XXXX Operations Supervisor. 
XXXX XXXX stated to me that my entire account was no on a FREEZE for the next 5 to 7 Days. I asked XXXX XXXX to explain why my entire account was to be placed in a FREEZE Status? XXXX XXXX stated that since there was no phone number on the check so that she could verify the person who signed the check was aware of the check. 
I asked XXXX XXXX if Chase Fraud Prevention would make available {$200.00} to me in compliance with Federal Banking Regulations? XXXX XXXX said " NO ''. 
In my entire life of XXXX years I have never been contacted by any bank to verify that I signed a check issued. 
I contacted XXXX XXXX XXXX, the bank that the check was issued from and asked them about the check from XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX informed me that the check was honored and paid on Friday morning XX/XX/2018. 
This is an ongoing issue with my Chase acct currently on a FREEZE status. 
I want to file a Formal Complaint against Chase Bank a subsidiary of JP Morgan Chase and Company.
Consumer complaint received 2023-05-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (CA)

I received a loan from Veterans United to buy a condo. I held the condo for about two years and sold it. Veterans United serviced the loan for the duration of the mortgage. 

After the closing of the sale of condo and the payoff of the mortgage, there was money left in my account with Veterans United. XXXX  sent me two checks, one for {$1200.00} and one for {$21.00}. I misplaced the checks. When I found the checks and attempted to deposit them, they bounced. 

I called Veterans United three times between XXXX and XXXX of XXXX to request they reissue the checks. On the first two phone calls, the representatives said they had the checks reissued, but no checks ever came. On the third call, the representative said she could not help me. 

I sent several emails. Through email, the representative 's responses referenced other properties I had purchased through Veterans United. The representative would not respond concerning the property in question. 

I had purchased four properties with Veterans United and refinanced and sold several times. I think XXXX is unable to focus on the property in question, especially since two of the properties have similar addresses. I am also concerned that XXXX may not be able to distinguish between the property address that I sold and my current mailing address since they are similar. 

Regardless of the reasons, Veterans United owes me nearly {$1300.00} and has avoided paying it.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Since my father passed away in XXXX of 2023 I have been calling citizens bank trying to put a hold/freeze on his asscount so my step sister could stop accessing his card bc over {XXXX has been stolen. She was NOT on this bank accoount and did NOT have permission to use his card. Before he passed she stole it and it went missing. I have phone records, emails and fax conformations all showing how many times I have been trying to talk to people at citizens along with a detective from the local police department who is trying to access with videos and get told they are " backlogged '' or don't have access to the videos anymore even though like I said I have been trying to get them to look at these videos since XXXX. They are trying to deny my claims and unwilling to pay me the money back. Even though it'd their fault because if they would've shut it off when I told them to all that money wouldn't have stolen... or at least not XXXX As the executer and blood child I became executer and am now in debt XXXX grand because that money is missing and I was unable to take care of Of all his affairs because of that. If she wasn't one the account I don't understand how it's " ok '' to steal someone else 's card and use it. However she found the pin number is confusing, but considering my dad told me he slept with his wallet under his Pillow and car keys, I'm not surprised. Please help me. Citizens needs to be held accountable or I will pursue action against them.