davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (FL)

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no answer was ever received. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

XXXX made unauthorized charges for XXXX XXXX to my name in XX/XX/2021, when I called to multiple times and finally getting through to customer services to have this resolved. I was told to either pay the bill or wait for it to go to collections and ruin your credit.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (OH)

AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1400.00}. The collection has been reported as a past due balance. I don't know this company or have ever done business with this company. This company does not have any contract with my signature on it.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

A debt collections company called Aldous & Associates, P.L.L.C. is attempting to collect a debt from my minor child, XXXX XXXX. Contact attempts are included in the attachments of this complaint. 

According to XXXX, he visited XXXX, a local fitness facility located in XXXX, Texas, in XX/XX/2022 and asked for a 5-day trial period pass. The XXXX representative took his driver 's license and debit card. He believed he had a 5 pass and visited the facility less than a handful of times in XX/XX/2022. 

Based on my research, it appears that the XXXX representative took his information and entered a minor child into a contract without his knowledge and without a parent or guardian present. The signature on the contract provided by the XXXX is not XXXX signature which leads me to believe that the XXXX representative also forged the documentation. A copy of this contract is included in the attached documents. 

The XXXX sent him to collections. The Collections Agency ( Aldous & Associates ) will not speak to me to help resolve. 

I have also tried to work through this issue directly with XXXX but can not get XXXX to respond to emails or talk to me in person. Example included in attached documents. 

A fair resolution would be to cancel the debt that has been accrued on the account and cancel the fitness facility membership.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (WA)

Chase Auto Finance has inaccurately placed my auto loan in a charge off state in XXXX of XXXX. XXXX ( XXXX party auto dealer ) paid the remaining balance of my auto loan in XX/XX/2021, XXXX month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of XXXX  to payout the vehicle but according to Chase, they never received it. Chase intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to Chase stalling for XXXX weeks ) and also because of the disablement of my online Chase XXXX account due to the buying process. 

Ive asked for the XXXX remarks to be removed and provided documentation proving why case - Chase agreed but never followed through with the removal. 

Ive recently learned that XXXX and Chase are now affiliated with XXXX another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Dear CFPB, I would like to file a formal complaint against Chase for my XXXX Credit Card. I recently gave a credit balance of over $ XXXX, and have repeatedly requested Chase to confirm and transfer my credit balance to my Chase checking account. They keep on providing the same response to wait for up to 10 days. Which is in violation of CFPB 1026.11 for requests to be completed within 7 business days. I contacted them many times via calling their call center on XX/XX/21 officially requesting the refund of the credit balance and also via email many times. 

They are illegally keeping my money for longer that they are entitled and in direct violation of your ordinance.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX I spoke to XXXX XXXX  and they informed me of information being reported by XXXX AND EQUIFAX that there was another social security number reporting from them. Ive been involved in identity theft for a while and XXXX and EQUIFAX have both reported other social security numbers as well as addresses that were inaccurate.

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to XXXX on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Inaccurate reporting, wrong name and wrong social security reported, balance due for one and more account is inaccurate. I have tried to resolve this matter several times over the last several months but there have been no changes even when providing proof submitted and the company complies as well.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've been with # capitalone for years but on XX/XX/XXXX I paid {$300.00} to my account and it NEVER went through on their side. It came out from my bank and was NOT returned. 

Over all this time I have sent in the proof that was requested no less than 5 times while speaking to Representatives that confirmed that yes I was right and I was not credited my {$300.00} to the cc multiple times as well. For some reason there was still an investigation where they credited me a TEMPORARY {$300.00} that they then took back claiming that they need FURTHER proof of the very thing that I have given them so many times already just in a different form. 

When they took that {$300.00} it put my credit over the limit and some bills I had on auto pay was return where they also charged me overage. I am in another freaking country and unable to call them at the moment while charges continue to build because I'm not paying them anymore of my money until they fix this. I sent in the additional request just before I left at the beginning of XXXX of this year XXXX! and they are not doing anything until I call them I'm sure.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (DE)

I returned 3 phone and canceled service with XXXX on XX/XX/XXXX in person at the retail store XXXX XXXX where I purchased from with the 14 return window I have proof of return and deactivation receipts. XXXX has claimed to not have received phones in there warehouse. I called to let XXXX  know a few times already that I have return phones and they would tell me they would open a case and look into the issue and that maybe the phones where in the mail still being shipped back. Now XXXX has sent debt to a company called GC services. I spoke with them on XX/XX/XXXX and told them the same info and I sent them the receipts by email to prove phones were returned on XX/XX/XXXX. They said they would contact me once they heard back from XXXX. On XX/XX/XXXX I received alert of derogatory remarks on credit report from GC Service. I contact GC Service on XX/XX/XXXX and was first told that XXXX denied my dispute on XX/XX/XXXX I believe and I told the rep I spoke with someone on XX/XX/XXXX to start the dispute so it could not have been denied before that date. She then told me she found a second dispute open with XXXX and they were waiting to hear back from XXXX. I asked for a file number or case number and she said she did not have one to give. I then asked if they problem is still being investigated why have they report me to credit bureau. She said it was not a derogatory complaint. it was just letting the them now a case was open. But I told her it is saying derogatory. I asked her a debt verification for what they are sending in to credit bureau that I owe and she said she didn't have that but could send an itemized bill. I requested that and she said if she sent an itemized bill it would cancel my dispute with XXXX. I then call spring on XX/XX/XXXX and was told there was no dispute open with them. The rep began to open a case to try and locate phones but again would not allow me to send in the proof of return and deactivation receipt.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I was working a loan modification within Wells Fargo. I was told not to do anything until the process was complete. In listening to them I'm now 2 months behind due to poor communication. They refuse to help with a payment plan. They forced me into Loan Review and never came up with a solution. Then tried to force a short sale and refuse to help me get caught up.
Consumer complaint received 2020-03-03
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: Waypoint Resource Group, LLC (TX)

I am XXXX customer. I have been for the past 5 years. While I was checking my credit report, there was a negative report about a XXXX bill in collections. I called XXXX and they say they can't find the record. From what they see, I am in good standing. So, much so, I have a new account with them. The collection agency says this is from XXXX. The amount is {$1000.00} This same thing happened a few years back. It was removed, because it was not mine. Now, it is showing up again. My credit score is XXXX, but i am getting turned down for electricity service. The reason is the electricity companies are running a soft credit check and they are seeing a utility collection account. 

The collection agency is Waypoint Resources Group XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

DUE TO BEING A VICTIM OF INDENTITY THEFT, BECAUSE OF** EQUIFAX DATA BREACH ( CCRA ) **. I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THIS BREACH. //// MAKING POLICE REPORTS//// HAVING TO FREEZE MY ACCOUNTS.//// MY MAILBOX HAS BEEN BROKEN INTO, CHECKS HAVE BEEN STOLEN AND CASHED. {$10000.00} MONEY ORDERS TOO AND ON OR AROUND XX/XX/2020, SOMEONE USED MY IDENTITY BECAUSE OF THIS BREACH, TO PURCHASE XXXX XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX IN THE AMOUNT OF {$8700.00} I HAVE SPENT HUNDREDS OF DOLLARS, TRYING TO CORRECT THIS MATTER IN GAS/ MILEAGE/COPYS/ FAXES/ POST OFFICE MAILING I ASK OF YOU IN YOUR CAPACITY, TO HELP ME ALLOCATE MY EXISTING PROBLEMS AND DILEMMA OF FURTHER LIABILITY,
Consumer complaint received 2020-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (GA)

My mortgage switched from my original lender/servicer to a new servicer - Mid America Mortgage - on XX/XX/XXXX. 

I had made my XXXX mortgage payment on XX/XX/XXXX to my original lender, but they transferred that payment along with the loan to the new servicer. That payment was lost in the shuffle and Mid America didnt find/apply the payment to my account until XX/XX/XXXX. My account with Mid America wasnt active until XX/XX/XXXX and, despite several attempts to pay online and over the phone, they were not able to process any payment attempts until it was active in their system. On XX/XX/XXXX, I paid the XX/XX/XXXX and XX/XX/XXXX payments at once. Because of this, neither of those payments were applied in XXXX and I am not getting any credit for the XXXX, and XXXX payments on my XXXX taxes. 

Additionally, my property taxes were due on XX/XX/XXXX, in the amount of {$2400.00}. It also was lost on the shuffle and it took my calling Mid America several times to get them to pay the amount from my escrow account. Again, this payment was not applied to my XXXX taxes. More importantly, the escrow amount they were claiming they received was not accurate. They said they would looking into the issue and call/email me to confirm the correct amount. I never received a call. 

The other issue is that the customer service reps at Mid America do not seem to have training and I only seem to get anything accomplished when I connect the customer service representatives from my previous lender with the new service reps at Mid America. And to get in touch with Mid America I consistently have to wait on hold for 1-2 hours before speaking with anyone. Only to be disregarded, told its another department ( which Im not allowed to speak to directly ) and promised a follow-up call from them, which I never receive. Im so sick of dealing with their ineptitude, sitting on hold, and not getting help. And I have zero control over who services my loan. This is a such a frustrating company to communicate and work with. And they have dropped the ball so many times. This is my first mortgage on my first home and the bottom line is I cant trust them to provide quality service or keep accurate records of my payments, escrow amount, or even to make payments on my property taxes on time. Someone needs to kick them into high gear. Its also worth noting that they openly admit that Im not the only customer experiencing these mistakes and my previous lender is getting quite a few complaints from borrows whol theyve transferred to Mid America. I need your help! We all do!
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX II. ) XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, XXXX XXXX
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I recently opened a checking and savings account with Chase bank with over {$18000.00} in checking and {$15000.00} in savings. I am traveling for work and tried to pull out funds to have access to cash. 

There was a {$500.00} limit. After calling customer support and escalating with Chase for over a hour on the phone they would not increase my limit to requested {$2500.00} per day or even {$1000.00}. Their reason is my card is too new even though the amount I requested was a fraction of the funds they have access to. The problem was declared unresolved and they refuse to increase the amount of access I have to my funds. This should 100 % be illegal as they are keeping me from accessing my money while they use it to generate wealth for themselves.
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation (TN)

XXXX Cfbp ID number. World Finance Corporation, states discrepancy with my FTC Affidavit & Police Report. World Finance Corporation, per the Fcra 15 1681 rule, Identity Theft. Please provide to me a copy of the original loan dated and signed fraudulently with my name, address, state identification used in opening two accounts that World Finance Corporation has been reporting on all 3 credit bureau 's since 2019. In 2019, I noticed these fraudulent accounts being reported to the credit bureau 's. The information on each the FTC & Police Report- is the same in stating 2019 as begin date. Please explain the method World Finance Corporation used in determining a discrepancy in information accordingly with the CFR 12 1022.3 & FCRA 15 - 1681 Identity Theft. Please provide this information ASAP. Thus, all communication regarding this matter, will be handled with the CFBP Website. I will not communicate with this company outside of this platform unless matters should need to be resolved our attorney 's.
Consumer complaint received 2022-12-25
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. (TN)

I have been a victim of ID theft. I submitted the police report to the credit bureau along with the accounts that I believe was a result of the theft. Transunion is still reporting the erroneous accounts on my report and disregarding the letter that I sent to them.