davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of  the fcra these are unauthorized and should be removed immediately
Consumer complaint received 2019-07-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Please cross-reference with complaint XXXX-XXXX. They wrongly closed out my complaint. I bought up the rate on my mortgage, meaning that while Region 's paid most of my closing costs, I have to pay a mortgage rate of 4.3875 rather than a par rate of somewhere around 3.875, meaning that I will pay thousands of dollars more over the course of my loan. Region 's significantly changed the fees disclosed to me in the Loan Estimate presented to me. Region 's sent my complaint to their Compliance department but their Compliance department only reviewed it with technical regulations in mind and that because Region 's paid the closing costs, they stated that they were fine in changing / increasing the fees I was disclosed. In their eyes, I therefore lost all my consumer protections because I bought up the rate. If / when Region 's sells this loan off, they will make thousands of dollars off of the increased rate for someone with an XXXX credit score. I feel this is extremely unfair, deceptive and abusive. I passed this up to the very highest levels of management, speaking to XXXX XXXX, Regional Mortgage Manager. He touted his resume, told me that this store had a 100 % customer satisfaction rate, asked what I wanted ( to which I responded I just wanted to pay what I was originally disclosed ), told me he would research my issue further and get back to me ; it was two weeks and multiple calls from me to the call center before I spoke to XXXX XXXX again - at which time he had four additional people on the phone and told me he was bringing closure to this issue and that Regions would not do anything further. I feel that due to the flippant nature in which my complaint was handled, the lack of proper governance and controls, the lack of an effective compliance management system and the willful negligence and unethical behavior exhibited by Region 's, the CFPB should conduct a further investigation as to the manner in which other customers who bought up their rate were treated and to see if the amounts they were originally disclosed also increased as mine did. This could bring about a rather large enforcement action against Region 's. Additionally, the co-borrower on this loan is an XXXX XXXX Servicemember / XXXX and is about to leave for a deployment overseas.
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MO)

I'mpresentlywithRegionBankXXXXXXXXXXXXXXXXXXXXMoXXXX.MyaccountisXXXXrouting#XXXXsocialXXXXI'vebeengettingchargedraftchargesat{$36.00}.peritemplus{$25.00}toreturn.Thisoccurtwotimeperweeksthenitsreoccurthefollowingweeks,checkshasbeengettingranthroughmyaccounts3to5times.Thatcreateanhardshipforme.Pendingdepositbeinmyaccountsaidwillchargefeesreturningcheckswhilefundwillavailable.AnagentofsaidquotaRegionmakemoneyoffoffeesThisisanreprehensiblepractice
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

I had a charge-off with american express for approximately {$16000.00}. I settled this debt and agreed to pay {$4000.00} to settle it in full. I proceeded to make the payment. American Express has now only credited my account {$4000.00} and has not reported it as settled with the credit bureau. They are now reporting that i still owe {$12000.00}!!!! 

I have uploaded the settlement agreement that was faxed to me along with their receipt of payment. It took them a couple days of send me the confirmation of payment received. My payment was processed on the day the settlement paper agreed to.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA credit card payment department deduct my payment twice without my authorization, and they reluctant to credit back the extra amount ( {$460.00} ) back to my credit card account. Instead they insist they only do check or to my BBVA checking account if I had one. But I have my family member also being taken payment twice from BBVA without authorization, and BBVA credit back that amount to his BBVA credit card account. 
BBVA credit card department took money from my bank account without my authorization and they did not explain what went wrong in their system.
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (PA)

I sent Equifax a police report in XXXX about my identity theft XXXX agency was advised and notified XXXX acct XXXX Charging XXXX XX/XX/16 ... I contacted cfpb about it already they told cfpb that they will remove it but didnt I need it removed
Consumer complaint received 2019-06-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

Hello, I have recently graduated earning my XXXX XXXX XXXX this XXXX and I am in the process of applying and searching for employment. I have outstanding student loan debt for which I've qualified for Income Deferred Repayment for 12 months through my Federal loans. I am also attempting to reduce my payments through my private loans but my experience through the Navient Private loan sector and collections department has been overwhelmingly rude and intolerant to my present hardships. It appears that they want me to show a default on loans or payments before any true consideration can be met with a compliance to reduce payments to a comfortable amount or an inability to make certain monthly loan payment amounts ( amounts to which, I, apparently can have no say in ). 

I have spoken with several managers, one of whom 's name is XXXX or XXXX, mentioned he sees no hardship and that our credit scores are good and no late payments have been made. 

Please note : I have future plans which require I keep my payments and amounts current but it appears you need me to miss several payments on my loans in order to qualify for your hardship consideration. I know what I can afford and I feel I am not receiving any assistance nor understanding from any member in this department. As we know, so often these factors of good standing are often taken into consideration when seeking new employment and thus your infringements further complicate any attempt to move forward. 

Thus I will continue to complain and seek every avenue to dispute your response in handling the hardship and circumstances of my situation and levels of distress regarding these loans. 

A fair resolution would be a logical one, allowing the student or borrower a say in determining an affordable loan repayment, particularly when the student / borrower is actively seeking to repay the loan but has not been employed and is using funds specifically allocated towards private loans. This is a responsible student that knows her budget and should have a say in what she can presently afford, according to her present condition and circumstances. 

XXXX XXXX.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Hello, this is a follow-up to the response that Chase sent to me. I was not available to respond to the response to my previous complaint, so I'm doing it here. In short, the representative from Chase who responded to my last complaint here did not understand the issue or misconstrued it. The misleading marketing information was not from a third-party reporting on their interpretation of Chase 's product offering. This was Chase bank 's marketing material that was captured visually from Chase 's website. It was captured and discussed on a blog and the time-frame of Chase 's advertisement/marketing material is similar enough to when I applied for my Saphirre preferred that this advertisement/marketing material is misleading. 

The snapshot of Chase 's marketing content is attached. 

Thank you for your consideration and time -- XXXX
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have express my concerns to the different credit bureau agencies that my name is reporting incorrect. I have asked them to delete this information. I have submitted proof of this matter. The credit bureaus agencies are violating the FCRA by adding inaccurate and false information o n my report, that has led to denied loans, and a bad history. these issue has prevent me to better opportunities.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (CT)

I received a notification from Second Round LLC in XX/XX/XXXX stating that an alleged account in my name had been turned over to Second Round LLC as of XX/XX/XXXX. 

I never received notification from Second Round LLC or XXXX prior to initiating a dispute with them. Second Round LLC was put on my credit reports with all 3 credit bureaus prior to me having the chance to dispute it due to not receiving prior notification. 

When I did receive another letter it was a stall letter asking me to provide information that they should have if the supposed debt is really mine. 

I sent a letter to Second Round LLC on XX/XX/XXXX requesting that they provide me with the following information : COMPLETE PAYMENT HISTORY, THE REQUIREMENT OF WHICH HAS BEEN ESTABLISHED VIA XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. XXXX XXXX AND AGREEMENT THAT BEARS THE SIGNATURE OF THE ALLEGED DEBTOR WHEREIN SHE AGREED TO PAY THE ORIGINAL CREDITOR. 

LETTER OF SALE OR ASSIGNMENT FROM THE ORIGINAL CREDITOR TO YOUR COMPANY. ( AGREEMENT WITH YOUR CLIENT THAT GRANTS YOU THE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. ) INTIMATE KNOWLEDGE OF THE CREATION OF THE DEBT BY YOU, THE COLLECTION AGENCY. 

They have not provided me with anything but a couple of statements from the original creditor. 

That is not what I requested. I have attached a copy of the letter I sent for your reference.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (TX)

Repetitious calls from a third party company XXXX XXXX XXXX XXXX by very rude customer service agents after I have repeatedly asked them not to call me about the second party company XXXX XXXX XXXX XXXX XXXX XXXX intention to collect a debt for the first party company XXXX XXXX XXXX XXXX. I don't keep records of the phone calls ( 2 to 3 Times a week ). The unresolved debt is XXXX to XXXX XXXX XXXX. I have called XXXX XXXX XXXX on several occasions to speak with an company official regarding handling this but only to be connected with a outsourced communications company handling their phone calls in some third world country and was unable to resolve any issues. I have tried to communicate with XXXX XXXX on 2 different occasions to discuss the matter but was connected with a very rude CSR demanding payment immediately and that I was to provide her with all my personal information.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am filing a complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc. (MN)

I have two credit accounts with Comenity Bank. One is for XXXX XXXX, the other for XXXX. This bank handles the payments for these two among other stores. I scheduled payments, XXXX and XXXX insured there was sufficient funds to pay each account. Upon reviewing the checking account that is utlized to make payments, I saw Comenity Bank took the scheduled payments, and then levied an additional unauthorized payments from my checking account for both creditors. I have had to make stop payments in order for Comenity Bank to not get additional unauthorized payments.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TN)

I cancelled my account with XXXX XXXX XXXX and I pod everything I was told by the XXXX XXXX XXXX reps. ( I have this in writing ) The {$460.00} should have been removed. XXXX XXXX XXXX never send a final bill, I dealt with this issue with XXXX XXXX XXXX for months, this needs to be removed, I paid the part I was told I that I owed by the rep. I have never paid late or missed a payment with XXXX XXXX XXXX.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NV)

On XX/XX/XXXX we purchased furniture from XXXX XXXX in XXXX, Nv on a credit card interest free contract with TD Bank Retail Card Services. When i received the bill I noticed charges were more than the sale price. XXXX refused to do anything about it. So, rather than fight with them I took the balance due, divided by the months that I had to pay off before interest would be accrued less one month to insure it would be paid off by due date. That came to {$75.00} a month as of statement balance on XXXX of {$1500.00}. Due date to pay off before interest accrued is XX/XX/XXXX. I set up auto payments with my bank to pay on second wednesday of every month to insure that payment would be received before the XXXX due date on statement. I received a letter from TD retail card services informing me that I owed XXXX more on my next payment plus {$83.00} minimum payment. I called them and they said because my payment was XXXX short of the {$83.00} required each month they charged me XXXX fee. The rep did say that it wasn't a late fee because they did receive my payment on time. The fee was because my payment was short by {$8.00}. They charged me this fee for two months. The rep was very rude and would not reverse the charges and she then said that they required XXXX a month. By requiring this amount of payment they are actually shortening my contract by three months!! Statement balance without fees as of This is fraud at its best. Instead of my contract having a due date of XX/XX/XXXX they are collecting to pay off contract by XX/XX/XXXX. This is a breach of contract!!! How can they be allowed to do such illegal practices? Because you are a government entitiy, I hope you will look into this matter. This is illegally changing a contract to their likings and advantage. This is criminal.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Purchased home : XX/XX/XXXX - I am a 100 %  XXXX veteran. I separated from the military XX/XX/XXXX. I requested a refinance, special forbearance and any other program that would save my home with Bank of America during that time. I had a VA home loan and at no time did Bank of America ever try to work with my VA rep to find a solution to my refi request. Bank of America fraudulently delayed my application to modify the terms of my mortgage in order to steal my home and sell it at a profit. I had at least 20 delays, over 5 new reps responsible for my case ( each time it took weeks to get in contact with them and weeks for them to review my case before they would work with me ). The reps would request fax, emails, and mail of the same documents that had been confirmed received by Bank of America over 20 times. 

- Bank of America never properly hired, trained or equipped their workforce to genuinely address homeowners like me. They deliberately obfuscated, misled and otherwise deceived me in this process only to at the end deny my request. The only reason I was able to save my home was because I went out on my own and applied for the California keep your home program. I was awarded the money through that program. Bank of America received a check for the entire 15+ plus months I was behind in my payments, bringing me current. I had no history of any delinquency in my mortgage loan or other debt when I first reported to Bank of America I needed to refi and apply for any program that would save my home. 

- It was stated to Bank of America I was a XXXX veteran ( 100 % ) and I was awaiting my XXXX compensation from the Department of Veteran Affairs many times over. Having these 15+ plus late payments on my three credit reports have prevented me from applying for much needed loans. This has impacted my quality of life and my health. I have had a few law firms contact me as it relates to a class action lawsuit because of this refi issue I had with Bank of America. I do not want to take that road. I just want my three credit reports corrected so I am able to move on with my life. 

- I am 100 %  XXXX veteran and the Department of Veteran Affairs as well as myself trusted Bank of America to not only service my loan but to do what was fair to me as a veteran. That did not happen. The below desired resolution will right Bank of Americas wrong.
Consumer complaint received 2019-06-27
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: EQUIFAX, INC. (CA)

XXXX  and Equifax report XXXX XXXX loan opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.
Consumer complaint received 2019-06-27
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. (AL)

I submitted a dispute with XXXX  XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, Transunion, XXXX. To date this information still remain ....
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Transunion, XXXX and XXXX about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.
Consumer complaint received 2019-06-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (WI)

I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF NATIONAL CREDIT ADJUSTERS OF ALLEGED ACCOUNT.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX - Auto accident and vehicle impounded XX/XX/XXXX -  Impound lot notified XXXX of an abandon vehicle XX/XX/XXXX - lien established and a savaged title was ordered by either the county or XXXX. 
XX/XX/XXXX - Approximately XX/XX/XXXX vehicle was sold XXXX failed to retrieve a {$22000.00} vehicle with a {$3000.00} damage from the impound lot while the price to pick up the vehicle was less than {$600.00}. 

XX/XX/XXXX - The auto insurance was notified and the insurance company decided to take responsibility, but wanted to inspect the vehicle whether they needed to cover collision or just repair. Upon inspecting the vehicle, {$3000.00} damage was uncovered, which they agreed to pay, but because the vehicle was no longer in my possession, the Insurance company wants to pay {$2000.00} less the deductible. All in all, they want me to be on the loosing end. 
Damages to me : approximately {$3000.00} which covered down payment and insurance coverage, {$21000.00} plus on my credit report while I'm left without transportation.