davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

Twice the charge of {$20.00} has been charged to the account as a returned automated account fee. 
There has been a dispute that the account had never been set up for an automated account. The option online was not even enabled. The account was NEVER set up as an online automatic payment. A challenge was made to inquire if the account was hacked. 
Also, on today 's phone call, it took 7 representatives to get with someone from what is to be Escalated Complaints. 
Regardless of a warm transfer or cold, the account was re verified. 
They also stated that a Power Of Attorney was needed in order to speak with someone over the phone. This was refuted. They verified the account 7 times to allow authorization to a third party. Any other person without knowledge, would have just taken their word that a Power Of Attorney is needed. 
The Customer Service counter at XXXX   on XXXX was completely closed and refused to take any payments. 
Please request all records. Please request all transaction history and customer calls. A called was made when the account was first open to attempt to make payments on line. This was not made. Physically, the payment had to be made in the store. 
It is my belief that XXXX  charges incorrect illegal fees. I request that a full investigation is made on their practices and fees in order to determine how many people have been charged returned fees for incorrect banking information. The option to make a Payment online is not always enabled. It is enabled and disabled at their discretion. It will not even reflect as an option. 
It is my belief that XXXX misrepresents the payment options available. Please keep in mind, this account was never delinquent. This account had the balance paid in full. There was never any interest charged. The only fee they have been able to collect is this, not once but twice. 
The last representative stated that the Payment option is " disabled '' aka completely disappears from the website when there is an issue with the payment. This also means that anyone who is under the belief that they are set up on automatic payments would go into default. No Notice is sent as to the situation. 
There was no XXXX Statement.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXX, I phoned Chase Credit Card Claims to notify the Bank of a potential dispute involving charges assessed during that month and the previous one by a landlord that charges " accelerated rent '' and had been endeavoring throughout my three-and-half years as a tenant -- as such landlords are wont to do -- to manufacture a pretext for either evicting me or forcing to vacate prematurely in order to maximize the illicit profits to be derived from Clause # 27 of the Lease Agreement that allows the landlord to collect the full rent due under the remainder of the original lease term if a tenant breaks the lease without the landlord 's permission for any reason, without any obligation to re-let the apartment after the tenant vacates. I was told by the Bank at the time that the credit card payments I had made could be disputed to reflect funds owed to me by the landlord and the Bank had me " covered '' in the likely event that I was not able to come to terms with the landlord. Nonetheless, when I followed up with the Bank the following month to formalize my disputes upon being forced to vacate on XX/XX/XXXX after the landlord falsely alleged on XX/XX/XXXX that I was a holdover tenant without assessing the double-the-rent penalty provided for under Clause # 12 of the Lease Agreement in the event of holdover tenancy and demanded that I vacate my apartment within ten days ( my initial lease term had expired at the end of the previous year, at which point I became a month-to-month tenant while addressing fallout from the sudden demise of my mother on XX/XX/XXXX from XXXX XXXX ), I wound up ultimately being informed by the Bank on XX/XX/XXXX that the charges were valid, despite a 70 page fax sent to the bank on XX/XX/XXXX containing details regarding both the funds owed to me by the landlord and the relentless efforts of the landlord to extort me into paying a fraudulent debt through willful negligence and systematic abuse. Furthermore, the new ( as of XX/XX/XXXX ) Georgia Code 44-7-24 allows landlords who engage in retaliatory conduct to be penalized as much as {$500.00} and one month 's rent ( or {$580.00}, in my case ) for each separate incident of retaliation in response to tenants reporting a landlord 's negligence to local or federal authorities, which is what my landlord did with me when I reported a toxic mold infestation caused by water damage in my apartment to Municipal Code Compliance on XX/XX/XXXX and also on XX/XX/XXXX.
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (ME)

Received phone call yesterday in regards to this. Loan was allegedly taken out in 2013, I was not residing at address mentioned in 2013. Also, I have never heard of a company reporting to a credit bureau after stating account would not be placed with credit bureaus. Second, this account if legit, is beyond the statue of limitations for the state of MaineXXXX
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (HI)

On XX/XX/2020 my wife and I purchased 2 airline tickets from XXXX XXXX on our CITI bank/XXXX XXXX credit card. XXXX XXXX changed the reservation and cancelled the leg of the route that gets us from the island of Hawaii to the mainland. We contacted XXXX XXXX and they agreed to refund the purchase price of the ticket in 7-10 days ( XX/XX/2020 ). We have contacted XXXX XXXX about the refund 2 additional times. Their response is that it is in process and that they can not provide the services that I purchased due to the flights from XXXX Hawaii being cancelled. The credit card company is saying that I have to wait 30 days to give XXXX XXXX to credit my card before I can dispute the charge. In my credit card agreement I can dispute a charge if I purchase an item and the company does not provide services. It does not say anything about a waiting period. Citi Bank is charging me interest on the purchase and not allowing me to dispute the charge for 30 days in violation of my credit card agreement.
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (NV)

XXXX XXXX ftc violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and Loans Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are four affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins
Consumer complaint received 2019-10-29
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-04-24
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. (NV)

ally bank ftc violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX TAGS : Automobiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and Loans Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are XXXX affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing Advertising and Marketing Basics Online Advertising and Marketing Credit and Finance Credit and Loans  Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are four affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im writing because I was scam on my 2 debit card from XXXX XXXX   and Bank of America. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with XXXX XXXX  and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks
Consumer complaint received 2020-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.
Consumer complaint received 2020-04-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My identity was stolen and someone opened a checking account at Bank of America Bank of America XXXX # XXXX Acct # XXXX I disputed this with Bank of America and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information Bank of America was deemed accurate. This is on my credit report as well as Early warnings report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am having an issue with both XXXX XXXX XXXX XXXX and Transunion. I had an auto loan with XXXX XXXX back in XXXX. I filed for XXXX XXXX  Bankruptcy XX/XX/XXXX which was discharged XX/XX/XXXX. There are two items reporting incorrectly in regards to this account on my Transunion credit file. 

1. They have the date of the last payment I made on the account listed as XX/XX/XXXX. That is very clearly incorrect as the last payment I made on the account was well before I filed for the BK and did not make any payments during the BK proceedings. The auto was later repossessed following the end of the BK. 

2. They have the account closed date listed as XX/XX/XXXX. There is no way possible that XXXX XXXX left the auto account open for five years after the BK was discharged. This very item is interfering with my ability to obtain credit. I was recently declined credit cards twice indicating there was the presence of an account recently in bankruptcy which is caused by the account closed date of XX/XX/XXXX. 

I have on multiple occasions disputed this item with both the credit bureau and XXXX XXXX and they both refuse to fix the error on the credit report. The most recent dispute is dated XX/XX/XXXX and the investigation was completed on XX/XX/XXXX but the errors still to this date have not been corrected. 

I have attached a copy of the most recent investigation results.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am a victim of identity theft, however I went through everything far as paying to have my credit repaired.. starting over and credit freeze and whoever stole my identity is still using it .. Ive dispute so many items on my report that I had no knowledge of it was a shame. Inquires I cant get anything in my name! I cant get a bank account XXXX car loan home loan XXXX an even a background screening without being turn down. TransUnion suppose to handle the situation and havent. What do I suppose to do?
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

Please get her some help with this. She really did attempt to get help from Coinbase. This all started with an offer from XXXXXXXX    to get a special deal. She has not been able to get any help from Coinbase even though they assigned case numbers several times. I fear that she has lose {$50000.00} or so in XXXX  and maybe even more from her checking account at XXXX XXXX which is tied to her XXXX account. Additionally, after exiting from her CoinBase account it showed only a {$3.00} balance. 

XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and needed one on one help with my {$50000.00} +/- Coinbase Cryptocurrency account and tried several times on the Coinbase Account site but could not find any one on one help. Then I went to XXXX and put in CoinBase Support and a site popped up and the phone number was XXXX. XXXX was able to do all the things I needed but toward the end of the session, to put everything back correctly on my Coinbase account they needed to make a {$5000.00} dummy transaction deposit from my bank to Coinbase, which would be refunded back to me in 5 days. At this point I got very skittish. He had been remotely in my Coinbase account and was connected to my bank by my coinbase account. I told him I couldn't do the {$5000.00}, why couldn't I do less. He said I had a Premium Account and {$5000.00} was the least I could use for the dummy deposit. I told him I'd have to think about it and would call him back tomorrow. He said no problem, but when he logged off, I realized my Coinbase account only had {$3.00} and some cents left in my coinbase wallet!! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN (TN)

I took out a loan with United Credit in 2017. I failed to pay after I lost my job. I was taken to court and agreed to pay {$120.00} because I was told that was the lowest I could pay a month. I called the lawyer that represents them to see how much of a balance I had left. My balance was more than when I started paying. they are charging me an interest rate of 34.5 %. I also received a letter in the mail stating that any property I buy had a lien on it already and I don't own anything.
Consumer complaint received 2019-11-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc (TX)

I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

On XX/XX/20 and XX/XX/20 I spoke with a Penny Mac representative about refinancing my existing mortgage, which Penny Mac currently holds. They knew that I am a current Penny Mac customer. This representative plainly and repeatedly assured me that Penny Mac would meet or beat any other offer and, specifically, the offer I currently had from my credit union. I was trying to compare offers to make an informed decision about my most important asset - my home. 

Instead, Penny Mac used a " bait and switch '' tactic. I made sure their representative understood that the reason I agreed to complete an electronic application with her and with a credit card payment of {$440.00} was because I expected that I had nothing to lose even if my credit union 's offer came in better the next day - even if it was better, Penny Mac would meet or beat it.

( I was anxious about this because the verbal rate quote of 3.1 % from my credit union was lower than the verbal quote from Penny Mac. ) The credit union provided me with loan specifics at the original rate of 3.1 % on the afternoon of XX/XX/20, which I emailed at that same time to Penny Mac 's representative for comparison. I followed up this morning, XX/XX/20 with an email and then a phone call. 

The representative said she would talk with her manager,  but came back and said they couldn't beat the credit union 's offer. I asked to speak to the manager ( XXXX XXXX ) ; I  asked the manager to listen to the telephone recordings of conversations between me and his representative to verify my objection to this sudden inability to follow through on the offer that enticed me to sign their application and allow my credit card to be charged. He said they couldn't beat the offer, that they only promised to try and that my expectation was unreasonable because their mortgage company wouldn't make enough money off of my loan. 

I sent three emails this morning ( XX/XX/20 ) directing anyone and everyone who contacted me about this refinance matter to STOP this process for going any further. I also placed a dispute with VISA to get my money back, but I would prefer that Penny Mac reverse the credit charge of {$440.00} without further delay. And I want them not to do this to anyone else.