davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Early last year, I got behind on the personal loan I had with Regions. I have made multiple payment over the past few months to get caught up. I spoke with one of their reps who told I me that I owed {$340.00} when my account stated I owed {$100.00}. When I stated that the amount owed was wrong, the rep explained that the difference was from late charges and that they show on the statement. I told the rep that I have never saw these late fees before and that none of the previous reps that called when I was late never stated that amount, just the what was owed on the loan. Also I stated that I never received any statements and that I only used and opted in for online access only. I asked for the rep to send me the paper statement so I could see the charges. I was charged {$35.00} late fee even in months I made payments. I now have three times as much in late fees than what is owed on the loan. I spoke with a customer service supervisor about the situation who stated that they could only remove one of the {$35.00} fees. I understand a late fee but owing three times as much in late fees is ridiculous and unreasonable on top of being charged interest.
Consumer complaint received 2018-01-13
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. (IN)

On or around XX/XX/XXXX I noticed that I had some inquiries on my Transunion credit report that I did not approve. The following day XX/XX/XXXX I sent a letter to Transunion explaining how I did not authorize these inquiries listed on my credit and I wanted them removed. Transunion replied by sending me a standard letter explaining why inquiries are on my credit and none of it dealt with unauthorized use. I then contacted them several more times over the course of a year ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) about the unauthorized inquiries to no avail.
Consumer complaint received 2018-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX XXXX, XXXX Six months after the loan was closed, Wells sold the loan as a pool to XXXX XXXX. The selling of loans is a common practice with lenders.XXXX then securitized the pool and sold it in small pieces to various investors. As a result of this action, I do not have a lender for my loan with whom I can discuss hardship issue. Wells continues to be the servicer on the loan and the Master Servicer as well. XXXX XXXX XXXX XXXX XXXX is the trustee over the pooled loan. My loan is in tranche XXXX XXXX. I am looking to find it there is any recourse that I have with Wells for selling my loan, XXXX for being the last named owner prior to creating the tranche. I am finding it difficult to pay my mortgage and would like to get a loan modification. Is there any assistance that the CFPB can offer to assist me and other borrows in this precarious position. Please see previous complaint and response provided by Wells in the XX/XX/XXXX complaint.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On or about XXXX I did open a credit account with Captial One Bank and the credit limit was around about {$500.00} I did maintain this account up until XX/XX/XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named XXXX XXXX XXXX.
Consumer complaint received 2018-01-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION (KS)

XXXX, XXXX 2018 TO WHOM IT MAY CONCERN This is a complaint against XXXX XXXX with an address located at XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. 
XXXX XXXX is a debt collector as defined by 15 U.S. Code 1692a of the federal Fair Debt Collection Practices Act.

The attached documentation details violations of 12 C.F.R. 1024.41, and/or 12 C.F.R. 1024.40, and/or 12 C.F.R. 1024.35, and/or 12 C.F.R. 1024.36, and/or specifically 12 C.F.R. 1024.41 ( b ) ( 1 ), and/or 15 U.S. Code 1692e. 
Please investigate these matters. 
All the necessary documentation supporting this complaint have been attached. 

XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Furnishing Certain Deceptive Forms 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for  failure to comply with a provision of this subchapter. 
15 USC 1692g - Validation of debts 15 USC 1692f - Unfair practices 15 USC 1692e - False or misleading representations 15 USC 1692d - Harassment or abuse Experian Report no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (IN)

Purchased item at home show and then decided amount was too much and items were not a necessity. Called and cancelled but was notified item had been prepped for shipping. Never received item and notified company. Been disputing this the beginning.
Consumer complaint received 2018-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I called transunion to file a dispute on account XXXX via phone on XX/XX/XXXX ; due to my inability to do so through transunion online dispute portal. I have been unable to file a dispute online for a few months now. I told the call representative about the problem and she asked a few security questions and told me i should be able to file online from this point on. However, i have went online today XX/XX/XXXX and still unable to file a dispute.
Consumer complaint received 2018-01-13
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. (VA)

I have recently ordered my credit report from XXXX and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My business was a victim of end keeper fraud. The branch admitted it was fraud but the corporate Chase credit card processing branch still gave the funds back to the buyer. The fraudulent buyer who made a claim produced no tangible proof to chase or us except a one paragraph statement. The back never gave me a chance to prove we followed sale code as per the California state BAR. The buyer moved out of state after sale and made a fraudulent claim. XXXX never gave us a chance to view his complaint about merchandise or personally see if his claim was valid. The bank reversed the charges of {$6000.00} parts and labor and allowed the client to keep {$4000.00} of our merchandise. Chase bank and the credit card processing branch are the same company called Chase/XXXX. Chase lied and told us the clients bank made a case against me but turns out we both bank with chase.
Consumer complaint received 2018-01-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: First Associates Loan Servicing LLC (MI)

I HAVE A PRIVATE LOAN FROM XXXX XXXX. THE COMPANY ( XXXX XXXX ) PUT ME ON A REPAYMENT PLAN AFTER GRADUATION FOR $ XXXX MONTH BASED ON MY INCOME. I WAS ALLOWING AUTO DEBIT PAYMENTS FOR THIS $ XXXXMONTH FOR THE FIRST YEAR. AT THE END OF THAT YEAR THE PAYMENTS CEASED AND THEY INFORMED ME I HAD " BACK '' PAYMENTS I HAD NO KNOWLEDGE OF. THESE " BACK '' PAYMENTS EXCEEDED {$5000.00}! ON TOP OF MY NEW LOAN AMOUNT OF $ XXXX THAT WAS ORIGINALLY TOLD TO ME TO BE $ XXXX. 
I NOW HAVE TO PAY THE $ XXXX IMMEDIATELY AS THEY HAVE ALREADY REPORTED NEGATIVELY TO MY CREDIT BUREAU. 
AS MANY OTHERS WHO HAVE ATTENDED XXXX XXXX I AM STRUGGLING TO REPAY ALL OF THESE LOANS AS MY DEGREE IS CONSIDERED BY EMPLOYERS TO BE " WORTHLESS ''. 
I DO NOT UNDERSTAND HOW THEY CAN CHARGE " BACK '' FEE 'S ME FOR HAVING A REPAYMENT PLAN THEY SET UP FOR ME.
Consumer complaint received 2018-01-13
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: EQUIFAX, INC. (VA)

I have recently ordered my credit report from equifax and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

This is a debt from an XXXX XXXX XXXX Credit card that I was offered when I did not know anything about managing credit. I was young and was not educated on debt and how to effectively manage it. I was n't aware of a way to dispute this or make payment arrangements before the account was put into collections. If I was afforded the opportunity to resolve this correctly, I would not currently have this blemish on my credit report. I 've always been scared of the negative effects credit could have if you were not responsible. Now that I am XXXX, I understand finances and how to acquire and maintain great credit. I currently have a care note, and multiple credit cards with zero late payments and very low card utilization. I 'm currently asking for forgiveness of this debt, and that it be removed from my credit report due to missed communications between XXXX and I and how I do not have a history of negative credit card debt on my credit report
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX I transferred {$15.00} USD to gdax.com. Their process is to first transfer it to their sister site coinbase.com and then transfer it to gdax.com. The funds were taken from my bank account and deposited to coinbase on XX/XX/XXXX and have been pending a transfer to gdax since XX/XX/XXXX. I have sent them 3 emails requesting an eta on my money but I only get a generic response. My last request was sent on XX/XX/XXXX and as of now I have not received a reply.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (PA)

Today I received a credit card from TD Bank and included in the envelope was a standard-form privacy notice. It said " we can share your personal information for our affiliates to market to you '' and " you can limit this sharing '' by calling TD Bank at XXXX. 

However, this is the wrong number. The recording requires entry of the customer 's account number and other information, but then says it 's the wrong number to call for credit card customers. It provides an option to be transferred to a different line, which requires re-entry of all that information and more, and then presents phone menus that do n't include any options for controlling privacy settings. I was able to reach a representative who just re-asserted that I should call the number listed on the page, and she 'd inform a manager of my complaint.
Consumer complaint received 2018-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America put a hold on my account on XX/XX/XXXX. I called to find out why. They kept transferring me to different departments for many hours before the informed me that someone reported fraud on my account. I asked them for more information they would not give me. The next day the hold was removed and I thought it was maybe an error. However, on XX/XX/XXXX, the bank closed my accounts and when I called they said it was due to I received money ( XXXX ) fraudulently. They said someone hacked into another person 's online account to transfer the money to my account. 
However, I have evidence that the money was legitimately sent to my account by the account holder ( so it was not fraud ). I have evidence where the account holder threatened to reverse the transaction. This, I believe was in order to scam me. I told the bank this but they would not listen. They would not see that I am being scammed. The bank did not carry out a thorough investigation as to if fraud actually took place in the transfer of funds to my account or if the account holder is just telling a lie to frame me. This happens even though I am an XXXX of the bank! I feel this is discriminatory and BOA should review their records and reopen my account and remove the debit of XXXX because the account owner definitely authorized the transaction.
Consumer complaint received 2018-01-13
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: Experian Information Solutions Inc. (PA)

In XXXX XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XXXX XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XXXX XXXX - which does n't add up in the first place because it does not show a 30 day past due in XXXX XXXX. In fact, when looking at the attached statements, the charges in question were from XXXX XXXX XXXX and when you look at the XXXX statement you can see the payment was applied on XXXX XXXX XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XXXX XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XXXX I did not see the 60 days late marked on this account for XXXX, however it has now reappeared there and my credit score which had gone back up in XXXX XXXX has now come back down again in XXXX XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point decline in my credit score. Upon contacting XXXX XXXX again XXXX XXXX XXXX about this issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

After checking my current credit report, on XXXX XXXX, XXXX I contacted Experian again in hopes to resolve an ongoing mistake on my credit report. I spoke to a lady name XXXX, when I contacted them.There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX
Consumer complaint received 2018-01-13
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: EQUIFAX, INC. (NC)

I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

Hello, I would love this company to delete the following from my report XXXX XXXX and XXXX XXXX. These accounts are old and not mines.i cant get a bank account nor move forward with my life. I question the validating process with this company.
Consumer complaint received 2018-01-13
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. (GA)

XXXX has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XXXX/XXXX/XXXX and certified mail XXXX on XXXX/XXXX/XXXX. We are now prepared to take legal action if this is not resolved immediately.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IN)

Upon return of our vacation, we logged into our Chase account to find that Chase charged us 8 seperate overdraft fee 's of {$34.00} each over the course of 24 hours. Not once, were my husband or I notified that we had overdrafted our account. Not once. EIGHT {$34.00} charges on our account and not one notification. Upon contacting Chase, I was transferred multiple times and the only response was that they could only refund 3 of the overdrafts and not all 8 that they had charged. Leaving me with a {$170.00} fee because Chase did not notify me of the overdraft charges when the occured. On top of this, I am signed up to recieve notifications for this account and if it reaches below a certain balance. Chase states that they notified my when they did not. I offered them my phone records from XXXX so they could see that these alerts were never recieved. Chase still refused to care and said they can only refund 3 of them and that no one in their company could refund me more than three of the overdraft fees. No one. As a XXXX XXXX myself, I know that statement is ludicrous. 

I have been a loyal customer of Chase Bank for over a decade with multiple business accounts, checking accounts savings accounts and credit cards. The representatives have been rude and condescending towards my requests and I beleive I have enough reasoning to be refunded the {$170.00} that they charged me on my account without any notifications, despite them admitting that I was in fact signed up to receive account notifcations.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (WA)

In XXXX XXXX I visited an XXXX XXXX Store, and was asked if I would like to get a store credit card. At the time I had no credit, and I asked if this would impact my chances, the clerk replied that that would not be taken in to consideration, and I would most likely get the card. I later learned this was not the case, and the false information created a preventable inquiry on my account.