davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

I have been charged with overdraft and insufficient fund fee of {$34.00} by Chase bank 9 times in 20 days, recently I had enough money in the account to cover for 3 transactions ( {$370.00}, {$100.00} & {$30.00} ) and these transaction took place on Saturday but the bank due to the weekend shows them as pending transactions, I even received a text on my cell that transaction of {$370.00} was submitted to my account on Monday before they made a change.

Then after 3 days on Tuesday morning around 2 am a 4th transaction of {$760.00} hits the bank account and within 6 hours Chase bank rearranges the time and date of transaction and charges me with 4 insufficient fee 's of {$34.00} dollars for every transaction.

This is not the first time they have done this illegal act, in fact in last 4 months chance bank has charged me more than dozen of insufficient fee 's and every time I called to get explaination they denied wrong doing and said they have the right to charge as many fee 's they can.

I took snap shot of my bank account screen just to provide them with a proof of wrong doing but Chase bank representatives refused to even look at proof I
Consumer complaint received 2018-01-24
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. (IL)

I certified mailed a dispute to EXPERIAN as well as uploaded dispute along with supporting documents EXPERIAN is stating that they did not receive my certified mail which was mailed on X/XX/2018 They are stating per the uploaded public record information was verified which is not true I have since forwarded supporting documentation that information was not verified through the court and would like public record reflecting Bankruptcies deleted from my profile.
Consumer complaint received 2018-01-24
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. (WI)

I 'm a victim of the breech and also been a victim of identity theft before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have fraud alerts on all my reports due to this. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on Transunion it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On XXXX and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on Transunion, XXXX, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

I have previous filed a complaint against XXXX XXXX- I had insurance on all of my store credit cards with this bank. I had to used the protection plus insurance on my credit cards due to being sick. This company cancelled or terminated my protection plus insurance and accused me of fraud. This is totally unfair practice on their behalf. I had file an insurance claim due to XXXX, my doctor , Dr XXXX was terminated during the time I had an active insurance claim with this protection plus program, and all of this doctors patients was sent or placed with other physicians in the area. I was assigned to Dr XXXX in XXXX, Arkansas. I explained to my new physician that I had an open claim with XXXX XXXX/ XXXX XXXX XXXX and needed her to fill out the necessary paperwork to get my claim processed. Dr XXXX had a copy of most of my Medical records from Dr XXXX and filled out necessary forms for card security. At that time I was accused of fraudulent claim. And I was terminated from the program. As my medical condition became more advanced I contacted XXXX XXXX to find out what options I had on reducing my monthly payments. XXXX XXXX closed most of my store cards and reduced the credit limit on all of the other store cards that I hold from their bank. The customer service representative from XXXX XXXX, never told me a date that my payment would be due on. Ive contacted XXXX XXXX numerous of times to find out my due date on credit card payments and the customer service representative gave me several dates to pay my cards on. I am totally confused. XXXX XXXX   retaliated on me because I file a previous complaint on them and now ever month they are sending in to credit bureaus that I am 30 days late, this is totally wrong and they should be sued. XXXX XXXX refused to send me out a statement of my due dates. They have blocked my on-line access and telephone so I cant pay my bill. I have never been late with this company since I had become a customer until the customer service decided to give me false information on payment dates. After XXXX XXXX found out I had XXXX, I was terminated from XXXX XXXX and they are reporting my payments late to credit bureaus every month. XXXX XXXX also reduced the credit limits on my credit cards because my credit score dropped due to XXXX XXXX reported false information saying my credit card payments were late.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-23
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. (VA)

Overview You're currently using 101 % of your account 's limit. 
Balance {$13000.00} Credit limit {$13000.00} This showed up on my credit history and I have no idea what it is and where it came from. Because of this my credit score dropped by 75 points and I have no idea what to do to fix it. 

Account Details Account status OPEN Type Flexible Spending Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

My wife requested my loan to be paid off on Thursday, XX/XX/XXXX at XXXX. She spoke with XXXX at Navient and requested that the payment be made from our SAVINGS. The total amount for loan XXXX was {$1700.00}. Nothing was showing as pending on Monday so I called and they informed us it could take up to 4 business days and that it was coming from our CHECKING. I moved money from our savings to our checking so that it would be covered. On the morning of the 5th business day the loan showed PAID IN FULL on navient.com, however I was n't seeing anything in either SAVINGS or CHECKING in my bank. Nothing was posted or pending. I spoke with XXXX at Navient on XX/XX/XXXX who informed me that it was pulled from my CHECKING ( just like the previous representative had ). I escalated the call to a supervisor XXXX - and filed a BBB complaint against Navient for being unable to explain why it took so long or why I was getting mixed information where the money was being pulled from. We conference called my bank XXXX who told me that no money had been pulled, but that they had miscoded the request and it was denied on XX/XX/XXXX. Nobody had contacted me. I escalated this to XXXX who told me that since there was n't currently a balance I would have to wait to repay. This would lead to accrued daily interest and a greater payoff. I 've had problems with Navient misallocating payments in the past and recorded BBB complaints each time.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX does not have proper communication skills with their entire company. 
I was recently involved with a payment arrangement with them. After having the arrangement set up and making payments on the account I received court documents to comply with the company. I called and talked with someone about this and was told that it wouldnt be happening again. 
Not even two weeks later there are court papers that were tapped to my front door. These were not even served to me or anyone. These were placed on my home door. Along with that was my credit card statement and other personal information attached. This is extremely unprofessional and not acceptable.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

Private Mortgage Insurance ( PMI ) of XXXX $ was established and signed on Closing disclosure for my home mortgage. I was paying this amount to the original lender ( XXXX XXXX ) of this loan. Everything was going good. 

I recently got notified that my loan is now sold to WellsFargo. Wellsfargo is not following the PMI amount ( XXXX $ ) established on Final Closing Disclosure and changed my PMI from XXXX $ to XXXX XXXX They are charging me XXXX $ more than the amount finalized on closing disclosure. I understand that property tax and home insurance are subject to change but Principle, Interest and PMI amounts MUST NOT be altered during loan term. I repeatedly explained them that they are not allowed to tamper with legal closing disclosure documents and it is illegal to alter PMI amount finalized on closing disclosure. But still they are not fixing this.
Consumer complaint received 2018-07-17
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. (MD)

I had several accounts with XXXX XXXX  and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With comenity doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Assured Financial Partners (MO)

they continue to contact family members and leave voicemails stating they are contacting me regarding a civil case filed against me regarding an apartment on XXXX. I do not owe any outstanding debt. I looked up the name of the company online and the number they are calling from and found that it shows they call family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION (MI)

I have had complication with a bank transfer from XXXX XXXX to my Region stream line of credit. On XXXX XXXX XXXX a payment cleared and was processed. A review and or investigation was completed and payment was verified and was authorize. A pending payment did reach regions in the amount of {$34.00}. and the transfer amount was an even {$35.00}. regions has simply stated this is XXXX XXXX responsibility and to take it up with them. I did and no recovery has been made. Regions did no make my deposit of {$35.00} charging me {$35.00} for a returned check fee and {$35.00} for non payment and or late payment fee. leaving me in the negative of {$100.00} plus transfer fees and interest for tranfering other funds to make this account and to keep in good standing on my own. attached our screen shoot of each account thank you. 
XXXX XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc. (FL)

Professional Debt Mediation continues to report this collection account to be opened but it was discharged in XXX 2016 with a  chapter XXXX BK. I have disputed this account status as " opened '' a couple of times with XXXX  but the collection agency refuses to remove still. I get numerous calls, just about daily, from the number in XXXX, which is where their offices are located. I have been referred to by my BK lawyer to a consumer affair attorney, XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX ) and plan to proceed with a lawsuit if this is not handled ASAP!
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a credit card with Capital One and have made the monthly minimum payment required according to the mobile application on my phone. XX/XX/XXXX I made a payment of {$70.00}, which the app reflected a minimum of roughly {$60.00} due. My credit was reported as 30 days late for the month of XX/XX/XXXX immediately after payment was processed on XX/XX/XXXX. I spoke with customer service on XX/XX/XXXX and was told it was 3 days late, not 30. They filed a dispute for me then. 

I spoke with Capital One again today and they told me I was {$3.00} behind for XXXX 's payment, not XXXX. I was told what their system saw vs what I can see on my mobile app ( I do not use paper billing ) differs and that 's where the problems lies. If I was {$3.00} behind for XXXX, then the app should have told me minimum payment due then was {$28.00}, not {$25.00}. Also the next month 's minimum payment amount should have included an additional {$3.00}. 

Where I 'm confused at is if the mobile app tells me that minimum due then ( XX/XX/XXXX ) was roughly {$60.00} then my {$70.00} payment should have covered it all. Also why report XX/XX/XXXXlate if the {$3.00} past due was owed for XXXX? 

I only made during the month of XXXX what the minimum payment posted in my mobile app told me. I have never had a late payment with this company and I hold XXXX separate credit cards with them. Some months I 've even made payments twice. 

I took a 70+ point decrease with this mistake. Capital One has told me 3 different things by 3 different people.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IA)

I initiated a wire transfer for {$8000.00} to XXXX on XX/XX/XXXX before XXXX PT. Their web site ( XXXX ) states that wire transfers should arrive the same day if placed before XXXX PT. I called my bank and confirmed that the funds had left my account. I checked my XXXX account and my Coinbase account that day, yesterday, and today and see no sign of an incoming transfer being recorded. I contact Coinbase support via email but have not heard back. 

A XXXX search led me to dozens of people complaining that they had initiated wire transfers for thousands of dollars that have still neither appeared in their Coinbase or XXXX accounts, nor were returned to their respective banks. The Coinbase subreddit is flooded with complaints about failed wire transfers : XXXX XXXX XXXX/CoinBase/
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thaxton Investment Corporation (SC)

im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.
Consumer complaint received 2018-01-24
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. (MD)

I opened a 48 month Auto Loan with XXXX XXXX XXXX XXXX. The Loan amount was for XXXX. The account was opened on XX/XX/XXXXand closed onXX/XX/XXXX ; the total length of the Loan was 3 years 7 months. The loan was paid off early, and my payments were 100 % on-time with know missed payments in the 3 year 7 month term of the loan. XXXX XXXX XXXX XXXX properly reported that the Loan was successfully completed, and the account was closed successfully. After the successful report from XXXX XXXX my Credit Score dropped from a XXXX to a XXXX ... a 40 plus drop in my Score.

My dispute Is Not with XXXX XXXX XXXX XXXX ; XXXX XXXX properly reported the term of the loan for almost 4 years, this is a XXXX XXXX XXXX. My dispute is with the Credit Bureaus Itself. My Credit Score dropped over 40 points for closing a account for XXXX dollars, that I successfully maintained for almost 4 years, with 100 % on-time payments. I did not get any positive rating or increase in my Credit Score at all for paying off a XXXX dollar Auto Loan successfully. I am respectfully requesting that the CFPB investigate this matter. Because if this is happening to other Hard Working Americans and Military Veterans, the CFPB should be putting a stop to this injustice immediately. Thank you for your time and consideration on this matter.

XXXX XXXX XXXX