davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX, 2017 - I forgot my password on my account to log in. The only way to reset the password online is to have the account number. I receive e-statements that do not include the entire account number and was never provided any card for this line of credit, so I do not have access to the account number. 

I called customer service to assist me with resetting the account password. After validating my social, name, address, and phone number, I was told they would not assist me in resetting the password because my cell service provider did not support the short-form message type that they needed to have me validate. ( I use XXXX ). My options were to a ) contact XXXX and request that they change the policy on my account to allow for the texts from Wells Fargo, or b ) go into a branch location to validate my identity. 

I escalated to a manager, who provided me the same options again. I asked him how I can make a payment and access the information on my account without this and he directed me to the mortgage division. I DO N'T HAVE A MORTGAGE WITH WELLS FARGO. I let him know this is not in regards to a mortgage and he begins to backtrack. It became apparent that they did not even know what type of account I had. 

With all of the issues they have had recently with altering their member 's accounts fraudulently, I would very much like to be able to access my account. Apparently, the only way to do so is to travel a great distance to show up in person or negotiate my cell phone provider to change their company policies. My personal information is not enough to validate my identity, I have to rely on a 5 or 6 digit code to be text. Seems outrageous. 

I have the manager 's name - XXXX XXXX to contact. In the interim, I am trying to find my original paperwork from prior to when I went to 'paperless ' on the account to find an account number to reset my password on my own. The process does not make sense and is highly inconvenient to the consumer who is just trying to pay their bill on time.
Consumer complaint received 2017-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

The current mortgage company " freedom mortgage '' considers my payment late if they process the payment after the XXXX. I use online bill pay to pay my account and the payments are set and post marked well before the XXXX, but because it is processed after the XXXX, by the company itself, they consider this late and I am charged a fee. The processing of the checks is random. One was on or around the XXXX another was on or around the XXXX. It seems they are applying a late fee because they process this late and not use the post marked date. One employee mentioned that during training they are told to go by the post marked date, but on the floor, was told to go off of the date he has it. I can not control when they process the check I can only control when I request the check be sent. This seems very unfair. Because of this I have had to pay multiple late fees.
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I went to the school which is now out of business and have no cerrtifications nor am i qualify to get a job in the field for which i went to school for. i am having problem XXXX the rent, and i had to return to school to get a better job to pay off my debt
Consumer complaint received 2017-11-17
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. (CA)

There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor ( XXXX XXXX ) has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
Consumer complaint received 2017-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

They asking to collect {$560.00} on my credit car XXXX XXXX XXXX I had in 2012. I had never spent that amount I tried to resolve it with XXXX XXXX and told them they need to show evidence where and when I charged that about in my card, they did n't show any. 
Now I 'm asking the debt collection company through XXXX  dispute to show me the evidence where and when I charged that amount it was not me I never spent that much do n't know where they get that from and put into my credit report for almost 6 years now. 
Please help.
Consumer complaint received 2017-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (NV)

A few weeks ago I talked to rapid cash/speedy cash to let them know that I had XXXX recently and wanted to cut off my automatic draft so that I could stop payments from coming out my bank account automatically. They agreed, and took it off. Just to be safe I called my bank and ordered a stop payment on my account as wel which I received in the mail confirming it. I went into rapid cash and said that I have to pay for my rent and a few other things after the XXXX and was a little behind and that I wanted to try set up payments for a smaller amount until I could afford my regular amount. They said I would have to contact customer service to pay a smaller amount but that the automatic drafts is off. A few days ago I called customer service and I told them that I could not afford my regular payments at the moment and that I wanted to see if I could pay something smaller. They agreed that I would only have to pay {$50.00} every 2 weeks or less until I was able to pay more. They said I could even pay {$25.00} each account. They said that I could either call in on Friday and make the payment with my bank card or I could go into the store. I opted to go into the store to make my payment on the due date. They said they could not stop the Collections calls since I 'm not paying the minimum amount but they could limit it to every 3-4 days. Today XXXX XXXX before I went to go make my payment agreed upon I checked my bank account and I noticed they withdrew {$300.00} something out of my account even though they said my automatic drafts were turned off and my bank stopped the automatic drafts. When I called my actually bank they said that the original time rapid cash tried to draft it it did not go through. So they changed their numbers around to try to draft the Money out of my account until it worked. My bank thankfully stoppped it after it started processing.. When I called rapid cash/speedy cash customer service department they said I never stopped the automatic draft because I would have to call 3 separate departments to do it, which they never told me up front. They said it was off. Also, my bank did a stop payment on drafts from them and they still changed there numbers around to draft it. I want to make payments in smaller increments and pay it off but I do not know what to believe anymore, because they are doing something different then what we agreed upon. Even though I am setting up arrangments with them to pay over the phone they are still charging my account.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

I have my XXXX XXXX XXXX American Express ( AE ) card for over a year, and I always paid the balance in full and on time. However, I missed the payment of {$1800.00} on XX/XX/XXXX deadline, so I immediately made a full payment of {$1800.00} on XX/XX/XXXX. 

The 2-day late payment cost me {$88.00} of interest charge which I could not believe it. I contacted AE customer service ans asked why it 's so much for 2-day interest and was told that it was based on 18.75 % APR ; however, it should have never been that much, even the customer service advised me it seemed very high! Subsequently, I was charged another interest of {$73.00} on XX/XX/XXXX for the same late payment on XX/XX/XXXX. Again, I contacted AE and was told there 's nothing they could do to reverse the charges because everything was done by computer. I was so outraged and wanted to cancel the card ; then, I was advised that I would loss all the benefits and points that i have earned last 12 months if I cancel my AE card. So I have no choice but to keep the card untill I use up all my benefits
Consumer complaint received 2016-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Credit Bureau, Inc. (AL)

The debt of {$100.00} was paid in full to the dentist that issued the collection. Once I saw that it was a {$0.00} balance reporting on my credit report, the collection agency said if I would 've paid it with them, I could 've had it deleted from my credit report, but since I paid it in full with the medical company, I could n't remove it. I contacted the dentist and they said that their policy is once paid, it will be deleted. The debt was paid and has a {$0.00} balance and I would like it removed from my credit report. Once I contacted the dentist they confirmed that it should be removed and they would be calling the collection agency as well.
Consumer complaint received 2017-11-17
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: Navient Solutions, LLC. (MO)

On my credit report it shows navient has wrote it off and a loss. But when i look on my report it shows the increased my balance by XXXX dollars. This is ridiculous. I have had nothing but problems with them. I tried to contact about my account when it was still openers to set up payments and they told me to call back in 7 days. I did this for a while until I seen that it was a ride off on my credit. Since my account is closed why is my account keep raising. They are horrible people. I mean someone ca n't make XXXX dollar payment but said they would try for a XXXX and the decline it. At least I was trying. Worthless company.
Consumer complaint received 2017-11-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (NV)

On XXXX XXXX, 2017 I applied for a mortgage with Guild Mortgage. I needed this approval in order to write a contract on a home I wanted to purchase. I did a complete application online allowing the mortgage company to run my credit. I also provided the loan officer all of my financials, tax returns, paystubs, XXXX, and bank statements. The loan officer was also provided a copy of the purchase contract from the builder, as I ended up writing an offer. I was never provided a copy of my loan estimate or disclosures, so they are in clear violation of TRID.The loan officer told me I was pre-approved and qualified to purchase the home. I gave the builder close to {$10000.00} earnest money and attempted to satisfy my approval conditions over the last 3 months which included paying off debt and liquidating funds from my 401k for the down payment. The home is new construction and is supposed to be complete in XXXX. On XXXX XXXX, I called the loan officer knowing I would need to update my financials, and found out he decided not to process my loan and had shredded my information. I was never informed of this and never requested them to cancel the loan. Now they are telling me since they did n't process the loan in XXXX upon my initial application ( which is also a violation ), I 'm not really approved and can not approve me at this time. I am going to lose my earnest money, penalties I incurred on the withdrawal of my 401k funds, and I have paid off liabilities that did not need to be paid off, which put my in a hard spot.I have tried to call the managers there, and they said there is nothing they can do. Unfortunately, the only paperwork I have is a prequal letter since they never provided my any further paperwork
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Bank Of America. They refuse to provide the necessary information based on above mentioned letter.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (TX)

I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.
Consumer complaint received 2017-11-17
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: ID Analytics, Inc. (IN)

On XX/XX/XXXX, I received two identical letters from XXXX XXXX XXXX thanking me " for applying for XXXX XXXX XXXX communications or entertainment services '' for which I have not applied. It also included a very low " XXXX XXXX XXXX credit score, '' based on information from the credit bureau SageStream LLC. I have had XXXX XXXX XXXX mobile service for years, my account is in good standing, always paid in full. However, I have not applied for any additional services. I checked my free annual credit report and did not see anything related to this. 

The letters seem suspicious to me for several reasons : they do not identify which service was applied for, I had never heard of SageStream LLC, and I have not applied for any services. 

On XX/XX/XXXX I called the XXXX XXXX XXXX Global Fraud Management Organization at XXXX ( listed on their website ). The representative said there have been no applications with my SSN. She had also never heard of SageStream LLC, did not know why I received the letters, and told me to disregard them. 

I searched for information about SageStream LLC, and found many reports of experiences similar to mine. I am not willing to contact SageStream LLC and provide them with any of my information, because it seems that they are a scam.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I had 2 accounts at JP Morgan Chase Bank. On or about XX/XX/XXXX, I filed a claim on my Debit transactions for the over charges of a merchant. The merchant XXXXpproved cash advance debit transactions but they were processed credit transaction which I was charged more higher fees. Chase accepted my claim and I was temporarily given refunds. On or XX/XX/XXXX, I had direct deposits ( DOL {$5000.00} ). We tried to make withdrawals but the bank system would not allow us. I scheduled bills payment on the same date but they were all rejected by the Chase bank. I contacted Chase bank and I was told as of XX/XX/XXXX, all our accounts were all restricted and closing sooner due to excessive claims I made. I was told that I was no longer have any relationship with Chase bank. 
On or about XX/XX/XXXX, I had direct deposits ( SSA {$1700.00} ), again Chase bank will not allow me access my accounts including withdrawals at the branch office.
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC. (AL)

It started by them tell me I did not have to make a payment until after I graduated, which was a lie I had to start making payments before I graduated college, not able to meet the required payments I got small jobs that I could work around my classes just so I could make a payment, While I made these small payments. I received harassing phone calls from them telling me I needed to make a payment. My loans are not put together for one lump sum payment, so I have to make multiple payments each month to different loans. They were all through XXXX XXXX XXXX I have been sold out to different loan companies while I was making payments and no one will send me proof of my original title. They have also sent me to court while I was making payment to them. Since I did n't know my payments were n't be shared I am now paying through collection agents and to a lawyer on two of the four loans. They keep going up on the amounts owed each month, so it is continuing getting harder to meet the required payments.
Consumer complaint received 2017-11-17
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. (TX)

TransUnion is reporting a bankruptcy on my credit report that should not be reporting. I spoke with multiple supervisors regarding this issue ( XXXX, XXXX, XXXX and XXXX ) regarding this issue. I was advised that they were obtaining their information from XXXX and I reached out to XXXX and recieved written documentation from them that they do not have a bankruptcy on file for me. I also went to the Federal Court and was provided with a letter advising that they have not provided that information to anyone and TransUnion still refuses to bemove this and ALL associated accounts from my credit report. Please see attached documentation. I will seek damages legally if this is not resolved in a timely manner.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (NC)

I have tried to find a way to fix XXXX overdraft fee caused by one transaction with BB & T. But, they insisted this is not banking error. What happened is my checking account has balance of {$190.00} on XXXX. I set up a electronic debit of XXXX on XXXX. BB & T charged me a XXXX dollars overdraft fee because they mentioned my autosdraft of XXXX dollars on XXXX is in pending mode on XXXX and my balance is not enough for XXXX. Then, the pending XXXX dollars finally appeared on my account on XXXX caused another XXXX dollars. So, My XXXX dollars balance does not even have enough for XXXX of XXXX transaction. This is not fair to a general bank consumer like me because : 1. My online bank information on XXXX does not indicate I have less than XXXX with a pending transaction. 
2/ Even though the first overdraft fee is legit due to the pending status, the second overdraft fee does not make sense just because the same transaction goes from pending to posted. 

I am still very positive this is a banking error. But, BB & T does not want to admit this because they simply do n't want to hurt their reputation. Their complain resolving team even tried to convince me about this using their service agreement and it took her XXXX minutes to get the terms for the first overdraft fee. But, she ca n't even find the second overdraft fee is caused by status changed from pending to posted in their term. Here is what I see from my online banking transaction : Date Description Check # Type Amount XXXX XXXX, XXXX Posted Balance : {$91.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC BB & T XXXX CHECK DEPOSIT Credit {$200.00} XXXX XXXX, XXXX Posted Balance : - {$100.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX CARD RECURRING PYMT POS {$43.00} XXXX XXXX, XXXX Posted Balance : - {$28.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX Debit {$190.00} XXXX XXXX, XXXX XXXX XXXX, XXXX Posted Balance : {$190.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX RECURRING XXXX PAYMENT Debit {$300.00} XXXX/XXXX/XXXX PAYROLL XXXX XXXX IN XXXX XXXX XXXX ACH CREDIT Credit {$500.00}
Consumer complaint received 2017-11-18
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. (CT)

On XX/XX/2017 I initiated a complaint against XXXX in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted XXXX. XXXX is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

XXXX continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( Trans Union ) blames XXXX for reporting account balances after loans where consolidated XXXX XXXX 2017. There seems to be some conflict between the credit agency and what XXXX is reporting and I am arguing with the credit agencies and XXXX.