davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NY)

Equifax did NOT protect my identity and my personal information once the company realized it experienced a major hack. The hack happened in XXXX XXXX ; the company reportedly found out in XXXX XXXX ; the company did NOT notify me or anyone else that they, or I, experienced the hack. It did nothing to protect me or any other consumers during this time. To find out in news in XXXX XXXX, 2-4 months after major security leak occurred, the company has breached its duty to consumers. This is unforgivable when identities of > 100 million people are at stake and caused lifelong repercussions of this irresponsible act. The first act of being hacked is a shame, however, as custodian of sensitive and critical information of people 's lives, the company betrayed the trust of its consumers when it severely delayed notifying consumers of the hack. Equifax demonstrated itself as unethical, negligent and irresponsible. The company must and should pay for its deliberate act of omission.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (RI)

According to Equifax 's website, http : //www.equifaxsecurity2017.com/, my confidential credit information was stolen in the recent security breach. I am extremely disappointed with the way Equifax handled my information, which has put me at risk of credit fraud. I am also sorry to say that I was not even alerted to this security breach by Equifax, and had to discover it for myself on social media.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/XXXX I saw a pending XXXX XXXX transaction for {$1000.00}. I immediately called Chase and advised them of the fraudulent transaction. Chase deposited the provisional credit on XXXX/XXXX/XXXX and sent me a final resolution on XXXX/XXXX/XXXX. They advised that my fraud claim was denied because they were unable to validate their chargeback. The letter stated the provisional credit will be reversed because " the compelling evidence did not allow them to validate the claim ''. Chase stated because they were not able to chargeback the transaction that Reg E allows them to reverse the credit. In XXXX/XXXX/XXXX the provisional credit was removed from my account. Chase confirmed that the transaction was done online and unless I can prove I did n't do it they do not have to give me back the fraudulently deducted funds. They further advised the funds were sent to XXXX. I do n't even have a passport, please help me. 

The kickers is that I have not authorized chase to overdraft my account, this transaction overdrew my account. I later was informed that someone at Chase overwrote the overdraft decision to allow this transaction to proceed.
Chase Claim # XXXX
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (IN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach and with what they have been offering to potential victims to protect them. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account indefinitely ( not just for 90-days following a consumer-requested alert status ) and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. The credit monitoring firms should be required to provide SECURE ways for consumers to freeze and unfreeze their credit. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (IL)

It was reported that Equifax breached confidential information of its customers because of a hack to their database. 

On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this breach.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (FL)

In late XX/XX/XXXX I opened a US bank checking account to take advantage of a XXXX  fee checking account offer. During a conversation with their customer service team, I was asked if I would like to apply for the US Bank altitude reserve card which was " exclusive to US bank customers ''. I applied for the altitude reserve with the following terms ( PDF of terms is also attached ) {$400.00} annual fee {$320.00} statement credit for eligible travel related purchases 50,000 bonus points upon charging {$4500.00} in the first 90 days Bonus points are worth {$750.00} of travel if booked through the US bank travel portal. 

On XX/XX/XXXX I was approved for the US Bank altitude reserve card. Several weeks later, I met the spending requirement of {$4500.00} and paid off the charge plus the {$400.00} annual fee. I have attached the {$4900.00} payment I made to US bank on XX/XX/XXXX. 

After making this payment and paying the annual fee, I should have been entitled to the {$320.00} statement credit and 50,000 points as per the agreement. 

However, almost immediately upon completing the requirements for the bonus, US Bank closed my altitude reserve account with zero notice. I found out when I tried to log in to online banking and did not see my credit card account online. Customer service gave me the run around, telling me a fraud alert had been placed on my account, then asking me to call a different department, then asking to verify other information etc. 

After about a week I was finally told my account was shut down due to " risk prevention '' with no further explanation given. There was no opportunity to appeal this unilateral decision. This is after my altitude application had been reviewed and approved for over a month. Furthermore my annual fee has not been refunded and I have lost {$320.00} in statement credits and {$750.00} in travel benefits.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Monterey Financial Services LLC (VA)

I added an account I had with  XXXX   XXXX   XXXX  in my chapter  XXXX  bankruptcy but they still sent account to a collections agency named  Monterey Financial based in California. Monterey Financial  contacted me several times to collect the debt even after they received paperwork stating that account was included in bankruptcy. My attorney sent them paperwork and they still sent the account to collections which is affecting my credit report since they were not supposed to have the account in the first place.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (TN)

My payments are being made as they wised. I only owe a little over  XXXX  $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a credit card with Bank of America that was set up for auto payment through BoA. They did n't deduct payments from my account for three months and did n't contact me by phone, email or postal about any problems. When I went to check on my account I saw it was overdue and I paid it ( I had n't used to the card, I was being charged late fees ). After I paid, they closed my account and all of my information about my account was gone. When I spoke with them on the phone, they did n't have an explanation about why my payments were n't made or why I had n't been contacted. I asked them to at least take off the delinquent payments from my credit report since they were responsible for the mixup. I have since gotten a letter stating that they wo n't do that, though they did send me printed info about my account ( though not why my auto payments were n't made ). My credit score has fallen about XXXX points because of this, and I ca n't get an acceptable explanation either by phone or mail.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2007 WELLS FARGO BANK.N.A. Committed loan fraud. 
XX/XX/2007 Wells Fargo sent crafted uniformed instrument documents to sign - exhibit- A as a security agreement endorsable for funds. 
Wells Fargo clearly makes a statement that a loan was made, this is false. 
Wells Fargo does n't and has not shown any accurate records according GAAP where the said loan came from after repeated inquiries. 
Wells Fargo has cleverly crafted the reading to make you believe that a loan was made to you. The wording usually goes like this in the beginning of the contract : " In return for a loan that I have received, '' I promise to pay .... 
Wells Fargo brought nothing to the table as collator for a loan. Wells Fargo even required XXXX Dollars just to get the loan papers brought me to sign, which I paid. 
Then Wells Fargo took the created a securitized note with my signature and stole it to XXXX or Stole it as a derivative on the stock market. Either way Wells Fargo did make a loan but made copies of a securitized promissory notes and has a past practices of selling them as toxic loans to other investors.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

I have a checking account with Wells Fargo Bank and my bank account was assessed by the NC Dept of Revenue for XX/XX/2014 taxes. I worked out a payment plan with the NC Dept of Revenue for $ XXXX/month and I was waiting for the remainder of my money to be credited back to my account to find out Wells Fargo charges a {$120.00} fee when your account has a lien or hold placed against it. This is grossly unfair because all I had in the account was {$120.00} and now my account is - {$4.00} in the negative. I 'm between jobs and struggling financially and have asked can they credit it back to my account and they 're telling me it 's their policy. This is a grossly unfair policy.
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Ditech took over a mortgage some time ago that did not have an escrow account. they placed forced insurance on the account, took part of the p and I payment for the escrow. declared the account delinquent. we have insurance on the account with them named. this has resulted in negative comments on my credit report.
Consumer complaint received 2017-04-12
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX or thereabouts, XXXX USD was sent to XXXX to send to my bank in XXXX. The exchange rate on the date of receipt was XXXX/USD. Therefore {$130000.00} should have been received by my XXXX Account. Instead only {$120000.00} was received. 

I asked my XXXX bank about the shortfall, but they indicated that the money was received in XXXX, so they were not responsible for the bad exchange rate. I was told by XXXX that either Wells Fargo or XXXX may have been an intermediary on this transaction, but I could not get any details without help. Help was difficult to get, as even though it was my money, the intermediary banks would not speak to me as I was not " their customer. '' I wrote XXXX, President XXXX, and he was responsive. His subordinates helped get in touch with Wells Fargo. Wells was initially unhelpful and tried to obfuscate and blame others in the transaction. I had the good fortune of knowing someone that could read XXXX messages. Eventually Wells Fargo admitted that instead of routing the funds to my bank 's USD correspondent bank, they routed the wire to XXXX first, and took a hefty chunk of my funds in the process. Eventually, Wells did get XXXX to refund about half of the shortfall, but the other half remains unaccounted for.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (SC)

The lender failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender refuses to review this file for loss mitigation options stating the file has to be submitted 37 days prior to sale - We provided to the lender the last requested docs on XX/XX/2017 - the lender did not recognize the docs until XX/XX/2017 when we were advised that the file was being sent to underwriting on XX/XX/2017 for the review, As of today the lender advised that they did not get the requested docs in-time for the review. Which this is not accurate since all docs needed had been in there office since XX/XX/2017 - the sale date on this loan is set for XX/XX/2017 In addition we request that you suspend foreclosure during this complaint review in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I 'm not sure what category this applies to, but it goes like this. I cosigned for my daughter 's student loans that she obtained through  XXXX  over the past 4 years, and they have accumulated to more than {$40000.00}. She is still in college at this point. Last month I received a letter from  XXXX  stating that as of  XXXX   XXXX  the amount of the loans will be shown on my credit reports with my debts. This effectively hurts my debt/income ratio severely. The result is that as of  XXXX   XXXX , my credit score was  XXXX . As of  XXXX   XXXX  it is  XXXX . So from now until the student loan is paid off, every loan I get is going to be at a higher interest rate, which means more money in the pockets of the lenders. I do n't know which category a complaint about this would be filed, but it sure is not right!
Consumer complaint received 2017-04-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DC)

I am filing a complaint because I have consistently been unable to log into my PNC financial account. I first contacted them about the issue via email on XX/XX/XXXX. They did not respond until XX/XX/XXXX ( approx ). The woman on the phone told me the login credentials I had set up had " expired '' and reset my password. However, while she was on the phone, I tried to log in and received the same error message that my user name was incorrect. She could not tell me why, put me on hold for 10-15 minutes ( approx ) and then told me the " system was down '' and that she had no idea when it would be back up. She contacted me once the system was up and I was able to log in. The next time I tried to log in, yesterday, only about a week later, I received the same error message that my user name was incorrect ( despite it being the same one I have been using since I opened the account in XX/XX/XXXX ). They are closed for the weekend, the issue is unresolved, and I can not file my taxes until they fix this account issue ( again ).
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

last week I checked my credit report and noticed that my TransUnion  FICO sco re was significantly lower than my other  XXXX  credit scores and as I scrolled through the accounts I saw no issues with any of my accounts but then I noticed the " Public Record '' section of my report was displaying a Bankruptcy and this is erroneous. I have never filed bankruptcy before and I also have never held any joint accounts with anyone before to have filed a joint bankruptcy. My concerns are that I am heavily reliant on my credit to get the best rates and such and this has surprised me and I had never realized until now that this was the reason why I was being denied certain credit cards and business loans. I do not know how or why this has shown up on my Transunion credit report but I demand it be removed immediately so that all  XXXX  of my credit reports match and say the same thing about my credibility. It is dissapointing that this can just appear on my report and even though I understand that errors may happen I am very frustrated that I have to take these steps to fight for something that should not be affecting me financially or legally.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MO)

I took out a private loan with  XXXX   XXXX  in  XXXX . It is now serviced by Navient. I am struggling to find a job and also a mother of  XXXX  kids with another on the way. I am having difficulty paying most all of my bills at the moment and my family and I have been homeless since  XXXX  of  XXXX . Navient calls me several times a week from various phone numbers. I have asked for leniency and also for some kind of income driven payment plan. All they offer me is for me to pay {$50.00} forbearance that will bring my account current but no other option s. Two days go t he representative threatened to garnish my bank account and paycheck and then asked me to ask my father to pay for my loan. He even mentioned my dad by first name. I am unable to pay this loan at the time and the only option I have is to default.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I mailed a Multiple  Inquiry Removal Letter by mail in order to dispute information, in regards to 7 har d inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted includ ed 7 H ard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigate d and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-13
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MN)

Began applying for a small home equity line of credit on XXXX XXXX with Wells Fargo. I was told it would take 30 days. We have provided all documentation within 24 hours of request. It has now been 77 days and my application is still pending. We have several hundred thousands of dollars of paid equity in the mortgage ( not appreciation value ) and excellent credit as well as high verified income.