davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NC)

I have hard inquiries on my credit reports ( XXXX currently that I can see ) from where someone has fraudulently applied for credit cards. To my knowledge at least XXXX cards have been issued and charged under my name between XX/XX/XXXX and XXXX XXXX XXXX. 
I have contacted the companies and reported it as fraud and they have closed the accounts.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Beginning around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

I am not able to receive my free annual credit report from Equifax through XXXX as required by the FCRA. On XXXX I was unable to get my free credit report from Equifax and was asked to send request and copy of SS card, drivers license, ect by mail to get the report. I had no problem with XXXX or XXXX. Again on XXXX I was unable to get my free credit report from Equifax and was asked to send request and personal info by mail. I had no problem with XXXX or XXXX.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KY)

I'v had some identify theft several years ago with the address of XXXX XXXX XXXX XXXX in XXXX, XXXX. I 've also had the wrong address of XXXX XXXX in XXXX, XXXX. I 've never lived at any of these addresses and I 've reported it on more then one ocassion. Also there are several phone numbers on my credit report that are n't mine. My phone number is XXXX.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CO)

On XX/XX/XXXX I paid the full statement balance of {$19000.00} on my Flagstar VISA credit card. I believed that my balance was then at {$0.00}. However, on my next statement there was an interest charge of {$41.00} for the period of time between the date the statement was issued and the payment date. I was out of town on business when the statement arrived, and was unaware that there was additional interest to pay. Flagstar charged me {$30.00} late fee. 
When I got home, I saw the mailed statement. I called Flagstar, got the late fee waived, and paid the {$41.00} interest. I believed the balance was paid in full. As it turns out, Flagstar charged another {$1.00} interest on the period of time the previous month 's interest had been unpaid. However, I was out of town again at the time the statement arrived.

When I got home I saw the new statement with additional interest and another {$31.00} in late fees. 
Today, XX/XX/XXXX, I called Flagstar and requested the new late fee be waived. Flagstar refused, because they had waived a late fee the month before. I explained that I had paid the balance on the account, but there was a charge of {$1.00} additional interest on the previous interest charge. I felt that it was unfair to charge {$31.00} late fee for unpaid interest of {$1.00} after I had paid the account balance. I expressed this to customer service rep XXXX, and to manage XXXX. The Call Confirmation number for my conversation with XXXX is XXXX. 
Due to Flagstar 's complete unwillingness to reverse the late charge, I cancelled my account. I did pay the current balance of {$33.00}, which XXXX assured me was the complete amount due and that there would be no additional charges. 
I feel that Flagstar 's late fee charge of {$31.00} in this instance is unfair and excessive and should be returned to me.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX OF XXXX XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (MA)

The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act, XXXX Bank, XXXX has violated my rights. 
XXXX Bank, XXXX has violated my rights. 
XXXX XXXX Bank, XXXX has violated my rights. 
XXXX XXXX Bank, XXXX has violated my rights. 
XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (HI)

on XX/XX/ I called Bank of Hawaii credit card department to verify the scheduled payment to my account because of a credit on a refund from XXXX XXXX XXXX. 

Balance due prior to the refund was {$4000.00}. and scheduled to be paid on the XX/XX/XXXX XXXX XXXX 

I was informed that the refund of {$1400.00} from XXXX would reflect the scheduled payment and " No more then the balance on the card could be paid legally on a credit card and I need not worry ''. 

On XX/XX/ I checked the balance on my checking account and discovered that BOH charged my checking account the full {$4000.00}. 

When I call BOH to get a refund I was told that the earliest I could get a refund would be 7 to 10 days by mail. Unacceptable since I had other schedulded payment due. 

With no concern I was told that mailing the refund was the fastest way to recieve the refund. 

This is a hardship that I will have to figure out with the lease of care by BOH.

Refunds should be applied a lot sooner. I was told that if I went to BOH and withdrew {$1200.00} cash from my credit card, which is a crediton the card, I would be charged fees. 

I am left to deal with this on my own ; refunds should and with todays technology can be applied. 

As a long time account holder with BOH, I am upset that they took the " I don't care attitude ''. 

Most sincerely, XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-08-05
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. (MA)

The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I had a banking error that led to insufficient funds. Having being off work for 9 months. I paid the late fee 's and submitted the payment a few business days later. Then next month my ( bank Bill pay ) made the payment on time and the bank OCWEN.. said I cant submit this form of payment. I asked if I could play by Card they said for a fee ... then said I only send them money Via XXXX XXXX or Cashers Check or Certified Bank Check. This all costs additional money on top of my payment to the bank. I told them that I should not have to be charged extra money because they wo n't accept typical forms of payment. So on top of the returned check fee. I will have to spend additional XXXX dollars to wire them money every month. 
They also said they would not except cash if I sent it to them.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NY)

in XX/XX/XXXX i reached out to td bank, because they were offering a 3 perecent interest on a seven year arm. The mortgage approval was a horror, they needed me to pay a fine from a previous owner with XXXX. I paid {$1500.00}, and then later found out it was not my responsibility. The mortgage was processed in south carolina, and at every turn i had to explain that the workup was not adding correctly. eventually i got the mortgage done. Then to my amazement, they tell me i can not manage my mortgage online the way most mortgages are managed. The only way to make principle only payments is to walk into a branch office. Each time i have to fill out a withdrawal slip and sign it? well on XX/XX/XXXX- i pulled XXXX from my checking to make a principle only payment. to my disbelief, they posted the XXXX as a suspense entry-it shows up in the history, and does not reduce my mortgage balance. I mean i have called and emailed them, they just do not respond. they made a mistake anerror, and six business days later they have not fixed their error. i have never wanted to pay a mortgage off so badly. Imagine if i did n't check my account regularly, they are technically stealing my money.
Consumer complaint received 2015-08-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

Aspire Loan Servicing company has taken over the payment process for Iowa Student Loan. My private loans hold a grace period, this was established with Iowa Student Loan early on in my loans. I have spent countless hours with Iowa Student Loan reviewing options, understanding payments and understanding the loans process. I am aware of what I can and can not do and how my decisions will impact my loans and/or my credit. I have also flexed my payments based upon when paychecks are provided ( as do most consumers ). This was NEVER an issue until Aspire got involved. Aspire contacts me, by phone, if my loan is even 5 days past due. They call me from an unknown number ( which I believe is very underhanded ) and the representative attempts to force a payment over the phone. I previously explain to these representatives that payments are scheduled and I do not wish to make one at this time. They continue to push for payment telling me that since my loan is past due it may be reported to the credit reporting agency and I should make a payment today to avoid this. I again state payments are already scheduled for the upcoming payday week. I have NEVER been more than 10-12 days ( Iowa Student Loan explained 15 or more days is where there could be some additional issues with fees and reporting to credit bureaus ) late with my loans in over 10 years, they always receive payment EVERY MONTH. It is a constant battle and I feel harassed and exhausted every time I deal with them. Yesterday, however, they crossed a line and I feel action needs to be taken. The representative that called my phone from an unknown number AGAIN, identified herself as calling from Aspire Student Loan Services, explained the call could be monitored or recorded ( all the standard ) and then she proceeded to tell me that she needed to inform me that she was " DEBT COLLECTOR. '' This is insane, intimidating and misleading language. My bill was six days past due with a scheduled payment ( visible on their website ) for THIS Friday. She is not a debt collector and I do not appreciate being called in the middle of a work day from an unknown number with someone referencing DEBT collection as if I am months past due, or that I must pay immediately because I am in some sort of trouble. This company is getting FAR too pushy. I know that I am not the only customer that has issues with their aggressive actions for loans that have ALWAYS been paid. A letter after six days -- MAYBE, a phone call referring to a DEBT COLLECTOR is UNACCEPTABLE. Even mortgage companies do not harass you in this manner and they hold loans MUCH larger in capacity than this company, and allow the 15 days grace. I feel harassed and mistreated as a customer that pays EVERY month. I understand reminders, I understand follow-ups to make sure, but 6 days is uncalled for.
Consumer complaint received 2015-07-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (MI)

Hospital was supposed to be re-running the insurance and then resubmitting the bill. This has happened several times. AMCOL Systems has failed to produce a bill for these charges as well. Previously, when attempting to pay an earlier AMCOL debt, they said there was no debt owed.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: First Direct Lending, LLC (OR)

Hello CFPB People, A solicitation letter advertising a mortgage is confusing to me. I can not tell if they are promoting a fixed rate mortgage or an adjustable rate mortgage or even basic terms of repayment. What do you think? I will attempt to forward the letter to you. 
XXXX XXXX
Consumer complaint received 2024-03-06
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. (TX)

In accordance with the Fair Credit Reporting Act, everything on my credit file has to be 100 % correct. 

On XX/XX/XXXX, I wrote Equifax ( Certified Mail # XXXX XXXX XXXX XXXX XXXX ) asking to investigate the accuracy of this account and if they can not validate its accuracy to please delete it. I received a credit report dated XX/XX/XXXX stating that the account had been verified as correct. 

I then wrote to Equifax on XX/XX/XXXX ( Certified Mail # XXXX XXXX XXXX XXXX XXXX ) asking for a description as to how they arrived at those results. In return, I receive a credit report dated XX/XX/XXXX stating that my personal information was updated and that I may want to furnish that information to my credit grantors. I then received a credit report dated XX/XX/XXXX stating that the disputed information has been verified as accurate. 

Equifax stated that my account was properly investigated but, how is that possible if the open date, date reported, and the date last active is inaccurate. This is grounds for removal and they have also violated my rights under : 15 USC 1681 n ( 1 ) ( a ) for not reporting 100 % accurate information - {$1000.00} 15 USC 1681 Sec 602 A states I have a right to privacy - {$1000.00} 15 USC 1681 Sec 604 a ( 2 ) states a consumer reporting agency can not furnish account information without written permission - {$1000.00} I did not give permission for this account to be furnished on my credit report.
Consumer complaint received 2022-08-05
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. (MD)

Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless you!
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (WA)

This website states that a debt collector can not call more than three times a week. This company calls me multiple times a day! I have a screenshot of my call log, four times today they called me! All during work hours, which I will not answer a personal call. 

XXXX The debt collector communicates with you or your spouse more than three times in one week. '' Transworld Systems/TSI XXXX is the number that calls me.
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I am submitting a complaint regarding my student loan provider 's failure to review my account for a student loan overpayment refund for which I qualify. MOHELA XXXX my XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ( PSLF ) in XX/XX/XXXX, with the effective date of XX/XX/XXXX. While I was informed only payments made on/after the effective date of discharge would be eligible for a refund, the effective discharge date is incorrect as it does not accurately reflect the date in which the required XXXX payments for XXXX was XXXX. I am certain that there is an error in MOHELAs system that should be rectified. Based on previous communications received by MOHELA, there were 191 monthly payments credited to my account, far beyond the XXXX required for XXXX. Most of these payments would have been made to my previous student loan service provider, XXXX XXXX XXXX, whose correspondence reflects the total number and duration of payments made. I request to have this issue investigated further so that the discharge date is backdated to the time in which I met the XXXX mark so that I receive the overpayment refund that I am rightfully entitled. 

I have made attempts to speak with XXXX Consumer Advocacy Team, however, no one has attempted to complete a thorough review of my account to investigate the concern further. I am also afraid I am not the only person who is in this or a similar predicament. Thank you in advance for your attention and assistance on this matter.
Consumer complaint received 2015-09-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MI)

Paypal closed my business Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason or warning. Most importantly, Paypal refused to return my money and grab the money for 6 months without any reasonable ground. There is more than {$10000.00} in my account. 
Paypal claimed that they grabbed the money to cover any payment reversals. That is a totally fake excuse since there is no payment into the account at all. Their only purpose is to grab customer 's money and profit from it. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (IN)

XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  is reporting M & T bank on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my M & T bank. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (IL)

I wrote a check to XXXX XXXX for {$1200.00} with a ( post ) date of XXXX. The check cleared on XXXX by Chase bank. The check number is XXXX. My institution is XXXX XXXX XXXX XXXX. 

Implicitly I don't consent for a check to be cashed until the post-date.