davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TN)

My uncle, who was a XXXX account holder in Iowa, passed away on XX/XX/XXXX. I was the XXXX and XXXX of his will and estate. After weeks of calls I was finally able to upload all the documents requested and on XX/XX/XXXX was told that all documents had been uploaded in order to close the account. I was instructed to schedule a branch meeting to close the account. 

I live in Tennessee and the closest branch is in Georgia so it requires a lot of time to go to a branch. I scheduled a meeting at XXXX on XX/XX/XXXX to close the account. 

There I learned that I did not have all the documents that XXXX required and that XXXX of the forms ( Letters of Appointment ) needed to be a " true copy '' designation and they would not close the account without it despite me being told previously that all documents were in order. 

So I had to go back to Tennessee and request additional court documents from lawyers in Iowa ( documents I would have been pleased to obtain had I know ). I was able to get the " true copy '' and rescheduled the meeting to XX/XX/XXXX. 

During my XX/XX/XXXX meeting I presented the requested True Copy of the document but then learned that XXXX objected to my name on the Letters of Appointment not being a perfect match to my drivers license and passport and that I would need new letters of appointment that perfectly match my drivers license and passport. However in the XX/XX/XXXX meeting, I was instructed to get a True Copy of the document that I had offered but no mention was made that I needed to alter the name. 

Funds are sitting in a non interest bearing account and XXXX other more sizable non XXXX accounts have been closed months ago with the documents that XXXX has objected to and requested modification to twice. I have no idea what will be objected to next and it just feels like XXXX is making it impossible to close this non interest bearing account that is preventing me from managing and closing this estate. 

I have all the XXXX case numbers that have been assigned to this mess.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (FL)

XXXX XXXX from TrueAccord contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with XXXX XXXX which was an account from XXXX XXXX XXXX, all of which is not legitimate. 
The XXXX XXXX XXXX  was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge.

I asked True Accord to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from TrueAccord continues to contact me frequently via email on the following dates. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX True Accord acknowledged receipt of the validation request letter on XX/XX/XXXX. 

Attached document is the validation request provided to TrueAccord on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. 

I have not been provided with any validation documents.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Subject : Request for Permanent Removal of Fraudulent Account Dear Equifax, I am writing to formally dispute the recent re-insertion of a fraudulent account on my consumer file. This account was previously removed after I filed a dispute, but I have noticed that it has been placed back on my report at the request of the furnisher. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically Section 1681i ( a ), when a consumer successfully disputes the accuracy of information on their credit report, the XXXX XXXX XXXX must conduct a reasonable investigation. If the investigation reveals that the information is indeed inaccurate, it must be removed from the consumer 's file. Furthermore, once information has been removed, it can not be reinserted without proper verification of its accuracy and notice to the consumer, as outlined in Section 1681s-2 ( a ).

As this account was previously determined to be fraudulent and removed, I request that you permanently remove this account from my consumer file. I also ask for written confirmation of the removal and details of the investigation conducted regarding this matter. 

Please respond to this request within the timeframe set forth by the FCRA. Failure to comply with this request may result in further action to protect my consumer rights. 

Fraudulent accounts listed below : Account XXXX - XXXX XXXX XXXX XXXX. Account number - XXXX XXXXXXXX I'm also disputing the unauthorized inquiries below made without permissible purpose. Remove immediately from my consumer file for FCRA violation. 


XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, 2024 XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX- Inquiry XXXX XXXX XXXX, 2024
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony has gone ahead and monopolized all credit cards, and is now charging XXXX for late fees because their cut off time is un-apologetically not on pacific standard time, have attempted to get fee reversed and they have profusely declined along with giving bad customer service dependent on which store the call is made for.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (ID)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them requests, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX - XXXX Balance : {$0.00}
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Trans union is reporting Negative accounts on my report. see bellow i contacted the company they have no debt there thast is in my name or sociasl nor are they finding anything at there agency when the did a credit report search. same with XXXX ive never gone to school. and have followed up with them as well and they have no information on me at XXXX. see Below several examples on my report only trans union is reporting. New AccountXXXX XXXX, 2017 DESCRIPTION An account provider reported that a new account opened in your name. NEXT STEP If you do n't recognize this account, contact the account provider listed. DETAILS Account XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Type n/a Phone n/a Account XXXX Amount {$14000.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX Amount {$7700.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX  Amount {$6100.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX XXXX XXXX XXXX Amount {$17000.00} Status Collection/Chargeoff Type n/a Phone n/a
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (GA)

this card is a DIRECTEXPRESS DEBIT CAR it is set up thru social security and is the only debit card you can use to receive benefits on, it you don't have a personal checking account. 
the problem started on XXXX XXXX my benefits amount was put on the debit card this is when my problem started some withdrew all of money on XX/XX/XXXX when I signed into my account everything was gone a total of {$1600.00} I called the company every hour of the day for three days could thru. 
I called social security and they could not get thru either I was told the only thing I could do is keep calling on XXXX, I got thru I discovered that someone had called in and changed my home address on XXXX XXXX at XXXX XXXX. That morning also they called and ordered a new card on XX/XX/XXXX had it expedited and that was another {$13.00} this is not included in the total above, I paid this money for someone to steaI my debit card. when I talked to them on the XX/XX/XXXX they closed the stolen card and put my home address back on the card they issued the new card I received the card on Monday XX/XX/XXXX, at the same time is when the post card came telling me about the change of address on XX/XX/XXXX had they sent this when it was changed I could have stop it before my money all stole I called them back they had not even put in for me to my money back. the claim # isXXXX this is thru direct express, I also have a case number with XXXX county sheriff office # XXXX there phone # is XXXX. and after talking direct express they can't tell me when I am going to my money said it would 30 to 90 days. not only is this not fair to me I'm on social security I have no money until they return it this was there fault they changed my address and sent the crooks a new card then they activated the card they also changed my pin number to get my money what is so upsetting is how long they take to answer the phone there is no REASON for them to take three days to answer the phone I called every even thru the night it always said they were experiencing high call volume then it hangs you up and you call back and it does the same thing this is not right I want them to put my money in right away
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Ditech mismanaged 3 extra principle payments. 2 of  which are resolved. The third {$300.00} payment from XX/XX/2018 is still not applied. We have been sending letters back and forth since XXXX of 2018. We have sent bank statements at the request of Ditech only to be told a month later that they now needed copies of the cancelled checks which we provided. We believe they are purposely delaying in anticipation of their bankruptcy proceedings. We have copies of all communications from Ditech and all the letters we have sent. With all the letters and statements and copies of checks we have 20 to 30 pages.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-22
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: EQUIFAX, INC. (FL)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX Account was never past due, I never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2021 Chase bank debited my account XXXX for their " Overdraft Assistance Fee '' and then debited my account XXXX for my XXXX XXXXnsurance through XXXX XXXX pay. My account was left at XXXX XX/XX/2021. 
On XX/XX/XXXX, My XXXX XXXXt was delivered to my XXXX account of XXXX. Instead of my XXXX  account being XXXX it was XXXX. They canceled my XXXX XXXX insurance with XXXX and then CREDITED my account again XXXX with their " Overdraft Assistance Fee ''. I watch and wait from XXXX XXXX XX/XX/XXXX to see if XXXX insurance will send an email stating my XXXX was sent back and they need a payment. But I never receive an email, I check my XXXX account and its stating the payment was valid and accounted for. I talk with a chase XXXX and they are saying the payment was never received. So for two weeks i had a XXXX Car insurance payment no where in my checking account but was accounted for with XXXX insurance. On top of an unaccounted-for debit, Chase bank XXXX XXXX '' me XXXX the same day. On XX/XX/XXXX, XXXX sent me an email stating they never received my payment after I called the previous day regarding my account and billing. The one XXXX is returned by the bank from my XXXX account and but was never returned to my XXXX  account. On XX/XX/XXXX I was given a threat that my insurance policy was going to be canceled. So I would like the XXXX to investigate where was XXXX $ was from XX/XX/XXXX - XX/XX/XXXX, and if the XXXX " credit '' my other half of my child credit.
Consumer complaint received 2019-05-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Student Loan Direct (TX)

I received a call from the number ( XXXX ) XXXX - XXXX from XXXX XXXX, CA on XX/XX/2019. They told me I was pre-approved for a student loan forgiveness from Student Loan Direct. They asked for my name, my burthday, and for my FAFSA log-in information. The employer was XXXX XXXX. His personal work phone number is ( XXXX ) XXXX-XXXX He even asked me for my password for FAFSA, and I told him I did not remember, so he reset it for me and made his own password. 

He then told me my total loan amount was : {$38000.00} and after interest it would be {$61000.00}. He said if I made four monthly payments for {$250.00}, I would then be put in a program that would allow me to pay {$0.00} for 240 months. After the 240 months, my ENTIRE student loan would be pay off at the total of {$60000.00}. 

They then sent a contract to my email, and asked me to sign on the spot without having the chance to read and go through. They asked for a debit/credit card that I can make the monthly payments. They did keep repeating that they had nothing to do with the Department of Education and that they needed to submit my application first.
Consumer complaint received 2017-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Yes- my Auto Loan Payment with USAA Federal Savings Bank is supposed to be taken out of my checking account on the XXXX of every month. Until today this was about the only thing with USAA that was working correctly. Additionally I added my mother 's name to my accounts, and service representative I spoke about with my auto loan could not yet again tell me how to do this simple action. I sent them a letter signed by my mother on XXXX XXXX XXXX and no action, or even acknowledgement of receipt occurred. Also they simply did not call my mother if, as agent today stated, they had verification issues. Finally, I spoke about a week ago with the XXXX XXXX XXXX about getting my mother off my accounts, and the gentlemen I spoke with could not even keep up, as had to repeat myself several times, nor tell me how to do this, and was supposed to get back with mee but never did. USAA was open today, but the XXXX XXXX XXXX was off for labor day weekend. Finally, my home mortgage payment was supposed to be taken out yesterday on XXXX XXXX XXXX, but was not- when will it be taken out now XXXX XXXX XXXX? 4-days late? How is one supposed to manage finances with this type of service? Finally, USAA supposed to be a XXXX Bank XXXX service member worldwide in all time zones and not even open XXXX XXXX a week- so how do XXXX service members, especially in XXXX communicate now? Finally today they could not get the XXXX time text code to come through to me after 3-tries!!!! Is all this acceptable????
Consumer complaint received 2017-01-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has not honored the FHA guidelines. 
They have stolen my funds paid on my account. 
Did not follow the HAMP guidelines. 
Threatened and harrased me during my bankruptcy. 
Changed the amount in Principal to increase XXXX dollars
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is an lien for {$1100.00}. The lien has already been released by the XXXX XXXX XXXX because they aknowledged that it was an mistake. Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

When I obtained a copy of my credit report I noticed that Equifax had my date of birth incorrect. When disputing a few accounts I had asked that it be corrected to show my true birth year which is XXXX. 

To dispute information they require proof of your date of birth which I had included my driver 's license which is an approved document as per their website. This has been going on since last year and they have yet to correct it. Something as easy as a date of birth with documentation they can not even corrected? What does this say about everything they report? I have attached the driver 's license that was also submitted with all my correspondence to them as per their guidelines. They even stated on one of their response to submit a copy of the driver 's license or birth certificate which actually was included in the initial request. That too has been attached. 

Please keep in mind that they would not even respond to a dispute if the proper documentation was not provided and the attachment shows they did respond meaning they had the documentation they required!!! 

If someone did not input my birth correctly at any point then it should have been up to Equifax to question it then because I know my date of birth and would never have put a different year.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I was told by a customer service representative over the phone that the social security on my banking account was incorrect. I was able to verify my account with my phone, however, the banker recommended I seek assistance in person. On XX/XX/XXXX, I visited the Wells Fargo location in XXXX- XXXX and I spoke to XXXX XXXX, a banker. XXXX was able to edit and fix my social security on my account. However, I was left with many questions as to why the wrong social security number was on my account. I have been a customer of Wells Fargo since XX/XX/XXXX, and I have never experienced this kind of issue. It is upsetting that Wells Fargo did not have my social on my own account and therefore I was building up my credit on someone else 's social security. My credit score used to be in the low 700 's and now it is in the very low 500 's when my social was fixed. Consequently, it is unfair to lose the credit I have built up over the years due to a mistake that was made by Wells Fargo. I made a complaint and I faxed it in XX/XX/XXXX, however, I never received anything in the mail as the Wells Fargo representative said. It has been over 90 days and I am now filing a second complaint.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I recently requested a new debit card from my bank ( Citi Bank ) because of fraudulent transactions. I received my new debit card and shortly after receiving it I received an email notifying me that my new debit card information was collected by the XXXX XXXX XXXXXXXX XXXX. I tried contacting my bank but was unable to receive assistance after multiple attempts. I then tried to contact the XXXX XXXXXXXX but their customer service number was experiencing technical difficulties. My last resort was to file a complaint because someone has leaked my personal banking information immediately after my receiving a brand new debit card from my bank.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.