davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (PA)

I just refinanced my private loans from Wells Fargo to XXXX XXXX saving me over {$1000.00} a year in student loan payments. My issue is with Wells Fargo Bank. Due to the length of time it took me to complete my new application the payment XXXX XXXX sent Wells Fargo was {$1700.00} higher than my current loan amount. Due to some ludicrous guideline that Wells Fargo has they must wait 21 days to clear those funds to send to the new institution. Meanwhile I 'm now starting to accrue interest on the higher loan amount. This is a ridiculous practice that needs to stop. If I was one day late on my Wells Fargo payment they start tacking on daily interest yet when I overpay my payoff amount they are allowed to hold onto my funds for 21 days while they " clear '' the payment. It is not right that big financial institutions get to make up their own rules on how to treat payments and paybacks because they always end up punishing the consumer who is just trying to be financially responsible. The 21 day waiting period needs to stop on getting refunds to student loan payments!
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (AZ)

I received a bill from Debt Recovery Solutions LLC for {$370.00}. The Original Creditor is XXXX XXXX Hospital. I 've never been a patient with them, however I called the hospital to see if there was any record of me and there was nothing. I called the Debt Collection company and told them I would not pay because their information was invalid, and that I researched the issue with the original creditor. The woman stated that the Hospital would no longer have my info, which is not accurate. There would have to be a date of service, and proof that I was a patient there however the hospital was unable to find anything with my name or DOB. The hospital billing dept have also never heard of this company. I feel this bill was fraudulent and they are trying to steal money from people.
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Over the past months and years of dealing with Wells Fargo and the consistent mis-handling of applying mortgage on time, I have gone the extra step of pulling funds from XXXX bank ( XXXX XXXX XXXX XXXX and taking it directly to the Wells Fargo branches as to avoid any confusion. Wells Fargo knowing that I have my payment history and receipts and dates, have chosen to apply my direct mortgage payments, not directly to the mortgage. I have even paid payments ahead of schedule ( Twice in a month ) on some occasions. Wells Fargo also does not report my mortgage to the credit bureaus, despite the fact that my attorney at the time ( XXXX Law Firm ), was never sent the reaffirmation paperwork. They insist on placing blame on the firm. Although the firm ( XXXX Law Firm ), does not hold the mortgage loan. It is unsettling to me to have to constantly deal with incompetence, such as XXXX XXXX XXXX XXXX XXXX. This lady consistently interrupts in conversation, combative, passive aggressive, unprofessional and refuses direct requests when made. The role of a executive customer service, is to uphold the requests of mortgage holders. For whatever reason or situation at home, XXXX consistently is unprepared and not fit to adequately deal with mortgage holders, her constant interruptions and screaming into the phone are absolutely annoying and unacceptable and unbecoming of the new direction Wells Fargo is attempting to move in. It is my request to have XXXX XXXX as my point of contact and only XXXX XXXX, she is knowledgeable and knows her job, unlike XXXX, whom is totally unfit to serve in the position she holds. It is for these reasons I herby request XXXX XXXX as my point of contact and also herby demand that they locate every payment I have made to match the ones I have recorded by dates. Additionally I herby request no further contact with XXXX and or her recommend anyone on my behalf, she does not have that type of power and I also request that XXXX be re-trained. This due to the conversation that occurred to on XXXX XXXX, 2016, if you need to hear this conversation. I suggest that you pull the call and if you choose not to pull this call and administer re-training, you are doing Wells Fargo a dis-service and will remain in the C-rating category.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Pretty much, I have XXXX checking account with Bank Of America, XXXX is over drawn due to I did n't have a job couple weeks, but I did told them that I will come in tomorrow to make a deposit to solved the issues, but other account I have money in it, because i started to drive door dash, I was going to use that money to transfer over, but the next day they close my account, I ca n't even used my card to get gas or food, even thought i have money in there. I call them but they were very rude to me. I do n't mind them closing my account but at least let me know or even give me my money back so i can get food and gas. They were very rude to me like i did something wrong, I was in a difficult situation and they were not willing to work with me.
Consumer complaint received 2024-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I have over the course of the past 16 years disputed the three loans they state where given to this institution under my name. I asked them that they provide some kind of documentation with my signature on it where I indeed signed to attend this institution. 

I was sent a document containing my actual signature. However, it was to an actual institution I in fact was at the time and did attend. I called and explained this to them. And stated this institution ( XXXX XXXX XXXX ) I never disputed attending. It was in fact another institution ( XXXX  XXXX XXXX ) that I disputed attending. They then provided me with an enrollment document as was the same kind they provided me with from the school I actually did attend. Although, there was NO handwritten signature on the document. It was in fact typed in. 

So, I then requested an investigation for this be done. Finally, a few months ago they agreed. They asked me to provide multiple documents. Which I provided what they had requested of me. After approximately 30 or so days, they responded that they have obtained an actual document with my signature on it proving I did attend that institution. I demanded to see it. They said they could not show it to me. 

I informed them that anything that they have in their procession that contains my signature, I have a right to have a copy of or see it. They told me they would not be supplying me with the document. I reminded them they had no problem with providing me the signed document from the institution I actually did attend which was handwritten and signed by me. Although, they can't by law provide me the same document they say they received from the other school! Why? 

They then said I have to contact the university itself to request an investigation through them. This is not right. They are the ones that gave the loan freely. Now prove to me what document you state you have in your possession that gave you the legal right to provide these loans!
Consumer complaint received 2016-11-04
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Dear Sir/Mam, I am writing to you in regards for an issue involving the wire transfer of {$2000.00} to my Beneficiary 's account who holds an account with the XXXX bank located at XXXX, XXXX branch. 

I hold an account with Citizens Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA, USA. Since two months were over and as the money transferred from my account to the beneficiary 's account was never credited to his account under the specified period of time ( reason still unknown ), I had to recall the wire transfer with the help of Citizens Bank back to my account but neither the money has been credited back to my account. 

Upon further searching, I was told by Citizens Bank that the XXXX Bank had already sent the wire transfer money to XXXX and XXXX XXXX XXXX who acts as an intermediary bank in regards to the Citizens Bank has been waiting for XXXX to respond to them in this issue. ( as informed by Citizens Bank official ) I would really appreciate and would be highly obliged if you could help me resolve this issue as soon as possible just because being a recent graduate, the amount of {$2000.00} means a lot to me and the issue has taken a way longer than normal which in itself has been very stressful! 

Thank you!
Consumer complaint received 2021-07-04
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. (LA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( Equifax, XXXX, and XXXX  ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this XXXX  from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41.

-XXXX  XXXX XXXX
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (FL)

I have XXXX credit cards with Elan through XXXX Bank. I call this fraud - you may call it something else. One is closed because Elan raised my credit line ( without my request ) increase of {$5000.00}, with an introductory 2.99 %. Once I used up the increase and was making payments on time, I received notice I was losing the 2.99 % due to a drop in my XXXX score and the new rate was 23.24 %. I have been paying on this account regularly but closed it because I felt taken advantage of. The second card is currently open and I continue to pay on this one. The problem is an unauthorized online scheduled payment of {$1100.00} was taken out of my checking account without my knowledge or permission. Elan has dropped my credit limit and claims they can not return the unauthorized payment because it would put me over my credit limit. My regular payment of {$450.00} was made by phone, on time, using the same checking account. I always pay credit card bills by phone and record the confirmation number and amount paid on the bill.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-09
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: Mr. Cooper Group Inc. (LA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear XXXX, XXXX am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana Revised Statutes ( LRS ) Title 9, Section 3571.1, which governs consumer credit reporting, and identity theft protections under Louisiana Revised Statutes Title 14, Section 67.16. 

It has unequivocally come to my attention that NSTAR/COOPER h

as engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Louisiana state law further reinforces this requirement. Under LRS 9:3571.1, credit reporting agencies must maintain strict accuracy in consumer credit information and ensure that no report is made without proper authorization. Additionally, Louisiana 's identity theft statute, LRS 14:67.16, explicitly p
rohibits the unauthorized use or reporting of personal information, underscoring the seriousness of this violation.

I assert, with unwavering certainty, that I have not provided consent for NSTAR/COOPER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and state laws.

I demand that NSTAR/COOPER immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and LRS 9:3571.1. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Louisiana 's identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NSTAR/COOPER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2022-03-02
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

I disputed two ATM charges with Chase Bank that I completely do not believe I made. The dates of the transactions are XX/XX/XXXX and XX/XX/XXXX both for {$100.00} each. These were ATM withdrawals at a local bank. To confirm, I checked my timeline through XXXX XXXX  and it shows I was never at the bank on either of those days. 

In recent months, I had a credit card skimmed/shimmed and used to make fraudulent charges. The credit card company confirmed the fraud and reversed the charges. I believe something similar happened with my ATM. 

I told Chase bank all of this on XXXX. On XXXX the charges were removed and on XXXX they states reversed the removal. On XX/XX/XXXX I called the number on the letter which said I was entitled to request the information used for the investigation. The only information they would give was to say that the chips can not be compromised. I have doing some simple research online, I found that is not true. I asked for ATM video and they refused saying the investigation was closed. I do believe that they conducted a reasonable investigation in this circumstance.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This reporting agency is in Violation of Timely Payments Regulations : You reported \ '' late payments\ '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. Please remove these innacurate accounts asap they are negativeley affecting my score.
Consumer complaint received 2016-10-19
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CA)

I applied for a home equity line of credit application with my bank, Citibank in XXXX XXXX and was initially offered a conditional HELOC of {$450000.00} ( in writing ). I was continually denied credit and after working with multiple higher levels within the organization and months of providing all data requested, on XXXX XXXX, they declined to offer me even as much as {$1.00} credit and I decided to file this complaint. 

With .... 
-Over 24 years of continuous banking relationship with Citibank -Status as a Citgold client ( their premium customer level ) -Over $ 100XXXX in deposits in my Citibank accounts consistently since XXXX ( including right now ) -Two previous home equity lines of credit with Citibank -A credit score of XXXX, the highest the loan officer had personally ever seen -Over $ 1XXXX in home equity in my XXXX homes -Over 80 % value equity in the home Citi would be issuing the line of credit against XXXX jobs from XXXX and my own consulting business -Already XXXX scheduled classes at XXXX XXXX XXXX ( at top XXXX public University in the world ) confirmed -A pending job as a XXXX XXXX XXXX as per the XXXX of the University with an anticipated annual salary of {$90000.00} -Over {$30000.00} annually in rental income profit ( $ XXXX gross ) from my XXXX XXXX XXXX car garage home that has a signed annual lease that Citi has a copy of at their request ( that has a loan/value ration of XXXX ) -A {$120000.00} annual consulting contract with my largest client that Citi has a copy of at their request -A statement from my XXXX CPA stating my anticipated income for XXXX to be at or over $ 120XXXX that Citi has a copy of at their request -Copies of my personal and company tax returns for the past 4 years that Citi has a copy of at their request. 
XXXX prior conditional approvals from Citibank for a home equity line of credit of $ XXXX and $ XXXX -My prompt and highly detailed/documented submissions of everything Citibank has asked for since starting this home equity line of credit application in XXXX, XXXX ( 5 months ago ) ... yet, I was still denied a Home Equity line of credit approval. 

The idea that my bank of over 24 years wo n't lend me even {$1.00} with this stellar and almost model loan applicant status is shocking, so I am asking the CFPB to intervene in the process with Citibank to review and overcome any approval issue. 

Thank you so much for your assistance.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo offered to refinance my home at a low interest rate and cash out part of the equity ( they currently hold the mortgage ). I paid the appraisal fee and had all paperwork completed on XXXX, and was told everything was a go -- that the appraisal would be done within two weeks, and then they would close the loan. Since then they 've stalled and delayed, telling me they ca n't do an appraisal. Now they tell me they wo n't be able to appraise the home until XXXX. Each time they push the date farther away. I 've already paid for the appraisal, and this is preventing me from going to other lenders. Their reassurances were that I 'd have my refinance finished in time to have contractors work on my home ( I have a leaky roof that needs to be repaired before the NW rains start ). Now it 's XXXX, I 'm no closer to closing this loan, and out several thousand dollars.
Consumer complaint received 2017-01-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has tried to swindle me! I put in an order to change my monthly loan payments from my Wells Fargo checking account to my XXXX checking account. They charged both accounts for the same payment on the same day! Fortunately, the old account was empty, because I am in the process of closing it. So, they withdrew the payment from XXXX account and charged me an NSF fee for the other. They admittedly had every intention of keeping the money from both accounts! In addition, they told me that in case the first order did not go through, I should order another payment, which I foolishly did, but on the federal credit union account, not the old WF checking account. I am waiting to see if they attempt yet a third payment. This is clearly a scheme to steal money from their customers by way of fees and duplicate payments.