davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA XXXX Subject : XXXX University, XXXX Outstanding Balance- delayed XXXX completion XXXX UNIVERSITY   XXXX ID # XXXX I am writing to dispute the subject debt. Please provide a verification of the debt and related details as required by law. 809. Validation of debts. I enrolled in the XXXX program XXXX and continue affiliated with XXXX XXXX program. This debt appears to be " old '' and not longer applicable. Approx. $ XXXX {$10000.00} is now being demanded before even being allowed to graduate with my XXXX after completing coursework thru dissertation stage. I am a low income mature citizen with chronic medical 'challenges ' on a fixed income/pension. 

Also, I am disputing the debt and efforts to collect because I feel that Ability Recovery efforts violated provisions of the United States XXXX provision the Fair Debt Collection Practices Act ( FDCPA ) in XXXX including 806. Harassment or abuse -- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

Your efforts and XXXX University have oppressed and abused/delayed my seven year efforts to complete and graduate with a XXXX XXXX XXXX XXXX XXXX. 

I have been denied employment, housing, a peaceful enjoyment at various residencies and continue to suffer attempts to publicly humiliate, XXXX, XXXX and age related domestic terrorism. I am taking legal action as a consequence and hope to resolve matters with XXXX University and your firm to expedite the process. 

I hope for a rapid response and can be reached at XXXX XXXX XXXX XXXX and/or the address above. 

Regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX CC : XXXX XXXX XXXX XXXX XXXX University
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (MD)

Im found that my credit report has inquires that I never apply and I dont recognize them XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

They lost my payments for several months without notifying me and when I found out on my own they blamed me because they say my financial institution took my payment back yet they also stated that I didn't order it or them in any way. They said that I have to continue to make payments even though they couldn't stop losing them. Every payment that I made I would receive a email confirming it and another when it posted to their account but never that it was taken back or not made and said I had to pay the penalties or else. They destroyed my credit rating and even though they stated that I never miss a payment I have to continue to make payments when they can't prove that they have fixed their problem of losing my payments. Contacting them takes days of being put on hold, hung up on, and automated machines that are impossible to make it though. The FBI and the secret service said that they deliberately do this so you can not talk to the fraud division. I will not pay a single fine and they will restore my credit rating a pay my time invested in doing this.
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (KY)

in XXXX of 2019 i went to a XXXX XXXX XXXX i was told it were no cost to me. when i got there i got word that my father was very ill of course i left the school before doing so i was told that I would have to find my own way home and all my other fees would be waived due to the timing of my departure according to the contract i have sent multiple request for validation of the debt would show this information however the company has failed to or refused to reply.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

I made all payments on time for a long time according to them, then since XXXX about they claim that my financial institution kept taking my payment s back from them after they had notified me that my payment has posted. they also state that I didn't tell XXXX XXXX  XXXX  to take the money back. Contacting them is extremely difficult because you have to battle a automated machine to get to a person who can't speak XXXX and they keep you on the phone for 30 minutes before you can get transferred to a supervisor where you are put on hold for about 30 to 45 minutes. then you have to repeat this process again and many times are hung up on and have to repeat this process. After hours of this you might get to the fraud division who blame everything on a other bank that by their admission i didn't order or authorize the taking back of the payments but state they I have to keep making payments or else even though they keep losing them or destroy my credit rating and continue to fine me for late payments. I told them I will not pay until they put things back and pay me for all the time I have put in to report this. the fbi and secrete service both say they do this to make yu give trying to reverse this and make you pay these fines.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I became the successor trustee of my mother 's checking account after she died this summer. There were many discrepancies with her Wells Fargo checking account, including forged checks written while she was in a XXXX   and after she died. I notified the bank about the problem, especially when the checking account became overdrawn after her death. 

Wells Fargo refused to prosecute over the forged charges, even though we have a strong suspect. Wells Fargo decided to close the account without notifying me, although I am the Successor Trustee and had changed the documents the bank gave me, so all correspondence would be sent to me. My XXXX Wells Fargo branch banker had assured me that all communication was to be directed to me because we had changed the information. However, on XX/XX/XXXX, there was a breach of confidentiality. Wells Fargo sent the statement to another person notifying them of the closing of this checking account. I never received the information, until my attorney asked for bank statements, and I went back to the branch and saw that the checking account was closed, with notification going to a person who had no authority to receive this notification. Because Wells Fargo did not give me the proper and legal communication, it cost me higher legal bills with my attorney as we are trying to settle my mother 's estate. 
I asked my local banker what could be done about this breach of confidentiality, and he just shrugged his shoulders and said, " Not much. '' I would like to see Wells Fargo take responsibility for not following through with my complaints about the forged checks and then rectify this violation of confidentiality.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CL Holdings LLC (VA)

I purchased a XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX XXXX in XXXX Virginia. The vehicle was financed by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ). In XXXX of XXXX XXXX went out of business. It is my understanding that the loan was transferred to XXXX XXXX XXXX XXXX ( XXXX ). All of my information with XXXX  was current including my payments. I have attempted to contact XXXX  by phone and e-mail with little success. I got no response to my email to XXXX. My phone calls were redirected and then disconnected. I was told that they did not have me in their system. 

My title still lists XXXX as the lien holder. My vehicle is listed as repossessed on my credit report. I still have my vehicle. I have not made payments to XXXX  because it indicated that I did not have a loan with the company. They have not sent me any information and have not responded to my inquiries. 

I am an XXXX XXXX on XXXX XXXX with the United States XXXX and my credit report can impact my job. I wanted a new vehicle and could have traded in my XXXX if I could have cleared the loan. The confusion on the lien holder and the fact that the vehicle was listed as repossessed on my credit report meant that I was stuck with it. 
I was also concerned that someone would come and take the XXXX and I would have no way to get to work. I have purchased another vehicle. I could sell the XXXX if I had title or knew who I should pay to pay off the vehicle. Currently my ability to do anything financial is limited.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (AR)

OnXX/XX/XXXX XXXX garden used my card twice for XXXX. They refunded one and cancelled the other purchase for the inconvenience. The problem was there was a XXXX dollar purchase from XXXX. The manager there and I called AMX bluebird together to get this resolved. She gave them all the transaction ID numbers stated that there was no XXXX dollar purchase. When I filed with the bank I told them this was fraud and I would like to use my fraud protection. They argued that since I had previous gave them my info for a room it was not fraud. I told them I didn't understand I never gave permission for a XXXX dollar purchase. They said I could file for an investigation so I did on XX/XX/19. I called and checked on status and asked if I could file for my fraud protection now and they said I requested a refund and did not file fraud. I am currently on hold with them for over XXXX because I asked to speak to supervisor.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The following Financial Companies reported late payments to the three reporting credit agencies on my XXXX XXXX, Capital one, and XXXX XXXX XXXX XXXX XXXX  of Maryland Accounts. Before they made the report, I called to negotiate with them that I was going through financial hardship due to a medial XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my medical XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The companies and late payments is as follows : XXXX XXXX XXXX XXXX 60 days late All 3 report Agencies XXXX XXXX 30 days late All 3 report Agencies Capital On XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 60 Days Late All 3 report XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX 30 Days Late All 3 report Agencies XX/XX/XXXX. 60 Days Late All 3 report Agencies XXXX XXXX 90 Days Late All 3 report Agencies XXXX XXXX 120 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX 30 Days Late All 3 report Agencies XXXX XXXX  60 days Late All 3 report Agencies
Consumer complaint received 2020-03-15
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)

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TN)

Initiated a balance transfer from another account to Wells Fargo and made timely payments during the promotional period. 15 days before the expiration of the promotional period I called in to pay 100 % of the balance off before the promotional period expires and interest is charged. Three levels of customer service confirmed with me that I could not pay off a specific promotional balance because their system did not allow for payments to be applied to specific promotional balances ( I had two ). Further, I was repeatedly told that though my statements say the promotional interest rate expires on XX/XX/2020, it didn't really expire until the end of the billing cycle, or XX/XX/2020. I was told this is actually how Wells Fargo does this, but yet, I had nothing in writing to back up their statements. I was told to call in after the close of the billing cycle and as assured on the phone I would not be charged interest until after the close of the billing cycle. Three issues : 1. Zero ability to pay off the promotional balance separately, and, 2. I had zero documentation reported to me on how my payments would be applied, because my thought is they would be applied to the balance expiring first, and, 3. I had zero documentation reported to me on their purported actual date the promotional  interest rate actually expires. 

I want to pay what I owe and have it paid before I am charged interest, yet, this does not seem possible.
Consumer complaint received 2020-01-11
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: DISCOVER BANK (NC)

Account from Discover with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TN)

Company - XXXX XXXX/XXXX XXXX XXXX - original acct # XXXX was paid by auto payment. XXXX XXXX switched to a new acct # XXXX and billed for the same thing again - double billing. I called XXXX XXXX on XXXX at XXXX and spoke to XXXX who said she could not assist that I had to call XXXX. So, at XXXX I was speaking to XXXX who was finally able to speak with me AFTER a passcode was created. She advised about an early cancellation fee that I finally agreed to after you refused to waive even though it was because of death ( thank you so much for your consideration by the way ). She removed auto-pay and said they would bill for {$150.00} after XXXX minutes on the phone ( order # XXXX ). Another call at XXXX on XXXX, XXXX states the account is still active and open so he transferred to the cancellation department from which I was disconnected after XXXX mins. XXXX, I was speaking to XXXX after being on hold for XXXX mins. He said to disregard the bill that he spoke with XXXX and I owe nothing. XX/XX/XXXX, direct chat with XXXX XXXX and XXXX XXXX, XXXX states that he would fix. 

XXXX XXXX then sent me to collections with Credence Resource Management. Credence NEVER contacted me that I was no in collections - I only found out because of an alert. I sent them proof that I did not owe. They in turn did nothing but send to XXXX XXXX who stated it was owed. Credence then reported me to XXXX XXXX. I sent them proof that the debt was not owed and all they did was send the dispute to Credence who stated it was owed. Neither Credence nor XXXX  did due diligence in this problem. I did speak to an attorney who didn't recommend paying but I was concerned they would start hounding me through work so I paid. I have waited patiently for both to do the right thing and both refuse. 

On the documents that I have attached, you will see they auto deducted and then billed again. When they created the new account #, they changed the billing months by a few days.
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

I was charged for a piece of equipment from my former cell phone company that I returned via XXXX. I received a bill for the piece of equipment on XX/XX/19 and contacted the company advising that I would be returning the equipment that weekend and to please note my account. I was told that my account would be noted and that my account would be credited to reflect a XXXX balance when the equipment was received. The equipment was received by XXXX on XX/XX/19 at XXXX XXXX I received a letter from a debt collection agency dated XX/XX/19. This debt was not even 30 days old and was turned over to collections and now the original cell phone company AND the collection company fail and refuse to reflect a XXXX  balance on my account although they HAVE received the equipment and confirm that they have received the equipment. This should NEVER have been turned over to collection as the alleged debt was NOT in excess of 30 days in arrears AND I had already contacted XXXX and advised that the equipment would be returned. In fact, XXXX is the one who provided the XXXX shipping label.
Consumer complaint received 2020-01-10
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: STATE FARM BANK, FSB (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-11
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: EQUIFAX, INC. (GA)

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX   XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.
Consumer complaint received 2020-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I tried to set up bi-weekly mortgage payments in an attempt to make an extra mortgage payment per year. The mortgage company is denying me this option unless I pay a full mortgage payment up front. Please see response below : PennyMac offers a bi-weekly payment service, where the equivalent of 13 payments are made within a 12 month period and to be eligible for this program, you must be paid one month ahead. You can also achieve the same result of having 13 payments applied to your account annually by having automatic monthly payments drafted as opposed to bi-weekly payments and having 1/12th of your monthly payment drafted as a principal curtailment. If you still wish to enroll in the bi-weekly program, please contact our Customer Service Department at ( XXXX ) XXXX for enrollment. '' But the odd thing is they say I can do it using my bank 's bill pay. I am unsure on why they are ok with me doing it on my bank 's site but they do not allow you to set up bi-weekly payments i.e if I pay XXXX 's payment on XX/XX/15 and XXXX I'm actually ahead by half a payment aren't I?