davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

2nd complaint. I have had my capital one credit card for several years and my son has been an authorized user on the account ( he is a minor ) Per capital one credit card agreement he meets the age requirements to be a user, I recently added additional authorized users. Upon doing so ALL MY CARDS WERE RESTRICTED, because they wanted the PHOTO ID and SS CARDS to all at the same time otherwise the card would remain restricted.. I was able to obtain all information from all authorized users except one. My brother travels and does not carry his sscard with him. ( per the SSA recommendations and all credit bureaus, consumers should not travel with or keep this in their wallets, etc ) After I have received all information from all parties, they are requesting that my son has a government ID. He is a Student. He does not drive, and in TEXAS it is not a requirement that he has a government issued ID, at his age. Capital One has blocked me from using my own cards. I understand if aall the authorized users are not allowed to use the cards. However, Capital One does not allow me to remove any authorized user that placed on the account. I.E if one of the authorized users decided that they did not want to provide capital one with this sensitive information ... CAPITAL ONE informed me that my card ( Primary Users CARD ) WOULD HAVE remained BLOCKED! THis process is ridiculous and needs to be streamlined to make sense. THere was also no warning prior too. If I was aware that this information would have been needed I would attained all information prior. To ensure a streamlined process. I would have NEVER wanted my card to be restrictedor my son to be embarrassed while trying to get food on the day the card was restricted without NOTICE. THERE was no email, call, text or automated call sent. Although I receive a daily summary of my balance via email each day. They also do not honor your automatic payments when they account is restricted. i was charged a late fee because they failed to inform me that they would not draft the payment from my account for the minimum amount due when the account is restricted. I have talked to Capital One and they claim they have talked to other financial companies that have the same process. The fact. Other compnaies request the inoformation prior to sending out the cards and they inform the Primary card holder during the process of adding the Authorized user and or the call /email with information and a time frame ..i.e 72 hours to provide documents before request is cancelled.. However the Primary card holder is not restricted unless they are the party in question. please assist me in this process. I have been on the ph today 96 min trying to get an answer regarding my sons required docs and there is nothing written in the Capital One by laws that state this information.
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX  prepaid card was purchased at local corner store. My desired amount was placed in card. After total use of balance the card was thrown out. XXXX XXXX  sent me in this collection process. They can not be paid back based on info provided on my credit score.
Consumer complaint received 2019-01-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I applied for a renewal of my income based repayment for my federal loans. For the last number of years I have made the same payment of about {$770.00} for my consolidated federal loans. This was full repayment mode. I received income based repayment for XX/XX/2018 for $ XXXX  monthly. Now that my plan has expired my payments went up to {$1600.00}. I don't understand why it would double ... Ive never paid that amount. I was on full payment plan, not graduated payments I do not understand why the payment would be so much. 
When I called to ask, I could not get an answer. I did the application and I still need to provide another document for my application. 
But why would my payment double?
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

Dear Sir/Madam, On XX/XX/2018, I deposited a check number XXXX drawn on XXXX XXXX XXXX XXXX valuing {$4000.00} in my Chase checking account number ending in XXXX. I used Chase Bank ATM located at XXXX XXXX XXXX, XXXX NY. The check was accepted and I was informed that the funds will be available in my account on XX/XX/2018. I reside in XXXX, XXXX and had a scheduled flight from NY to XXXX. I returned to XXXX on XX/XX/2018. Later, I found that the check was not accepted due to ATM/deposit Error. In an effort to resolve the issue, I contacted Chase Bank via phone multiple times. The call center representatives came up with contradictory information every time. The details of my telephonic correspondence with chase is presented in an attached table. 

Finally, I traveled to New York on XX/XX/2018 to resolve this problem. I visited Chase Bank branch in the XXXX and personally met a banker on XX/XX/2018 to get a clearer picture. Even the banker in the branch was unable to help me and was astonished that they are unable to trace the original check. They suggested sending a copy of the check to the address of the party who wrote the check ( address was printed on the check ). I was informed that I shall have to wait 8-days for the check to be delivered to that address in NY. According to the banker, I must have received the copy of the check and updates about the problem much earlier. But even after the passage of around 3-weeks, the fate of this transaction in unknown. 

This ATM error and further mismanagement due to false and contradictory information presented by Chase Bank call centers has caused me a lot of mental and financial distress. I had to put my payments on hold resulting in accrued late payment fines from the creditors as well as loss of trust. It will also negatively impact my credit score. I had to travel to NY at the recommendation of the Chase Call Center representatives and the banker in the Chase Branch. And I am adding to my costs by staying in NY and waiting to receive updates from Chase. I request that either the check be returned to me promptly, or the amount be deposited in my account immediately. Further, I demand Chase Bank to compensate me for the financial and mental distress caused by their mishandling of the transaction as well as reimburse me for my stay in NY and travel between New York and XXXX. 

Thank you for your kind considerations.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

There were 3 transactions, 2 of {$600.00} and 1 of {$500.00} that were withdrawn from my account using XXXX. When I contacted my bank, they restricted my accounts and access to my online accounts, and canceled my card. Then they transferred my call to the XXXX department, and apparently a claim was filed, but they told me that since I supposedly authorized these transactions they couldnt do anything about the money I had lost. They then told me to try and request money back from the recipient, but how am I supposed to request money from someone who I didnt know and whose phone number/XXXX   information wasnt available to me?? The person who I had supposedly sent money to went by the name of XXXX as said on my XXXX app, but there was no phone number or account info to request money back from.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/XXXX ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP
Consumer complaint received 2019-01-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I'm writing mainly to let CFPB know how blatantly and maliciously Wells Fargo lied to CFPB in their response to my complaint # XXXX. 

I had not really paid attention to Wells Fargo 's late response as so many other things involving them were going on but it lied by reporting : 1. That I had no legal appeal rights when it knew that my appeal had been pending over a year and a half when it wrote what it did. Having forced me into probate court, I appealed immediately after it did not honor it's promise that it would proceed with modification and assumption after it received testamentary letters. The Tennessee Court of appeals found that my husband 's will was valid on XX/XX/XXXX. 

2. It knowing lied that there had been a public administrator appointed to the probate matter it forced me into after I withdrew as administrator. It had the direct denial of being the administrator from the lawyer it claimed was the administrator long before it stated that untruth in response to my complaint. 

3. It intentionally mislead by not revealing that it was responsible for me being in the probate court in the first place under the treat of not lifting a pending foreclosure sale and providing another HAMP application. 

4. It also denied the rights under state law regarding the vesting of real property ownership. It too did not say in its response that I was the record owner of the property in both my county and city records by virtue of Tennessee law when it coerced me to probate my husband 's will knowing that I did not have the funds to waste on lawyers and there were no assets other than my home from which to satisfy the statutory fees allowed in the probate process and are unavoidable because an individual can not represent the estate that is created upon filing the will. 

5. Wells Fargo did not disclose that I was 10 months into a TPP plan when it responded which less than a month after its responded to the CFPB claimed that my husband 's mortgage was not assumable providing no explanation why. 

I'm sure I not the only one but I am one who has navigated through Wells Fargo 's antics and deceit and am still in my home and now in federal court. By the way, my husband died XX/XX/XXXX which represents the time I've tried to assume the mortgage on my home.
Consumer complaint received 2023-06-23
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. (MD)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-12-27
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. (NY)

I have been making on time payments with XXXX XXXX and it showing on all three bureaus experian, XXXX  and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
Consumer complaint received 2021-03-07
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequoia Financial Services (CA)

Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$1000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that XXXX XXXX has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, XXXX has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. XXXX XXXX has violated laws in trying to collect a debt.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

American Express ( the company ) has repeatedly refused to resolve a dispute in my favor in spite of extensive evidence being provided to them. The charge in question is for {$1300.00} which was charged on XX/XX/2018. The purchase was a non-refundable airline ticket. This ticket was canceled with the merchant on the XXXX in accordance with DOT regulations and was made more than 7 days prior to departure. In spite of providing this evidence and evidence from the merchant 's website and the full Department of Transportation 's regulation but the company has refused to resolve in my favor. They declined my dispute and stated, " the ticket was non-refundable ''. After providing further evidence that the ticket was due a refund, they have changed their story stating the ticket was not canceled within 24 hours. This unfair practice violates UDAAP. After calling the merchant and stating the call was being recorded, they acknowledge asked for the electronic ticket number and agreed that the ticket had been canceled within 24 hours and was due a refund. The company refused to accept this evidence and has continued to deny my claim.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

On XX/XX/2018 I purchased a new Vehicle from  XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted XXXX, Equifax and XXXX  and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

I received student loans with the understanding that my loan would be forgiven after completing 5 consecutive years of XXXX  as a highly qualified XXXX, in a XXXX XXXX XXXX, and in a needed subject area. I have completed these requirements during the last five XXXX   years. Navient fails to recognize my last year of XXXX  stating that the XXXX  in which I XXXX was not a XXXX XXXX XXXX. I have explained to Navient that the XXXX  in which I taught in the XX/XX/XXXX-XX/XX/XXXX XXXX  year was recognized as a XXXX XXXX XXXX when I signed my contract in XX/XX/XXXX. It is my understanding that a 90 day attendance count is used to determine the eligibility of a XXXX  to be considered a XXXX XXXX XXXX for the current XXXX  year. At the 90 day period, the XXXX  where I XXXX  for my fifth consecutive year was not at the XXXX XXXX XXXX level. I attempted to file my request for loan forgiveness with Navient on three separate occasions. The first two times the paper work was rejected due to clerical errors. On my third attempt, Navient informed me that my last year of XXXX did not qualify because the XXXX  was not listed on the Federal list of XXXX XXXX XXXX. I attempted to explain this to Navient loan officials to no avail. The loan is now in forbearance until this matter is settled. I feel that I have complied with the terms of the provisions of loan forgiveness as stated to me when I graduated.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a secured credit card with Capital one in XXXX of 2016. At the time that I opened the card I was told that a security deposit was required as collateral for the secured line and that I would be reimbursed the initial deposit and be able to keep the same account once I graduated to the unsecured card. I deposited {$200.00} and received a line of {$400.00}. I called sometime last year to inquire about a {$200.00} line increase that I got taking my line to a balance of {$600.00} and was told that my card was upgraded to an unsecured credit card due to having qualifying credit. At that time I asked whether I would be able to recieve the deposit that I initially put down and was told that I would not be able to but would recieve a notification by email when I would be able to. Today, a year later from that time I called again regarding being able to get my money back. My call was escalated to a manager who told me that In order for me to recieve my security deposit back I would have to close the card and I would NOT be eligible for future credit lines with the company ( despite having qualifying credit ). So not only did I recieve erroneous information at athe time of application but rather than finding a favourable resolution, I was told that my account would have to be closed with no options for future business despite having a good credit score. The most concerning part of this situation for me is that if I close the account it would have a negative impact on my credit score. I would have never opened the credit line had I known that I would have to close the account and risk having it impact my score as well as recieve my money back, had I known that that was the case.
Consumer complaint received 2018-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I had to take a helicopter flight because I had a medical situation. At the time I had insurance so there is no way it can be for {$42000.00}. I am happy to resolve this at a much smaller amount but {$42000.00} is completely unreasonable especially since I had insurance and had a max deductible and max out of pocket cost of {$10000.00}. I tried to have them look into this to correct it and they say the debt is valid. I am not questioning the validity of the debt, but the cost of it since my insurance protects me for out of pocket cost above a certain amount. I want them to adjust it correctly based on my out of pocket costs, or remove it completely from my credit report.