davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (KS)

I am the executor of my father 's estate. My father in law died of XXXX  in XXXX ; my father died in XXXX. I am managing both of their estates. 

I am in the process of selling my father 's house. The title company asked for a payoff statement from Wells Fargo. On it is a charge for {$2100.00} for insurance. 

I can only surmise this charge is there because I was late in paying my fathers XXXX XXXX homeowners policy for {$270.00} due to the delay in mail forwarding from Pennsylvania to my home in Kansas. The policy was paid in full on XX/XX/XXXX and was registered on Wells Fargo website by me on XX/XX/XXXX per their instructions in a letter to my deceased father. 

How can Wells Fargo ask for {$2100.00} for a {$270.00} homeowners policy and possibly delay the sale of this property based on their inability to read their own systems?
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (AE)

On XXXX, I called Penfed Federal Credit Union to activate my Cash Rewards Credit card that I had received in the mail, but had not used as of yet. I am XXXX XXXX military XXXX overseas.

After trying to navigate their automated menu twice and getting routed to their main menu each time, I tried to get a live agent on the phone.

After a 25 minute wait, I got an individual who kept me on hold but was an interlocutor with another department trying to get the card activated. After six more minutes and not acknowledging at all the excessive wait for a simple procedure such as activating a card, I was told that I had to call in with my number on file to activate the card. 

I explained again that since I was overseas and can not use my phone to make calls, but only to receive texts, and that I can only use an app such as XXXX or general phone service to call in, I couldn't do as he had asked. He simply said the agent he was speaking with couldn't fix my problem. I kept trying to tell him my situation and he simply steamrolled me not letting me finish my explanation. 

He then abruptly hung up. After such an experience with such a so-called 'military friendly ' bank, I have no recourse but to file with CFPB to report grossly abysmal customer service given the treatment and circumstances I faced trying to complete a simple task such as activating a card.
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I have to have annual XXXX XXXX performed at XXXX XXXX XXXX XXXX. 
I am billed directly by XXXX XXXX and pay promptly each time. Since XXXX 2017 I have been harassed by a local attorney 's office that claims I owe {$12.00} to XXXX XXXX. 
I have called the law office and explained I do not owe anything and this is paid in full, provided proof of payment and even had XXXX XXXX XXXX partner XXXX XXXX 's hospital where the XXXX is done verify that I do not owe anything. XXXX XXXX 's has even provided me with a a letter saying my account is current and in good standing - which I have sent to this law firm as well. 
They simply do n't stop. 
So I am filing complaints here, and with the BBB.
Consumer complaint received 2022-04-02
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. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NC)

In my particular case, I was attempting to schedule a student loan payment to WELLS FARGO via their website so I could leave town &  know my bills were paid. Since XX/XX/2011 I have never been allowed to schedule the payment nor has it ever been late. Whatever day I went to their website was the day the payment would be pulled from my account. Today I decided to contact them and ask why I wasn't permitted to schedule the payment instead of same day pull of payment. The only explanation that I received was that WELLS FARGO doesn't permit the scheduling in advance of a student loan payment. Basically there is no real reason other than " because I said so '' from WELLS FARGO. I was told that I had to either do auto draft or log in on the day I wished to pay. This information was provided to me by their technical support team because there was confusion on the part of the customer service rep that first attempted to assist me. Even the technical support lady couldn't understand why I wasn't allowed to schedule a payment. Again, I have never been late on this payment - ever. My call was transferred back to the student loan dept and the supervisor basically said that this is how WELLS FARGO set up my student loan. With today 's technology, I should have the ability to schedule the payment to WELLS FARGO.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A store credit card for Neiman Marcus capital one was opened on XX/XX/XXXX. Two transactions occurred. The first attempt at XXXX for {$1000.00} that was declined. Second attempt at XXXX for {$1000.00} that went through and cleared. I was notified by XXXX on XX/XX/XXXX a hard inquire was reported on my account. On XX/XX/XXXX, I received a text from CapitolOne a Neiman Marcus credit will arrive on XX/XX/XXXX. I called CapitolOne immediately and was transferred to the fraud department. The fraud department closed the account and state I will get more information once the investigation is completed. I then called Neiman Marcus to report it and I was informed to contact CapitolOne. I called CapitolOne and was given the time, amount, date, and store location. The store location given Neiman Marcus XXXX XXXX XXXX On Monday, XX/XX/XXXX I went to Neiman Marcus in XXXXXXXX XXXX I spoke to a manager about exchanged numbers to receive updates and was informed to contact the police. I went to the XXXX police department and filed a report. I informed the police assisting me it could possibly be an ex that has a history of committing fraud and identity theft. The officer asked for the ex boyfriend name which is XXXX XXXX, birthday XX/XX/XXXX, number XXXX ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX XXXXXXXX XXXX United States.
Consumer complaint received 2023-01-09
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. (PA)

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look XXXX has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2021-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

In XXXX I mailed a POA form for my mother 's IRA account at OneWest Bank. They are owned by CIT bank. I also sent the same POA to CIT bank and numerous other FIs. CIT made the change to acknowledge the POA as did the other FIs. 

One West Bank sent a letter to the address I asked the account to be changed to via the POA stating they could not do that because I did not complete their POA form. However, the legal POA form I provided contains all of the same elements and a notary certification. My mother, who has XXXX  and is XXXX, should not be required to complete another POA simply for their convenience on the form. Today ( XX/XX/21 ) I spent 45 minutes on the phone with the One West representative and the supervisor asking for an accommodation. They informed me that only their form can be provided and they could not authorize an accommodation nor would they escalate to someone who would. It is in the middle of COVID pandemic, and it is extremely difficult to expose my mother during this time.
Consumer complaint received 2021-02-01
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. (FL)

I check my credit i notice that someone is Using my personal Information which make me very upset i did not give anyone Consent to open any Accounts using my personal Information this report is to help me I'm taking the necessaries step so this situation will be Resolved i no longer want to be a victim of Identity Theft
Consumer complaint received 2022-04-02
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. (IL)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and 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 an account without my written instructions.
Consumer complaint received 2021-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I can not open new account because of the amount of {$710.00}. before that I already called them and closing this account but all of the sudden this account went on overdrafting then leading me to to get an auto debt.Please help me!!!
Consumer complaint received 2021-02-01
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: Avant Credit Corporation (NJ)

Avant LLC is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with Avant on multiple occasions including phone, email and certified mail. Avant has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where Avant has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both Avant and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2021 my mother was served by a process server at our home. The process server told my mother that I had a court date for XX/XX/2021 at XXXX XXXX in the county court of XXXX in Colorado. The process server told my mother that I could go to jail if I didnt show up at this court date. My mother gave the documents to me on XX/XX/2021. Upon reviewing the documents I found that while they appear to be an official summons to answer and related forms, the papers are actually falsified documents. There are no case numbers, no signatures and no stamp of approval by the county clerk. In fact, the forms state plainly at the top that they are for court use only. I called the company immediately and they admitted that there is not a court date and that the petition was never filed in XXXX County but that I owed the debt of {$320.00} plus the fee to the fraudulent process server ( which they didnt know or provide the amount ) and the alleged fee for filing, which again, was not filed. I believe that this is a deceptive tactic that is disallowed under the fair debt collection practices act. The company will not return my phone calls and this why I am submitting this complaint. Please see the attached photos of the document that was served to my mother yesterday. Thank you for your time and assistance.
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-04-02
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. (KY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/21 I received mail from numerous local attorneys attempting to represent me for an action filed with a local judge. The paperwork states that midland credit is sueing me for {$1300.00}. I have disputed this account on my credit report and have no knowledge of this debt. Instead of answering this dispute with written verification, I have been threatened with a lawsuit and the information was received 3rd party. I have not been served and I have no knowledge of this debt.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, my Chase Bank debit card was stolen along with my phone and drivers license. They withdrew money from two of my accounts at two different Chase ATMs for a total of {$4000.00}. They withdrew {$1000.00} from one account and {$3000.00} from my second account. They were able to withdraw from both accounts because my debit card is linked to both accounts and they can pull up my balance for both. The transactions online have the ATM addresses on them. I called Chase to freeze my account and to open a dispute for the fraudulent charges. Chase froze and locked my account that day. I also filed a police report with the local police department and a detective is on my case. On XX/XX/2022, Chase sent temporary credit for my first account for {$1000.00}. On XXXX XXXX, Chase finished their investigation and agreed it was a fraudulent charge and let me keep the credit. On XX/XX/2022, Chase sent temporary credit for my second account for {$3000.00}. On XX/XX/2022, Chase closed the investigation and said the charges were authorized and they are taking the {$3000.00} back on or after XX/XX/2022.
Consumer complaint received 2020-06-02
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. (CO)

AGAIN I FILED A COMPLAINT AND ADVISED EQUIFAX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY EQUIFAX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''
Consumer complaint received 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In XX/XX/XXXX I refinanced my student loans with the federal gov in order to participate in the Public Service Loan Forgiveness program. Due to incorrect information and a mistake on the part of the person who assisted me I was put into the incorrect payment plan structure ( standard repayment plan ) which I only accidentally caught in XX/XX/XXXX. This denied me 9 months of the loan forgiveness program and cost nearly {$10000.00}. The payments made on the incorrect payment structure are higher than the payments made on the correct plan ( income based repayment ). I have been trying to resolve it ever since but every time it seems someone is going to  help me I never hear from them again. 

Apparently there is an appeal process but noone knows how it works and there is noone to physically speak with by me or the loan officers so there is no way I can tell if they have actually reviewed my materials or not. 

Since this time XXXX XXXX XXXX has made multiple other mistakes on my account, only caught by hypervigilance on my part due to no faith in business practices. Things such as putting my loans in deferment without my permission, Sending me a letter stating I made 154 qualifying payments ( 120 necessary for loan forgiveness ). That one was in my favor so they addressed that immediately.