davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has not been managing my escrow account. I had a increase in taxes for my land and they never increase my payment amount, plus my when the school taxes change again they probably wont change my payment again. This company should not be managing my loan period. They can't even manage a escrow account.
Consumer complaint received 2020-09-03
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. (FL)

After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did ) and have been going in a big circle with trying to get theses unauthorized inquiries off.
Consumer complaint received 2020-11-02
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 — Problem with personal statement of dispute
Company: LoanCare, LLC (CA)

XX/XX/2020 went into the auto-pay system ( online ) to increase the principle payment on our mortgage amount due. Somehow this altered the date the payment is processed and we received a late payment notice from the lender. We immediately called in and explained what we had done online to the customer service person. She agreed that it should not have happened and waived our late fee. She stated that it was a " Auto-Pay '' system issue and that she had fixed the issue with our account and we should be fine moving forward. The next month it happened again. We called in and again the customer service person stated it was a " Auto-Pay '' system issue, said she fixed the issue and again waived the late fee. 
This happened again for the month of XXXX ( we were not aware ) until a few weeks later. Again we called and made the payment. ( at this pont we opted out of the " Auto-Pay '' and now manually make our payments online thru the lender 's website ). The lender went ahead and reported us to the credit reporting companies as being delinquent on our XXXX payment. I sent a letter to LoanCare explaining what had happened in detail asking to remove the delinquency notice they had sent. They responded since we were delinquent, they would NOT make any correction. ( even though, their own representatives stated it was a system issue and NOT a failure on our part. ) We have NEVER been late since we opened this account and have always used the " Auto-Pay '' system they offered.

They did apologize for any inconvenience or frustrations. During this exasperating experience, my wife and myself ( on two different occasions ), were told that a manager would call us to speak with us about the issue we were having. Both times they NEVER called us back.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

I was issued a US Bank Relia Card several weeks ago with a $ XXXXn balance. Two weeks later there was a balance listed on the card, I then activated the card. Today XX/XX/2020 I attempted to use the card at both an ATM machine and a credit union. The card was rejected/declined both times. I have been trying to call the company all day and the wait time lasts for hours or the system will disconnect you so that the call can not be successfully completed.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, Chase notified me that all my Chase accounts will be closed on XX/XX/XXXX. They refuse to explain why they made this decision both via phone and personally in the branch. I am very confused, as I believe I have done everything according to the rules, and even if they close my accounts I would like to understand the situation and learn from this lesson to prevent it happening in the future. 

I am a XXXX citizen, and engaged with US banking first in XXXX when relocating to the XXXX. I have been constantly employed ever since, and my employer deposited over 300.000 USD to my Chase XXXX Checking account. My credit score improved a lot as well over the years, going from low 600s to 750+, I have never had a late payment and my credit utilization is XXXX % on average. 

I have recently received a credit limit increase and also a salary increase, so I really do not understand why they decided to close my accounts. 

I would appreciate any help! 
Thank you
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC (NJ)

Based on my previous letter dated XX/XX/XXXX, the District Director of Operations of TitleMax called me and informed me that a ) the vehicle was in excellent condition and that they could sell it at auction to recover the amount owed or b ) they would accept my offer to pay {$7100.00} to return the vehicle to me. Based on this discussion, I agreed to option b. 

1. On XX/XX/XXXX, I made the payment in person to TitleMaxs XXXX store. TitleMax representative, XXXX XXXX XXXX signed the release agreement. 
2. I picked up the vehicle from XXXX XXXX XXXX in XXXX, NJ where TitleMax had sent the vehicle for auction. I observed them move the vehicle from the lot to the parking lot using a forklift despite me having the keys to the vehicle. 
3. On XX/XX/XXXX, I took the vehicle to XXXX of XXXX for scheduled maintenance. They informed me that the vehicle had been damaged due to improper towing. Both front and rear control arms are damaged due to the forklift or the original towing company mishandling the vehicle. An exhaust bracket is also damaged and needs repair. The damage assessment and estimated cost is attached. This damage has caused abnormal wear and tear on the tires. 
4. There is also minor damage in the trunk and front driver door area where TitleMax or its agents attempted to open the vehicle upon repossession. 

I contacted Titlemax in writing on XX/XX/XXXX and XX/XX/XXXX to ask them to pay for repairs. As per their reply dated XX/XX/XXXX Titlemax agreed to pay XXXX of XXXX the sum of {$1000.00} to repair these damages. 

However, despite repeated attempts to contact their store in XXXX  to arrange to sign the release documents I was told that no such arrangement to make payment had been made. 

I then contacted them in XX/XX/XXXX and again in XX/XX/XXXX and they replied on XX/XX/XXXX and asked me again to visit their store in XXXX  ( 3hrs from me ) by XX/XX/XXXX. Covid-19 lockdown started on XX/XX/XXXX in XXXX  and I doubt their store is even open. No one answers the phone there. Nor does the Regional Manager, XXXX XXXX answer. 

I have written to them on XX/XX/XXXX and XX/XX/XXXX asking them to send me the release documents via mail or electronically for signature but they have not responded.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Mr Cooper started an escrow account for our homeowners insurance without our asking. They wanted to hold up our refinance because they say we owe them money they paid on our homeowners insurance. We paid our mortgage & homeowners insurance on time for our entire mortgage, but out of nowhere they decided to add an escrow account which we never asked for. I spent over 2hrs on the phone with Mr Cooper on XXXX, from XXXX to past XXXX. I spoke with XXXX, XXXX, & XXXX XXXX ( XXXX ) among others, & got our title company on the phone to talk to them. I talked to XXXX, who said they received payment from my wife for our insurance, but had not received payment from Mr Cooper ; they could not reimburse us or make us whole for money they had not received. My conversation with Mr Cooper ended after 2hrs 55mins while waiting for a supervisor from the dept which paid the insurance without asking. Mr Cooper was never able to tell me the Name of who decided to pay the insurance without our asking ; there seemed to be no real accountability for this decision made inside their company. 
at the end of the call, we had to pay them 1,465.88 $ for the insurance and some interest they added to the account ; XXXX XXXX XXXX acknowledged that I was being charged on the basis of a mistake which Mr Cooper made by paying the insurance, not through any mistake of my own. If we hadn't paid, they would have held up the Refi, & we wouldn't have got the rate we had set up. I am now waiting for a supervisor from Mr Cooper to call me back.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

on XX/XX/20 I initiated a chat with Verizon to find out about the promotion on the Verizon Visa. The agent clearly stated " That is correct! {$10.00} Verizon visa card discount will be applied on top of your {$10.00} auto pay discount. '' and the screenshot of the chat with the chat ID is attached. Now that I have made the decision to apply for the card and was approved, Verizon has told me that the agent lied and that there is no promo. The promo actually does not even exist, and never existed. They used this false information to persuade me to apply and the whole thing was a lie. Applying for credit negatively impacts your credit score. Also, if I cancel the card, it will again negatively impact my credit score. So as a result of their false information I am stuck with a card, that they do not intend to honor the promotion provided by the agent. I called customer service and had my issue escalated to their management team, who told me that they have seen multiple issues like this recently. So it seems that there is an entire class of people who have been convinced to apply for credit under false pretenses. This is absolutely astonishing and should be stopped immediately. There has been no resolution provided other than they are sorry the rep lied. This is not acceptable.
Consumer complaint received 2020-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a minor period of time in XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 16 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX -- [ 32 months ] 4 ) 501 ( c ) ( 3 ) - XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX, XXXX-Present [ 12 months ] I have worked for qualifying institutions for a total of 84 ( 24+16+32+12 ) months as of today, XX/XX/XXXX. I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income-based repayment plan. I have recertified my payment plan each year on time. 

However, for some unclear reason, the US Dept of Education made my loans go into an improper and unrequested administrative forbearance in and around the winter of XXXX, for payment months XX/XX/XXXX and XX/XX/XXXX ( statement attached ). I have requested a formal review by a supervisor at the US Dept of Education twice and filed a CFPB complaint ( attached ) in XX/XX/XXXX, and the issue of the improper forbearance my loan servicer ( XXXX ) put my loans in is still not resolved ( please see attached PDF of FedLoan Servicing stating the months of XX/XX/XXXX and XX/XX/XXXX are non-qualifying because of an administrative forebarance ). 

Please note during the time they placed me into an unrequested and unauthorized administrative forbearance my payment amount was {$0.00} ( XXXX ) because my income was extremely low, specifically because I was serving as an XXXX XXXX. This position 's salary was set by the federal government of the United State 's agency, the Corporation for National and Community Service. Therefore, my payment amount of {$0.00} in XX/XX/XXXX and XX/XX/XXXX should qualify and would qualify for PSLF 's 120 payments if not for the improper handling of the loan servicer at issue, XXXX. 

Thank you for your time and kind attention. Please help resolve this issue.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (NC)

On XX/XX/2020, I contacted Grant & Weber, a collection agency, regarding a debt owed to XXXX XXXX XXXX XXXX for a personal loan. I negotiated a settlement with Grant Weber and paid the amount immediately. Grant Weber sent a settlement paid in full letter to confirm the debt was paid. They updated my credit report with inaccurate information 1 ) That my payment made was {$240.00}, I paid over {$500.00}. 2 ) That I have a remaining balance.
Consumer complaint received 2020-11-02
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: U.S. BANCORP (CA)

Upon checking my consumer credit reports on XX/XX/2020, I discovered that my Comerica Visa account XXXX Account was marked with a 30-day late payment on all major credit bureaus for the month of XX/XX/2020. I immediately contacted Elan Financial to speak with their representatives on the matter and was told I had to write a letter to their credit dispute department. My account was current for XX/XX/2020, I also placed my account in a deferment to avoid any further impacts to my credit during COVID-19. I disputed the 30-day late information in a letter written and mailed directly to the Data Furnisher Comerica Visa account XXXX on XX/XX/2020 to address my concerns. I discovered that my Comerica Visa account XXXX account was notated with the AW - Natural or Declared Disaster Code with all major credit bureaus as a result of COVID-19. Upon the code being added, the negative information on my account. I immediately called Comerica customer service back to ask what the code meant and how it would impact my credit because I was confused by what was happening. I was told by Comerica customer service that my account would not be impacted and it was a notation only because I had deferred my account payments. At this point I thought my dispute had been resolved and everything was fine, meanwhile I did not know my rights were being violated. In response to my credit dispute letter, Comerica customer service explained that they understood I was having difficulty. Meanwhile, my credit score dropped 45 points and my Comerica Visa account XXXX account reverted back to a negative status leaving me even more confused as to what was going on. At this point I managed to do a significant amount of research on my consumer protection rights and realized that my rights had been violated. And according to the [ Consumer Data Industry Association Credit Reporting Resource Guide FAQ 58 ], reporting on an account affected by a Natural or Declared Disaster should not have any record of delinquency or negative information reported during the period of which a Natural or Declared Disaster exists.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I didnt want the dispute for {$500.00} to be opened up with Citibank in the first place and I was giving a temporary credit of {$500.00} and I dont have the money or used due to multiple fraudulent charges on my Citibank account ending XXXX and I called in the middle of XXXX not XX/XX/XXXX to close the dispute out and I was told by the supervisor of Citibank it will go back to the merchant which is XXXX XXXX XXXX ... this dispute was open in a error on Citibank end and I never wanted this dispute to begin in the first place and Citibank rebilled me for this charge in the amount of {$500.00} on to my checking account ending in XXXX and holding me liable for it But didnt return the money back to the merchant since they have try to challenge the dispute and I didnt open this dispute with XXXX XXXX XXXX at all
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Around XX/XX/XXXX, we received a call from wells fargo claiming that our business account was taken over and someone withdrawn a couple thousands of dollars. The man on the phone said he could start the process of refunding the money to us and start the investigation. He asked us questions and gave us options to choose from, the last four of our social, and then told us he was going to send a text with a code to verify it was us. We answered all the right questions and he said he deactivated our cards and new ones would be sent to us overnight. We were thankful that wells fargo took action and notified us but this wasn't the case. The following morning I logged in and notice that our business account and personal account both had withdrawals. So I decided to call to verify they were taking care of both accounts instead of just one. When I called, they asked literally the same questions as the previous phone call the night prior. the wells fargo lady told me that there was no fraud investigation our our accounts and no notes have been made. She insisted and asked more questions but I hung up and went directly to a branch. At the bank they stated that they cant do anything by investigating who took our money because it would be too difficult and that it would be best to close the account and start a new one. They said they could continue the account number for 60 days and a new account number would take over. What they didn't mention was that anything over 300 dollar transaction was immediately denied. I made my mortgage payment and they denied it. I had no idea that my mortgage did not go thru and on the 15 day after the mortgage is due, its consider late and a hit on our record. I tried to ask for them to notify our mortgage and let them know it wasn't our fault and we had the funds in our account but they said they couldn't do anything. I'm frustrated with how wells fargo handled the situation in the fact that they denied the mortgage payment even though its a reoccurrence every month and they wont take responsibility for our credit hit.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

I made a purchase at Home Depot using the Home Depot credit card in XXXX and paid the bill in full online before the XX/XX/2020 statement closing date. Home Depot did not send to me the XX/XX/2020 credit card statement. I asked Home Depot to mail or provide an electronic credit card statement for my records but they said that they do not generate a credit card statement when the balance is XXXX  even if the account had activity during the period. I need the statement for my tax records and for proof that I paid the bill. Other credit card companies provide a statement for any statement period with activity.