davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
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. (TN)

I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXXXXXX XXXX. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a XXXX ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using XXXX . After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

Chase refused to refund the XXXX transactions as I authorized them myself. 

XXXX refused to assist me because I use their service through the chase mobile app. 
Chase does not insure the deposited check because it was a credit to my account.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

My issue started when my job lost my direct deposits information and sent me a check by mail. However, my main issue is with my bank, Wells Fargo. On XX/XX/XXXX, I recieved my paycheck for {$940.00}. I did a mobile deposit not soon after, and wells fargo gave {$400.00} up front and the rest was supposed to be deposited after the holiday on the XXXX. 

On the XXXX, I went negative - {$480.00} due to my company withholding the funds and wells fargo taking back the fronted amount given on the XXXX. In addition to two overdraft fees. Wells Fargo informed me that the rest of my amount should be available on the XX/XX/XXXX. 

Considering I would be waiting for a while to receive my income, I transfered {$390.00} from a separate savings account. This put my new negative balance at $ XXXX. 

Fortunately, I recently recieved a settlement check from my previous job at XXXX for {$1100.00}. On XX/XX/XXXX, I went to the bank to deposit the check and cover any remaining overdraft fees. I was told the check would be available the following day on the XX/XX/XXXX.

The teller at Wells Fargo informed me that I had a positive balance of {$310.00}. I proceeded to ask if any Wells Fargo staff, customer service line or banker, has managed my account and waived my overdraft fees in order for me to collect my previously deposited {$390.00}. She couldn't see any man-made adjustments, so I assumed that the balance was mine considering my previous deposits of {$390.00} and {$940.00}. 

After withdrawing {$300.00} from the original {$310.00}. I noticed that night I did not have {$12.00} dollars in my account, I became negative $ XXXX. 

Realizing, I had made a mistake I went to the bank, on XX/XX/XXXX, to deposit {$280.00} dollars. While at the bank, my check for {$1100.00} was not available. She proceeded to inform me that the check was on hold for collection issues and will be available on XX/XX/XXXX. 

I currently have {$2100.00} on hold for due to collection issues although the checks are from different banks and companies. 

I could really use help considering my next paycheck will be arriving XX/XX/XXXX. Thank you for any assistance.
Consumer complaint received 2022-07-13
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: MOHELA (CA)

IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH 6 DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, XXXX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX
Consumer complaint received 2022-07-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

This is my SECOND complaint I am filing because the first complaint was closed out unresolved! Penn Corp 's response to my first complaint mentioned a name that was not mine ( someone by the name of XXXX XXXX, which is not me ) and said they would resolve this, which they did not and have violated several of my consumer rights. 

A medical collection ( that I was never notified was going to be sent to collections ) showed up on my credit report and negatively impacted my credit. I sent out a certified debt validation letter on XX/XX/2022 to Penn Credit Corporation requesting they validate this debt, per my right under the FDCPA. Penn Credit Corporation received this letter on XX/XX/2022 ( according to the USPS tracking ) and per the FCRA they have 30 days to respond to my request from the date they receive this letter and they DID NOT respond at all. Since they did not respond, all references to this account MUST be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately, per my letter. 

Now since they IGNORED this FIRST debt validation letter. I sent them a failure to validate the debt letter on XX/XX/2022 informing them they failed to validate this debt at my request and CONTINUE to report a DISPUTED DEBT to the Credit Bureaus which is a FDCPA and FCRA violation so that's TWO VIOLATIONS. 

They had 15 days from the date of receiving my second letter to respond. They received the letter on XX/XX/2022 ( according to their SIGNED USPS receipt ) and completely ignored this SECOND letter which means I reserve the right to sue this company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from them if warranted. 

I have provided all receipts and images. 

Delete this from my credit file immediately to avoid legal action and a copy of such deletion request must be sent to me immediately, per my letter.
Consumer complaint received 2020-01-23
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: WELLS FARGO & COMPANY (CA)

Wells Fargo would not allow me to pay my loan with my XXXX XXXX account online. I tried to make the payments with checks and they never processed those. I called Wells Fargo and told them of this issue an they stated they would launch an investigation. While they were " investigating '' they said my checking account was a credit crd and then they reported delinquency on my credit report stating that I never bothered to make payments. This information is false as I had reached out to them numerous times and every person I talked to was " unable '' to help me. The missed payments is an error on their end and I should not have to bear a horrendous credit score because they refuse to correct their own mistakes.
Consumer complaint received 2022-07-13
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. (AR)

In accordance with the fair credit reporting act XXXX XXXX have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions Furthermore, as a victim of identity theft anything that I did not do is to be stricken from my credit report or I have the right to sue in state and federal court. I already have a lawyer and litigation will follow promptly
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX - purchased a mattress using promotional 12 months no interest. From XX/XX/XXXX to XX/XX/XXXX, I made additional payments XX/XX/XXXX times, ranging from {$5.00} to {$180.00} over the minimums due. Since I do paperless, I assume the additional was being applied to the promotional balance. On XX/XX/XXXX I notice that promotional balance was {$540.00}, so I went and download all statement for the promotional period. From XX/XX/XXXX to XX/XX/XXXX none of the additional was applied to my promotional. Only the XX/XX/XXXX and XX/XX/XXXX additional amounts were applied XXXX see below ). 

On XX/XX/XXXX I called and the first rep XXXX XXXX XXXX   said that " online system payment there is no way to indicate additional amount should be applied to promotional, that the customer needs to let them now to apply it. '' Nowhere on the website, statement or policy does it state that I have to inform billing that the additional payment should go to promotional balance. 

After 2 more calls, I was able to get a supervisor to apply the additional payment to the promotional balance, but only for the past 6 months. I had to pay {$270.00} instead of {$100.00} to avoid been charged {$220.00} in deferred interest. 

Citibank needs to automatically apply additional payments to the promotional balance and not require the consumer to have to contact customer service to do so. 

due paid over statement XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX
Consumer complaint received 2022-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP (FL)

My father co-signed on a series of private student loans through Key Bank when I was XX/XX/XXXX years old in XXXX. I began payment plans on these loans upon graduating college. I always paid full amount due each month and always on time. Several years later my father filed bankruptcy. I received a letter from the servicer in XX/XX/XXXX that my automatic payments would be discontinued on my behalf and that they would no longer be collecting the monthly payments from me. A year and a half or so went by and my father must have completed his bankruptcy. I was contacted by Key Bank and now suddenly my loans were due in full. This baffled me because I am a responsible financial person who has always paid every payment due from me on time and maintains an XXXX credit score typically. So I tried working with the servicer instead on setting up another payment plan. I paid a few payments as agreed, but some information they had given to me in the account numbers was incorrect and the payments were not being received in full. I tried contacting the business by phone a few times on this. Before I knew it a collection agency was calling me and harassing me. These collectors are down right rude! I ended up settling the debt in full through the collection agency in XXXX. Then in XXXX i began receiving more harassing phone calls from debt collectors once more to collect on the same debt. I let them know I had already settled the debt in full. They refused to believe me and treated me as if I was lying. So I called Key Bank myself to try to confirm. I was connected to several people at Key Bank and no one could find my loan. They insisted that they were searching their student loan data bases and I was no longer in the system. So I tried to contact the collector but could not get ahold of them. They contacted me again about XXXX months later again with harassment and accusing me of lying. Apparently they had gotten information from Key Bank that had XXXX record of my settlement. Key Bank is not organized and has wronged me in several instances in trying to collect my debt.
Consumer complaint received 2021-08-18
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-07-28
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: LEXISNEXIS (NC)

I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX XXXX credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, XXXX as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and Lexis Nexis, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.
Consumer complaint received 2022-07-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I went to buy shoes from someone who seemed verified he said he would give me a shipping label after I XXXX him XXXX dollars which is the cost of the shoes on XX/XX/25. He then blocks all communication from me and I call the bank to start a claim. Chase sends me a letter saying they wont do anything to him.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Due to financial hardship, I was unable to pay my Discover Card payment. I contacted them at one point to bring the account current as I was due an adjustment. Discover failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vengroff Williams, Inc (SC)

I received a letter from Vengroff Williams Inc., on XX/XX/2022. There is no date on the letter. According to USPS the date delivered is XX/XX/2022. 

Vengroff Williams Inc., is demanding money from me with intentions of damaging my credit scores. Vengroff Williams Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Vengroff Williams Inc., and I do not know how Vengroff Williams Inc., received my private medical information. Please be advised no consent to treat documents bare the name Vengroff Williams Inc., as Vengroff Williams Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

With proof of receipt Vengroff Williams Inc., received my validation notice via USPS mail. Vengroff Williams Inc., has been made aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Vengroff Williams Inc . 

I am not a party to any agreements that Vengroff Williams Inc., may or may not have with XXXX XXXX I am not responsible for Vengroff Williams Incs purchase / transfer from XXXX XXXX I have not agreed to pay/tender anything to Vengroff Williams Inc . 

On XX/XX/2022, XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc., mailed her/his/their/a version of an honorable reply to my validation notice. My validation notice was completely ignored. XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc provided proof of my HIPPA rights being violated. Due to the carelessness of XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc my private medical information is on display and this proves XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc violated my HIPPA rights. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Vengroff Williams Inc. At this time, I demand no further contact from any associate or authorized representative of Vengroff Williams Inc . 

All calls are recorded for my safety Please be advised that Vengroff Williams Inc., is not a Holder in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Consumer complaint received 2021-08-18
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. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXXDate Opened : XX/XX/XXXX DEPT OF ED/NAVIENT-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX. XXXX-Balance $ XXXX-Date Opened :XX/XX/XXXX