davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I recived a bill today ( XX/XX/XXXX ) about a hospital visit on XX/XX/XXXX. I called the debt collection agency and they said it was from a hospital, even though I explained I paid my bill. I called the hospital billing department XX/XX/XXXX, and they said that I paid my bill and they did not send anything into collections. They instructed me to call their collection agency, which I did. That collection agency said I had a bill from XXXX but that I had sense then paid it off ( which I did ). So the debt collector is saying I have a bill from a place that is saying I do not and did not have a bill. I do not want to pay this bill that does not exist, but the collection agency told me that if I didn't pay it would impact my credit. Im afraid this is either a scam, or a mistake.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX  XXXX  which is listed as the original creditor.
Consumer complaint received 2022-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JSZ Financial Co., Inc. (TX)

I am filing this complaint because JSZ FINANCIAL CO has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that 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 2022-06-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am filing the complaint against EQUIFAX, XXXX and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for OVER A YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that 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 2019-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

On XX/XX/XXXX, I received this message from Fedloan about my income-driven repayment plan : Hello XXXX, You need to recertify your Income-Driven Repayment ( IDR ) plan today! 
Consequences If You Don't Recertify Your monthly installment amount will most likely increase Your interest may be added to your principal balance Your payments may not count towards Public Service Loan Forgiveness. 
You currently repay your loans on an IDR plan. Since your payment is based on your income and family size, it is required that you recertify annually. You must have your completed application and any supporting documents to us by. 
Its fast and convenient to recertify your IDR plan online! 

Because I did not want to lose my income-driven repayment status, I immediately re-certified for it. Contrary to what FedLoan had promised in the message, I temporarily lost my income-driven repayment anyway. They approved the income-driven plan for {$130.00} a month, but said it started in XX/XX/XXXX and I had to pay a much higher amount in XX/XX/XXXX ( {$540.00} ), an amount that I could not afford.

This info can be found in IDR sequence 57. 

FedLoan explained that because my loans had different recertify dates, recertifying was ealy for some of them, which knocked me out of income-driven repayment on those loans. This is contrary to what was promised. In other words, it was THEIR mistake, but now I was going to pay for it. 

Knowing that I should have been kept on income-driven repayment, I paid the {$130.00} income-driven amount for XX/XX/XXXXinstead of the {$540.00}. I only did this on the advice of FedLoan workers who helped me over the phone. They admitted FedLoans error and said everything should be cleared up by XXXX, through an override request. I am unwilling to wait that long for something that may not be rectified. 

I spoke to XXXX ( employee # XXXX ), XXXX ( employee # XXXX ),, XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). All were gracious and helpful, but the fact remains that FedLoan messed up and I am the one paying the price for their error.

Meanwhile, FedLoan is sending me text messages, acting like I missed my XX/XX/XXXX bill. I did not miss that bill. I paid the approved income-driven payment of {$130.00}. I did not pay the {$540.00} in erroneous charges that they are billing me for.

What I want is simple and fair. I want FedLoan to override my erroneous XX/XX/XXXX payment and give me credit for my on-time payment of {$130.00}. I also want full credit for that payment towards my Public Service Loan Forgiveness. 
I re-certified on time. And yet I am being punished as if I did not. This is unacceptable behavior on the part of my loan servicer.
Consumer complaint received 2019-09-13
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Since two years ago I have been on the debt relief program with Freedom Debt Relief, paying a fee for legal representation in case a debt escalates to a lawsuit. One of the enrolled debts escalated to a XXXX, on XX/XX/XXXX, I sent the summons to FDR and they confirmed by email they retained an attorney for me as part of their services, which I have been paying. I Signed a POA. The attorney never answered or appeared in court, and I got a XXXX XXXX XXXX  on XX/XX/XXXX, and the other party is asking for summary judgment. I have called FDR to ask why the atty did not anything and they are asking me for money to deposit in the account with then to send information to the law firm to take care of the case if I don't pay FDR they will not send the information to the Atty. I have explained the situation to several agents in FDR and they keep saying I need to pay FDR to send the info to the Atty. FDR prevailed me to retain another attorney because they offered me legal representation and they retained an attorney for my case as part of what I paid, and they did not do anything about my case. Now I am one step behind a summary judgement without legal represation cause FDR is kind of blackmailing me to make deposit more than I should. I consider this an scam and black mail. The debt is more than XXXX and the damage this situation can cause me is terrible.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MO)

XXXX applied to refinance mortgage due to promotional {$1000.00} credit towards closing XXXX approved for new mortgage but {$1000.00} closing credit was not listed and were told the credit would be in the final paperwork XXXX & XXXX contacted loan originator and processor about lack of credit in final paperwork XXXX emailed loan originator about the matter XXXX rec 'd email from loan originator that verified the promo code for the {$1000.00} was on the initial loan application XXXX rec 'd email from processor asking the closer to look at our loan XXXX loan originator called with " great news '' that after a lot of back and forth with different people/departments that the " promo code for {$1000.00} was on the initial contact '' and that in " 7-14 days '' we " should receive a {$1000.00} check! '' XXXX called about check since it was not received XXXX spoke to XXXX who could not resolve or direct our call, but said she would email our loan originator to contact us. 
XXXX I am submitting this complaint to your bureau.
Consumer complaint received 2022-06-25
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. (FL)

I previously filed a dispute regarding a collection account ( XXXX XXXX ). I disagreed with results. Equifax hastily completed their investigation and stated that the account belonged to me. I was disputing the amount owed. If they would look at the numbers submitted by XXXX then it would be 0bvious that there are no itemized charges adding up tom XXXX Furthermore after I complained about Equifax and XXXX  preventing me from obtaining my report in an easy and timely manner. Here is my new complaint : On the XXXX of XX/XX/XXXX, I opened myfico account and and my Equifax credit score was XXXX. Today four days later it is XXXX. XXXX went down to XXXX. How is this possible when my credit limit went up on my XXXX XXXX card and the balance of my XXXX  XXXX card went down. I also paid off my personal loan and have not been late on any payments the last 6 months. Meanwhile XXXX raised my score today to XXXX .... Are Equifax and XXXX retaliating because I closed my monthly account with them and then filed complaints against them both? I have to believe that I am being punished. I am a XXXX XXXX XXXX XXXX veteran trying to get a car and an Apartment. How the heck can my scores go down almost XXXX points in four days. XXXX, please enforce whatever rules that Equifax and XXXX are breaking. There is No way that my score could drop that much that fast. And to make matters worse Equifax and XXXX listed the XXXX XXXX account as new when it has been there since XXXX.
Consumer complaint received 2022-06-25
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: GOLDMAN SACHS BANK USA (AZ)

My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in XXXX and And Apple Card with Goldman Sachs. I reported these cards as theft and they closed the Apple Card and took the balance away, and then they brought it back. My XXXX card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (WV)

Someone somehow got into my phone using the SIM card, and sent two sums of money to someone named XXXX XXXX, one transaction was {$150.00} and one was {$170.00}. PNC Bank has refused to refund my money because I had also disputed a transaction back in XXXX for I believe two XXXX transactions. The first time I called after they declined my refund I was told it was because the transactions were over 60 days old, and the ones in XXXX were so okay thats fine, however the {$150.00} dispute was filed on XX/XX/2022 and transaction took place on on XX/XX/2022 and {$170.00} happened on XX/XX/2022 and was disputed on XX/XX/2022. So PNC initially tried to say they were 60 days old, I was placed on hold for 45 minutes and nobody ever came back to the phone, so I called back only to get the an explanation of because I caught the XXXX ones after I caught the XXXX and XXXX ones that they werent giving any of it back. I went back through my statements after I caught the two {$150.00} and {$170.00} because they prompted me to check. PNC bank has caused my account to go negative with this because they took back the {$320.00} provisional credit when they werent supposed to. In addition to that, when I disputed them the second time, they declined me again, however if I didnt receive any info within XXXX business days I was supposed to receive another provisional credit. Over XXXX business days went by with no credit. Also I was supposed to receive a call back from the dispute department and still havent, its been almost XXXX hours and they said Id be called in XXXX. This is unbelievable, Ive got other transactions that I need to dispute with them but I dont feel confident Ill recover my funds.
Consumer complaint received 2022-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C. (CA)

I was attempting to do a mortgage with filo mortgage, since they offered the lowest interest rate. XXXX was working with me but completely stopped communicating. He wouldn't answer my calls or texts. I eventually called to get a new loan agent to work with me. He at first sounded interested, but then said XXXX 's supervisor said it looked too complicated. They discriminated against me, because we had rental properties, which would be a lot of work for their company. They didn't send a 'not approved, ' they just completely cut me off ... so that they wouldn't have to work with me, since my file was more complicated than someone with a w2 for instance. 
Btw, we closed with a different company within 60 days, so it was very much doable. 
I didn't like being cut off ... and discriminated against. 
I can also pull up call logs and show the refusal to answer.
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/year>, I submitted a formal complaint to Wells Fargo regarding an erroneous charge of {$2500.00} from XXXXXXXX XXXX car rental, which occurred after I returned the vehicle. Upon inquiry, Wells Fargo requested documentation. I meticulously provided a detailed package, including my flight, hotel, and car rental expenses amounting to {$1400.00}, in addition to relevant bank statements and receipts confirming the transactions. Given this comprehensive evidence, I firmly believe that XXXX should not have charged me additional fees upon my return. 

Despite my persistent efforts, Wells Fargo claimed that {$1200.00} had been refunded to my account by XXXX, a transaction I have yet to receive. So, I felt I should pursue the remaining balance of {$1000.00}. This situation has escalated to the point where I am now engaged in a complaint against Wells Fargo due to their inadequate investigation process. Time and again, they closed the case and opened it for months, necessitating that I reopen it repeatedly. 

At this juncture, Wells Fargo asked me to provide any documentation to clarify how XXXX could charge me nearly {$3000.00} despite my substantial proof that the charges were invalid. This ongoing issue is critical, as it jeopardizes my ability to retain my vehicle, leading to possible repossession and late fees, especially as I start a new job. As of XX/XX/year>, Wells Fargo plans to close the case, expecting me to repay this unwarranted amount. 
Below, I will provide bank statements. One from XXXX for {$920.00} and another from XXXX XXXX for {$480.00}. These two charges total up to my flight, hotel, and rental package from XXXX. ( I provided document. ) In addition, you will see another car charge of {$1000.00} from the XXXX car rental, although it was previously paid for in the package.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my right. 15 U.S.C 1681 section 602 A states that 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 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/XXXX of 2022, I tried purchasing a flight ticket through XXXX app. The app froze and charged my card twice. I couldnt even cancel the second ticket because I never received a confirmation email. I contacted both Wells Fargo and XXXX a handful of times explaining the issue and filing a dispute. Both Wells Fargo and XXXX have not done anything to get me my {$370.00} back. My dispute was reversed by Wells Fargo as well. I am a XXXX year old single mother who is in XXXX full time. This is ridiculous. Where did my {$370.00} go? This issue needs to be resolved between the Wells Fargo and XXXX.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (VA)

I was contacted by a company, Nationwide Credit Corporation ( NCC ), concerning a bill for XXXX XXXX ( XXXX  ) that was paid in full in XX/XX/XXXX. The company states that they were contracted in XXXX of XXXX to collect the amount, and XX/XX/XXXX is also the first I became aware of the bill directly from the company because of an incorrect mailing address they were using, not sending mail to my new residence on file with them. I contacted XXXX  immediately upon notification from XXXX  related to the bill and paid the bill amount in full at that time. NCC contacted me in XX/XX/XXXX regarding the amount, stating that XXXX  is their client and that they are collecting the amount. They state that I owe them XXXX, the final amount I paid to XXXX  in XX/XX/XXXX. NCC would not contact their client, XXXX, and instead wanted to collect more personal information regarding my accounts. When I spoke with XXXX in XX/XX/XXXX they stated that the matter was internal and that they would not send the bill to collections and that at the time of talking with them the bill has been paid-in-full, especially when it is related to a communication error on their system side. None the less, NCC states that they will not communicate with XXXX  and XXXX  does not have to communicate with them in regards to teh amount that has already been paid. NCC is engaging in bad business practices of collecting on amount that are not due and not conducting post-operation reviews to check the status of accounts related to collections for their clients. I have contacted XXXX multiple times since the communication from NCC, and XXXX has assured me there is no amount owed and that no amount should have ever been sent to collections. NCC has a due diligence as a collections agency to ensure they are collecting on proper, up to date, and accurate account debts, but to collect on accounts that have no discrepancies and are not due is to lie to the consumer, accuse them of bad financial practices, assault their credit credibility, and over collect on bills that have long been paid and should not even be considered a debt since they were paid in full at the time of balance due. NCC informed that they will not engage in confirmation with XXXX  that a balance is owed and would not verify the validity of their call took place almost two years after the utility bill was paid. It is unrealistic to ask most American to be able to vouch for their bill payments multiple years in the past, but I luckily keep good records of even small payments for just these predatory practices by agencies working to prey on people for false debts.