davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (SC)

World Finance has repeatedly called me before and immediately after making a {$150.00} payment towards the {$550.00} balance reported on my credit report since XX/XX/XXXX. 
Due to a job layoff, I have not been able to focus any payment toward the reported {$400.00} balance and have had to address more immediate needs as a result. As a result, also addressing my financial and credit situation I have reached out with the attempts to verify the correct amount and reported credit information I have not received my request via mail from the company instead have gotten updated credit reports still displaying the {$400.00} balance and address XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Today ( XX/XX/XXXX ) XXXX told me XXXX XXXX XXXX XXXX XXXX was the right address but ( not listed on the report ) and that I was not eligible for a Goodwill Letter with the request to settle the account. 

XXXX has called several times from XXXX but asked for a callback to XXXX ext XXXX. When I called the number couldn't be reached and I called back to XXXX only to be told by Sup XXXX that the XXXX XXXX XXXX XXXX XXXX was the right address with denial about knowing XXXX XXXX XXXX XXXX, SC XXXX and return mail that she claims were not received. I have verification of other mail coming from XXXX XXXX XXXX XXXX, SC XXXX. Yet this time I got an apparently opened and retaped return undeliverable letter that was not stamped or signed on the green verification card. Sup kept referencing payment arrangements like XXXX but not taking ownership when I expressed FDCPA under sections XXXX law about incorrect information. And I will attach the law as it states under the FDCPA *All XXXX Credit XXXX XXXX have XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX listed as reporting on my credit report which was updated on XX/XX/XXXX. Yet when calling credit bureaus they have XXXX XXXX XXXX SC which contradicts the fact that the updated address that they claim has not been reported or updated referencing accuracy. " XXXX kept saying she did not know why this was being the reported address ''. She wanted me to speak with the compliance department, however, I opted for no repeats due to the constant call of harassment under the FDCPA section 806. She also asked for my email address which should already be on file with the correct information. *Whole account number not listed just the last 4 numbers
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

Hello, Ive had issues with chime banking institution. ( XXXX XXXX  ) for over a year now I last year in XXXX unfortunately went through and suffered an XXXX scam. XXXX was great I contacted XXXX they emailed me on who I get a hold of sent me all numbers to call for the Federal trade commission and etc the Federal trade commission then help me get my money back well some of my money some of my purchases with this scam was through XXXX and some of them were through regular retail stores where I would purchase an XXXX card over the counter with a cashier. I also had purchase an XXXX cards online through key to benefits card got my money back with them as well they were awesome worked great with the federal trades commission and XXXX. The only place that I did not get my money back with is chime and I have tried over and over and over again to get my money back and every time my dispute is literally settled and literally 24 hours they don't investigate absolutely anything and they always deny your claim always deny it. I literally have every bit of proof of everything I have just stated and yet they still deny my claim to my money I have pictures and receipts to prove with the XXXX gift cards that were purchased in store with the cashier literally the card and the receipt everything matches the times day of the transactions absolutely everything. I was refunded from XXXX to the chime account cuz I paid online for the XXXX XXXX XXXX XXXX so it was through the time card that was paid but it was a card that was connected to XXXX the only money that I had got back from that scam with chime is from that transaction every other transaction they tried to say oh they gave me the money back that one the {$150.00} is the same exact transaction as the one that was refunded through XXXX and it's not as slowly a completely different date different time everything. Like I said all evidence is XXXX XXXX  there like this is even a far XXXX to investigate literally any kind of investigator could literally see it and be like okay all this literally matches up there and not only just that I you know like one the case with the Federal trade commission they literally help me get back my money from XXXXXXXX XXXX to benefits with XXXX all that and it's just chime bank that literally constantly disputes my cases and says that they find no error occurred which makes absolutely no sense. And I once again tried the Federal trade commission they can't really enforce anything so this was one of the recommended places to go for my case I'm really just trying to get this off like I said it's been over a year and I still can't win this case in without a doubt this is definitely winnable for me like I said I had already got refunded from every other place with this scam just really looking for help.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (FL)

I had an account with XXXX that went to collections with seqium assets solutions. I called to settle the debt and the collector was very helpful. She said that if I did a payment plan with them that they would credit the account and the account would show settled in full for less than the full balance. My final payment was in XXXX. XXXX is still reporting that I owe XXXX dollars on the account and is refusing to work with me. They told me to call seqium, which I have, multiple times. They have stated that they have no idea why XXXX would report this way and that theres nothing they can do, that XXXX authorized the settlement. This is completely unfair and I have been given the runaround.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WY)

DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My late wife, XXXX XXXX XXXX, was receiving Social Security Disability Insurance ( SSDI ). I was her designated payee. The Social Security Administration ( SSA ) was direct depositing her payment into a checking account at Huntington Bank ( the bank ). She passed XX/XX/2018, the Saturday before XXXX. I notified the bank of her passing by phone on XX/XX/2018. The bank immediately froze the account ; to return last SSDI payment to the SSA. However, the bank did not return the last deposit to the SSA. The SSA required me, as designated payee, to repay the {$970.00} direct deposited to, and held to this day, by the bank. The SSA collected this money from me by garnishment of my monthly Social Security payment. 

I have contact the bank several times by phoning Customer Service and in person at the local branch. I have provided paper and electronic copies of the correspondence from the SSA informing me that repayment is my responsibility.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. 


This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX ( account # as it is listed on my credit report XXXX ) please remove/block/delete this account. 


You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC :  Federal Trade Commission XXXX XXXX
Consumer complaint received 2022-08-25
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/XXXX of 2022, someone hacked into our bank account and accessed our Chase Digital wallet. The person then went to the ATM at one of our local Chase branches and withdrew money out of both our checking ( {$1100.00} ) and savings ( {$240.00} ) accounts causing our checking account to drop to a {$0.00} balance. I received a notification from Chase that a couple of ATM withdraws were made that were over the limit I have set as an alert. I immediately drove to the branch and talked to the branch manager who helped close down the cards on the account in order to prevent any further charges. The branch manager worked with me to contact the Chase Fraud Department to open a claim. I also filed a police report with our local Police Department. A few days later Chase notified me that they were not going to reimburse me for the money which was stolen from my account as they claim it was my fault that the Chase Digital Wallet got hacked when we updated it through the Chase Mobile App. Shortly after they told me this the detective contacted me and told me that he had received the video surveillance and photos confirming that it was not my wife, myself or anyone we knew withdrawing the funds from our account and provided the police report showing that we indeed were victims of identity theft/fraud. Upon getting this information, I tried to contact Chase to inform them of the results from the police investigation but they continued to tell me that they would not re-investigate the fraud and that I was not going to be reimbursed for the money stolen. As for the police investigation, they are still looking for the suspect. All I am trying to do is get reimbursed for the money that was stolen as well as any overdraft fees that have been charged.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

In XXXX, I've disputed a medical charge on my credit report for Simon 's agency. The company insisted that I was informed by them AND by XXXX XXXX XXXX  about unpaid debt. They have items listed in the following amounts from 2015 : {$10.00}, {$2.00}, {$15.00}, {$.00}. I advised the company that I have NEVER received a letter from them OR XXXX XXXX XXXX  regarding these amounts and requested they send me proof from XXXX XXXX XXXX confirming these amounts. My representative - XXXX ext XXXX - advised it will take too long to send the proof that this was my bill. 

Till this day, they have NOT sent me the actually bill from XXXX XXXX XXXX regarding these amounts that are now in collections. PLEASE HELP with getting these documents so I may clear my name. 

Company number : XXXX
Consumer complaint received 2020-04-16
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$960.00} XXXX   XXXX {$680.00} XXXX XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$640.00} XXXX/XXXX   XXXX {$490.00} XXXX/XXXX  XXXX {$570.00}
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

During COVID-19, all other credit card companies and banks put an immediate plan in place to assist their customers. CitiBank did NOT! They still haven't over a month and a half later. They aren't waiving fees, skipping payments, or assisting in any way. Have called them ( waiting on hold for over 2 hours and then their system kicks you ), have emailed, have XXXX messaged and posted, etc. They have scripted messages to everyone and no solution. They are protecting themselves and giving no assistance in any way to their customers. All other CC companies have assist us, not CitiBank. They should have gone bankrupt in 2008, but got bailed out by us. They should remember that and assist us in this time of need.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (SC)

Between the years of XXXX, I worked as a XXXX XXXX XXXX in XXXX XXXX XXXX. This employment qualifies me for deferment and cancellation of the XXXX XXXX I received as part of my graduate school financial aid package through the University XXXX XXXX XXXX  For almost every year that I taught in this qualifying position XXXX XXXX XXXX XXXX XXXX ECSI XXXXXXXX has found one convoluted reason after another to reject my application for either deferment ( beginning of the school year ) or cancellation ( at the end of the school year. ) I have had zero issues with the XXXX XXXXXXXX XXXX XXXX XXXX which, in theory, works the same way. For example, one year they ( ECSI XXXXXXXX ) rejected my application because the school district checked boxes saying I XXXX in a XXXX XXXX  ( true ) and at a XXXX XXXX XXXXl ( true ), but according to the company they were only allowed to choose XXXX option ( though both qualified me for the forgiveness program ). Most recently they have sent my loan to collections because I signed my forgiveness form with a digital signature ( which they had previously accepted and now suddenly accept again ). I have sent in the corrected paperwork, however, the company refuses to reinstate and cancel my loan. As I have fulfilled my obligation to XXXX  in a XXXX XXXX  XXXX XXXX XXXX  ) in XXXX XXXX XXXX for five years, I believe that predatory lending practices on the part of ECSI XXXX are the only explanation for the situation I am now in. As a result of their malfeasance, I am not able to consolidate my other student loans for income-based repayment and PSLF because I do not want the XXXX Loan ( which is supposed to be canceled ) to be a part of that consolidation. ECSI XXXX needs to restore my loan and honor the cancellation I have rightfully earned. They also need to be prevented from preying on other lenders. I am attaching the form I originally sent during the XXXX school year that was rejected. ECSI has failed to even acknowledge the second form I mailed to them at the end of the XXXX year for cancellation. Unfortunately, I can not currently locate my own copy of this document, but I am confident my school district will again verify the completion of my contract at the end of the XXXX school year. It is, in fact, VERY EASY to verify that I have fulfilled my 5-year XXXX requirement. They are intentionally and obstinately ruining my life. Thank you for your help in resolving this distressing matter.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In 2017 my wife XXXX XXXX XXXX and I placed freezes on our Equifax accounts. We had to remove them in order for XXXX to process our Payroll Protection Program loan application. I was able to remove mine quickly online. When my wife tried to do the same, Equifax said that it could not verify her identity and would not allow an immediate unfreeze. We called Equifax twice to explain the urgency, as the PPP money was limited and about to run out. Equifax refused to lift the freeze on her account. Instead, they asked her to fax in her details and a copy of her drivers license and then wait 5-7 days. We did that yesterday morning, called again today, and were told that it would take 5-7 days. The PPP money has now run out. XXXX will not process our application until the freeze is lifted. We have now lost out on a forgivable {$30000.00} SBA loan. Equifax took our information and then held us hostage, refusing to respond timely even after explaining to them the urgency of the matter. All of this during a time when every business is hurting and our economy is in a serious decline. Their callous actions cost us {$30000.00}. They should pay that to us and in future be required to act responsibly so as to not harm other consumers.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NJ)

I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have my written instructions.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have Federal Stafford Loans with American Education Services. I reached out to them two years ago to ask them if my loans would be on pause, and if any payments would go towards the principal, due to the student loan pause implemented at the time. I was told " Please note that the loans you have with AES are owned by commercial lenders and do not qualify for any benefits mentioned by the president. The proposal for a 0 % interest rate is for Federal Direct and FFELP loans owned by the Department of Education ( ED ). Loans serviced by AES are bank owned loans and not owned by ED and are not included in the proposal. '' I am now very concerned that I was given incorrect information somehow. With President Biden 's recent decision regarding student loan forgiveness, I am concerned that I will not be able to have my Federal Stafford Loans forgiven because they are being serviced by AES. My loan details clearly indicate that they are owned by PHEAA XXXX XXXX, not a commercial lender. As far as I knew, Stafford Loans were among the most common Federal Student Loans. 

Was I given bad information? And will my Stafford Loans be eligible for forgiveness, even if they are owned by PHEAA and not Dept of Ed? I am concerned that many borrowers in the state of Pennsylvania will be hurt.
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashable LLC (GA)

I applied for a loan around XX/XX/2021 last year I had got approved for it. While I was waiting for it to be deposited I realized that I messed up the routing number by a few digits. I quickly called the loan company they basically told me it was nothing they can do about it I spoke to my bank they also said the same thing. they said it would just affect my credit even though I never received the money Ive even filed a police report still nothing now I have late payments on my credit report.
Consumer complaint received 2022-08-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC (MI)

XXXX XXXX XXXX the original lender who I got the auto loan from and their lawyers/debt collectors Roosen, Varchetti & Olivier LLC . 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying 3+ years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On Roosen, Varchetti & Olivier LLC payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.