davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (PA)

After I graduated high school in XXXX. I moved to XXXX, XXXX  for a sales job where I did very well for myself. Unfortunately, I lost my job due to Covid-19 at XXXX XXXX XXXX in a new state which was completely unexpected and out of my control. 

Because I lost my job and there was a complete shutdown I was unable to make my car payments. More so, if you remember, 1099 Independent Contractors were not eligible for unemployment assistance until months after normal W-2 W-4 workers.

I had a condo which was relatively expensive, normal living expenses, utilities, gas, and a car payment with no income for about 6 months. Even when I started receiving unemployment compensation, it was too little and just got me by. Unfortunately, it put me in the spot of taking care of myself and having a place to live, or make my car payment. 

I have a XXXX XXXX XXXX currently and the only account out of 8 that has had any deragoty mark or late payments is my Wells Fargo Auto Acct. Due to these late payments, it has made it very difficult to get approved for credit cards, loans etc. 

The most upsetting thing about it is that they were incurred due to no fault of my own. They were incurred due to an unforeseen global pandemic that killed millions of people and effected everyone. 

It is obvious by the late payments that they took place during a specific set of time ( Covid ) the late payments are as follows all are in XXXX - XXXX  30 days late, XXXX  30 days late, XXXX  60 days late, XXXX  60 days late, XXXX  60 days late, XXXX  60 days late. Past these dates in XXXX all of my payments have been on time. 

I think that it is very unfair and upsetting that I have to suffer from these late payments when they were due to no fault of my own. This was due to an unexpected pandemic. 

I have talked to the executive office 2 times and disputed through the BBB and I get the Wells Fargo doesnt do goodwill adjustments and I think thats ridiculous. This is truly an instance where someone is not in the wrong. Regardless of reporting, the moral honest aspect of this is that this was not my fault and I shouldnt be effected by it. 

I am asking that this be reevaluated and that these late payments be removed. I am not satisfied with the response I have received from Wells Fargo and ask for a reevaluation based on the context of the situation. 

Since I have talked to the executive multiple times and havent received a satisfactory resolution to the issue, it would be great if the CEO could take the time to read this message and grant me goodwill on these late payments especially considering my on time payments since the missed payments due to COVID in XXXX. 

Thank you!
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/scrub> 2024, Venmo ( NOT the IRS ) fraudulently withheld monies paid to me ( from XXXX previous Venmo payments ) from my spouse ( from whom I am legally separated ) for reimbursement for childcare expenses ( his share of swim lesson costs for our children ). 

I notified Venmo numerous times of this error, beginning with attempts to reach out via phone ( speaking to dozens of Venmo employees explaining the situation ). Several times I was assured of resolution and was promised calls back to correct Venmo 's error ( to which they were noticed of the error dozens if not hundreds of times ). Having never received the promised calls, I did eventually receive an email with copy/pasted info pertaining to tax withholdings for vendors for " goods and services. '' As apparent in the email threads, I have had no resolution from Venmo for their error. Most of the emails I received were copy/pasted paragraphs about tax withholdings. 

Throughout this process, I could not have been any more clear with Venmo that these payments were childcare expense reimbursement, a point that I re-iterated ad nauseum. Such expenses are not subject to taxes of any kind ; in fact, it is illegal to do so.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

I have been receiving calls from multiple numbers threatening to damage my credit and share my info with other companies, I've asked them to stop calling me due to my job and our phone policy. according to the FAIR DEBT COLLECTION PRACTICR ACT, debt collectors violate the law when they harass, oppress or abuse you.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

I am writing to formally file a complaint against Discover Financial Services regarding a disputed charge on my credit card for a bed frame purchase that was never resolved satisfactorily. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I purchased a bed frame from the merchant ARTICLE for {$2800.00}. Upon receipt, the bed frame was delivered to an incorrect address and was left at the street. I had to transport it to my apartment myself. Additionally, the bed frame arrived with several mechanical damages that rendered it unusable, as well as significant cosmetic damage, which is unacceptable for a new product.

3. Merchant 's Response : Despite the damage and improper delivery, the merchant refused to accept a return of the product or provide replacement parts to remedy the situation. The merchant 's refusal is contrary to their stated return policies.

4. Dispute with Discover : I attempted to resolve this issue through disputes with Discover on two occasions. Both times, Discover refused to take action on the dispute, leaving me without resolution.

5. Requested Resolution : I am requesting that Discover credit my account {$2800.00} for the charge related to the damaged and improperly delivered bed frame. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

I received a letter from Harris & Harris Ltd. in XXXX, XXXX, offering to lower my debt to XXXXXXXX XXXX XXXX  XXXX by {$770.00} in return for XXXX payments XXXX for {$22.00} and another for {$30.00}. XXXX XXXX XXXX Account XXXX XXXXXXXX : Harris & Harris cashed my check for {$22.00} on XXXX Account XXXX XXXXXXXX : Harris & Harris cashed my check for {$30.00} on XX/XX/XXXX. 


In both cases, my XXXXXXXX XXXX XXXXXXXX XXXX account was credited ONLY for the XXXX payments I made, NOT for the {$770.00} as promised. I sent a letter to the company via certified mail ( signed by XXXX XXXX, on XXXX XXXX, XXXX requesting an explanation, which I did not receive. Instead, I have been inundated with collection calls.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (SC)

I received a copy of my credit report to find the following items to be incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records the information your are reporting on this account is inaccurate. I demand that you remove these accounts from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of XXXX, 15 U.S.C 1681 et seq., I demand that these items b reinvestiged and deleted from my credit record. Please send me the names and address of the companies that you contacted so I may follow up. 

Under The terms of section XXXX I of the Act you have 30 days from receipt of this information to verify this disputed information. In the event you fail to verify this data, of fail to respond to this request altogether, the disputed data must be deleted in its entirety. 

Also, pursuant to 15 U.S.C. Section 1681 d of the act please notify me when the item have been deleted. 15 U.S.C 1692g,15 U.S.C 1681 I 1A
Consumer complaint received 2024-09-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

I initiated a request to close my XXXX account on XX/XX/XXXX. Upon reviewing my statement on XX/XX/XXXX, I noticed that neither the referral bonus nor the XXXX bonus had been applied to my account. My statement only reflected the standard XXXX  % APY interest rate ( not XXXX % APY account for all the bonuses ). I promptly reported this issue through online chat support. The agent confirmed that both bonuses were active and initiated an interest paid review. Despite multiple follow-ups, I have been consistently informed that the request is still under review and will complete by XX/XX/XXXX. I find it concerning that a financial institution of XXXX ' standing would overlook accurate interest payments to customers. Furthermore, I believe I should be compensated for any interest accrued during this extended review period, as my funds remain in the bank 's possession. 

On XX/XX/XXXX, received the call but nobody is talking over the call. Called back in the afternoon, said need to reopen the account in order to receive back the interest. Agreed to to so but still not getting anything XX/XX/XXXX. Also asked to open a new account to get credit for a {$25.00} dollar goodwill credit. 

Called again today ( XX/XX/XXXX ), the agent now saying it is still under review. Shouldn't this already get reviewed by XX/XX/XXXX? XXXX is having a millions of reason not paying back people interest. It has been almost half a month and should be paid at the end of XXXX when I closed my account.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (TX)

I am filing a complaint against LVNV Funding because they failed to provide adequate proof of an account they are reporting on my credit report. I have mailed multiple letters requesting detailed documentation to LVNV on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these efforts, LVNV has not provided sufficient proof of the debt or responded with the requested information. 

Specifically, I have repeatedly asked LVNV for : -A copy of the original contract, as I need to understand the terms of the alleged debt. 
-A copy of the purchase agreement to confirm that LVNV actually owns this debt, as I have reason to believe they do not. 
-The last account statement showing a XXXX balance and all statements leading up to the claimed amount of {$750.00}, so I can see how the charges were calculated. 

Instead of receiving the requested documentation, I have only received responses from Resurgent Capital Services, which claims to be collecting on behalf of LVNV Funding. These responses, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all state the same information : that the original creditor is XXXX XXXX Bank, and LVNV Funding is the current owner. The only " documentation '' provided is an " Account Summary Report, '' which is essentially a computer printout from Resurgent Capital Services and specifically states : It is not a credit card or other account statement from the original creditor. '' LVNV Funding has failed to provide proof that I owe this debt, that they own it, and how they calculated the amount they claim I owe. After more than sufficient time and numerous requests, they still have not supplied the necessary documentation to validate this debt.
Consumer complaint received 2024-09-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KY)

XX/XX/XXXX : I initially received an email from XXXX ( managing company for XXXX at XXXX ) saying I had to pay for damages. When I replied to that email stating that those damage claims were false and I have proof uploaded in Resident Portal ( the third party app they use for payments, documents, etc ) that proves I did not cause any stated damage I never received an email back. 

XX/XX/XXXX : The next year and I get an email from the Debt Collector Genesis about this and I let them know the situation as I stated previous. 

XX/XX/XXXX : I reached out to XXXX and they said they are no longer managing account and to send all correspondence to Genesis. 

XX/XX/XXXX : Genesis replied with a charge from the XXXX at XXXX ( apartment ) but did not provide images nor checked into my proof via XXXX XXXX. 

XX/XX/XXXX : I replied and informed them of my proof of any previous damage upon moving in via XXXX XXXX that verified I did not cause any damages, they chose not to respond. 

XX/XX/XXXX : I emailed them a little over a week after that asking for an update and heard nothing. 

XX/XX/XXXX : My credit gets a major derogatory mark by Columbia Debt Recovery ( XXXX )
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVERBANK XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX on XXXX, XXXX under the account number XXXX, an collections account opened up at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2000.00}, opened up at XXXX XXXX, XXXX on XX/XX/XXXX with a balance of {$3500.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately.