davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
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. (MD)

The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered myXX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXXand only covered XX/XX/XXXX because of the alleged returned payment. The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX and Equifax There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXXThis payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXXand XX/XX/XXXX Payments. XXXX   shows 30 days lateXX/XX/XXXX andXX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX  has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
Consumer complaint received 2016-10-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo Bank use a 3rd party, XXXX ( XXXX XXXX XXXX ), to alert them to place a deposit hold on your acct. Wells Fargo will " hold '' the deposit for 7 business days even when Wells has received payment for the check. I made a deposit on XXXX/XXXX/16.The hold is until XXXX/XXXX/16. I verified with the bank the check was from and they paid it on XXXX. How can Wells keep my money that they have already received and not credit my account? This is on a small business acct and it really effects my business.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I mobile deposited a check from a church for {$5700.00} citizens bank told me the check would be clear on XX/XX/XXXX when I called on XX/XX/XXXX to see if the funds were available they then told me another date XX/XX/XXXX I then called XX/XX/XXXX they did not have an exact date for me they told me to try back in a couple business days it is now XX/XX/2022 citizens still has not released a hold from my check deposit The money came out of the churches account on XX/XX/XXXX every time I call citizens Bank to see what the issue is with the check not being available they tell me they cant reach anybody at the church when I am in constant contact with the pastor who issued me the check Ive called the bank and gave them the churches number and the pastor cell phone number citizens still has not released my funds The pastor has tried to call citizens to tell them he issued me the check and the pastor can not get through to anybody at citizens It has been 30 days in the bank is still not gave me my money Please help me my cell phone number is XXXX
Consumer complaint received 2018-01-25
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. (UT)

Both my husband and I  are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else's bad car loan.

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same.

Please help
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX Chase decided to close my XXXX open end credit cards without my consent or reasonable reason. 
Spoke to supervisors, managers, and lending office reps non can come up with any reasonable reason to close my account down. spoke to the many times which sometimes they'll put me on hold for more then 3hours with no results. 
under law 15 US Code 1602 ( D ) ( E ) ( F ) ( J ), Chase, ( corporation ) violated my rights., Note to all I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matter proceedings and I hereby claim that I will D/b/a and auto graph as the agent, attorney in fact, so be it ; Under 15 US code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 
Under penalty of perjury, I swear this account is misleading Only way you can close my account is if its fraud related or i close it down which i did not because i extended my credit to you so im the only one that can take it away by law. 
As a consumer by law these accounts where misleading and discriminating for closing account without my consent or knowledge. 
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Felt very XXXX  by the Cooperation and its representatives i've spoke to past few days. which violates again Equal CREDIT OPPORTUNITY Act, FCRA, and Truth In Lending Act.
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I was a student at XXXX XXXX XXXX XXXX  the fall of XX/XX/XXXX. I arrived on campus XX/XX/XXXX. During that time, I do not recall applying for a loan. Also during that time my wallet was stolen with some of my valuable information in it. I left campus going home on XX/XX/XXXX. Navient is telling me that I owe for a loan I applied for and when asked for the paperwork to back it up no one ever sends it to me. Please help me because they're constantly calling and sending letters but not with the information requested.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I provided both XXXX and Experian the proof to remove creditor XXXX XXXX, Acct # XXXX, Report Date : XX/XX/2021. XXXX removed the inaccurate account, however, Experian still has the account reporting. I demand that the account be verified or removed immediately.
Consumer complaint received 2021-08-06
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)

there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the Equifax data breach.
Consumer complaint received 2021-04-30
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (NC)

XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX XXXX, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX XXXX  according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Consumer complaint received 2021-08-05
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. (NC)

There is some arr, XXXX on all three credit bureaus XXXX  and Equifax  and XXXX  fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I sent copies to Equifax to dispute XXXX 30 days late from XXXX. It clearly shows that I made my payment and collected by the end of 30 days. Dispute all of these copies of proof they would not correct the problem. The law states that consumers has 30 days to make payment before it is reported to credit bureau. This ensures that the consumer is protected.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a bank account with Bank of America. I did not lose or gave my debit card to someone else, but somehow, someone else was able to obtain information on my debit card, including the pin and chip. This resulted in numerous fraudulent transactions/ ATM withdrawals that occurred between XX/XX/XXXX through XX/XX/XXXX. Below is the list of transactions : 1. {$100.00} ( XX/XX/XXXX ) 2. {$800.00} ( XX/XX/XXXX ) 3. {$380.00} ( XX/XX/XXXX ) 4. {$200.00} ( XX/XX/XXXX ) 5. {$600.00} ( XX/XX/XXXX ) 6. {$600.00} ( XX/XX/XXXX ) 7. {$1900.00} ( XX/XX/XXXX) 8. {$2.00} ( XX/XX/XXXX ) 9. {$640.00} ( XX/XX/XXXX ) I have filed a claim, made a fraud claim statement, and faxed a letter to the fraud claim department, requesting them to investigate these transactions and take a look at the camera surveillance. However, these sincere efforts did not result in the outcome desired as they were all denied. The reasoning provided by the bank fraud department was that the suspect had the pin and the chip and debit cards can not be duplicated and as such, they are unwilling to provide me with the refund.

I rarely make ATM withdrawals and if I were to plan on making such huge amount of withdrawals, I would go to the bank and withdraw it from a bank teller in one transaction rather than making multiple transactions. I put the maximum withdraw at the atm ( {$500.00} ). The fact that withdrawals are allowed to exceed this amount shows the lack of security from the side of Bank of America to allow the transactions to go through.

I am still persistent that I have no play in these transactions and that they are fraudulent and that Bank of America should look at the camera surveillance to verify that I was not the one making the transaction. As such, I am writing in hopes that I can have my tuition money back.
Consumer complaint received 2021-04-30
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: The Bureaus, Inc. (TX)

As of today XX/XX/XXXX Ive tried unsuccessfully to get in contact with the collection agency called The Bureau. Ive called several times and left numerous messages regarding a derogatory account listed on my credit report. This account was opened on XX/XX/XXXX with a balance of {$720.00} and the originator being XXXX XXXX Bank. I have had no contact what so ever with any representative from The Bureau nor has anyone from The Bureau tried contacting me before reporting this information on my credit report. I have no standing signed contract between myself and the Bureau and I have never done any business transaction with any employee of the Bureau. This account has a negative impact on my credit history and is by all means a defamation of character. This account also goes against the rules and regulations set forth by the FCRA to protect clients and their personal information from slander and misappropriation. I would like The Bureau to remove this account and its information from my credit report and be prevented from reinserting it at a later date.
Consumer complaint received 2021-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

Navient and Navient DOE hold my student loans. I have been paying on them for over 10 years and I owe more than I borrowed. Lately the USPS has not been delivering my payments on time and I am being charged late fees. it takes a month for 1st class mail to get to Navient or Navient DOE. Same as to when I receive my monthly statement from the lenders. I will not let Navient do direct withdrawal because they have been found guilty of predatory lending practices. I have filed complaints with the USPS about delivery delays but they refuse to resolve or even investigate the problem month after month, year after year. XXXX XXXX of the XXXX XXXX is the person assigned to each complaint and does nothing. I write the date of receipt of every payment coupon and the date I mail it, along with ck # and amount. I pay over on each payment by the way. I photograph each payment, envelope and check before I send it. I have had my mail tracked by certified/return receipt. The malfeasance of XXXX XXXX and the the USPS is causing me to pay late fees and Navient continues to charge late fees. This has been going on for years and has nothing to do with COVID delays.
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

XXXX XXXX XXXX called me to collect payment for a debt. Because it was a phone call from a company I had not received notice of collection for, and because my cell phone was dying at the time I received the call, I indicated I would take care of the payment and got off the phone. I did not receive from XXXX XXXX XXXX any other contact attempts, nor did I receive notice in writing from this company regarding the debt they were trying to collect. I also, did not receive notice regarding the ability to dispute, I believe I am supposed to receive notice in writing of the attempt to collect a debt prior to it being reported to a credit reporting bureau. Because I did not receive proper notification, nor did I have the proper amount of time to respond, I have requested the collection record be removed from my credit reporting. The agency refused to remove the improper collection attempt from my credit report and their response was that they called me and expected me to pay over the phone to a company I had never spoken to using my credit card, which to anybody would seem like a scam.
Consumer complaint received 2018-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I'm currently in my second semester of grad school ( full-time ). My Federal Unsubsidized and XXXX PLUS loans are being serviced by Mohela. My husband and I have been making payments toward my student loans ( at this point, roughly $ 2k, which has been enough to pay off my Student Plus loan from my first semester ). Despite explicit instruction on the Mohela website that any payments made within 120 days of loan disbursement would be applied to the principal, we noticed that Mohela began applying payments well in advance of end of the 120 day window to the interest. When we called Mohela to speak to a service representative today ( XX/XX/XXXX ), he first tried to confound us with the use of confusing and nonsensical jargon in an attempt to justify the application of payments to my interest. When that didn't work, he told us that in order for Mohela to honor the 120 day window, I would need to write and fax a letter making that request, even though no such instruction is listed anywhere on their site or in the loan agreement. Our suspicions that the company was hoping that we wouldn't notice the early application of payments to my interest with the sole objective of making additional profits were confirmed. In my case, this was around {$7.00} extra dollars, but I can't imagine how many others taking out even larger sums of money might be impacted by this unethical and misleading practice. Unethical behavior such as this has far-reaching consequences - not only for students, but for the US and world economy. It baffles me that the US Department of Education and US government would leave students in the hands of companies like Mohela, which brazenly mislead and confuse students into paying more money than they need to, which contributes to mounting student loan debt which contributes to students ' inability to participate in the economy as consumers, and ultimately leads to major economic crisis like the one that we just saw in XX/XX/XXXX. Not only do I view this as the height of idiocy on the part of the US Government, but I'm truly disgusted by the value system of flagrant greed that we continue to espouse and perpetuate in this country. And I want Mohela to know that financial power is not the only kind of power that an individual can wield, and I will be calling upon the power of information to fight this corruption. I will be sending a campus-wide email to my fellow students at XXXX in order to warn them of Mohela 's practices, and I will share that letter with other institutions. I will also be sharing my experience along with screenshots from the Mohela website with journalist friends at XXXX, the XXXX XXXX XXXX and others, as well as forwarding this information to my elected representatives.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello on XX/XX/2019 I went into Kohl 's XXXX in XXXX, Michigan XXXX and spend {$290.00} on clothes and on XX/XX/2019 I saw that the items that I purchase were on sale for lower amount so I went to Customer Service to ask if they could give me a PRICE ADJUSTMENT and the associate did give me one for {$90.00} which she said that they would credit my CHARGE CARD FOR. And I said fine cause I did not want any cash money back so yes credit my Kohl 's Credit Card. Well I check my statement account and notice that I got a {$19.00} credit back on my card and I don't know where that came from for the date XX/XX/2019 and mine you I did not return anything back or nothing like that. So I called Kohl 's Charge Card on XX/XX/2019 and talked with a XXXX who said that she see that it is pending and that her Manager is looking into it and will call me back within 24 hours and don't I try to handle it myself and go back to the store cause they will get back in touch with me. So I said okay fine, I will wait. I called back on XXXX XXXX and talked with a XXXX who transfer me to a XXXX  who was no help, who transfer me to a XXXX who was talking down to me and I said Ma I am trying to get this matter taken care of I help a receipt which said my card is to be credit {$90.00} and I don't see it and I see a return credit of {$19.00} and I DID NOT RETURN ANYTHING PERIOD BUT I DID BY MORE THINGS WHICH COST ME {$190.00} SO I NEED TO FINE OUT WHAT HAPPEN AND WHERE DID THIS {$19.00} COME FROM? BECAUSE I DID NOT SEE ANYBODY ELSE NOR DID ANYONE SEND ME ANYTHING TO EXPLAIN THIS TO ME. I AM A CUSTOMER, WHAT IS GOING ON?
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (PA)

i checked my credit today and found MRS associates is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through XXXX website for this item and several more but the system caused an error when i clicked submit.