davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IL)

I am writing to report that the above debt collector violated Fair Debt Collection Practices Act ( FDCPA ) and reported invalidated debt into Credit Reporting Agencies.

Upon reviewing my personal credit report on XX/XX/XXXX, I noticed that XXXX XXXX XXXX was showing on my credit file with XXXX, and XXXX credit report. The debt collector reported derogatory information to the above credit reporting agencies. I have no knowledge about the reported unpaid debt and debt collector. I have never received any letter or correspondence from the above debt collector that I owe debt and the name of the original creditor to whom the debt is owed. The amount of the above debt is {$580.00} and appeared on my credit file as unpaid debt as of XX/XX/XXXX.

All my accounts such as credit cards have been settled with creditor and I pay every month as I agreed.

The XXXX XXXX XXXX violated FDCPA and reported invalidated debt or portion thereof as delinquent account. I consider this action as a fraud under both federal and state laws. I have already initiated consumer dispute with Credit Reporting agencies and this is continues to report to any of my credit reports by XXXX XXXX XXXX, I will not hesitate in bringing to legal action against them under Violation of Fair Debt Collection Practices.
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX RE : Audi Financial Services XXXX XXXX  XXXX XXXX XXXX, IL XXXX Website : audi/fs.com Subject : Financial Services Paperless Invoices Audi Financial Services changed us from Paper statements to Paperless statements in XX/XX/2019 without our permission. We knew nothing of this. I then received a notice that I hadn't paid XXXX or XXXX, received a late fee and my credit was impacted negatively. I called 3 times and they said that they could not handle this over the phone and that I had to change it back via the website. I would have to sign up. I signed up and they still won't allow me access to change. I feel that they deliberately make this difficult ( why could they not change it back via phone ) and that they are just doing this to collect late fees and save money on billing. I feel. I want this changed back and a letter sent to XXXX   and other reporting agencies and all reporting agencies correcting my credit. I have had stellar 835+ credit for years and now it is XXXX through no fault of my own.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

Hard inquiry in my credit report from : Syncb/walmrt on multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

Also from XXXX XXXX on multiples days as XX/XX/XXXX * XX/XX/XXXX * XXXX XXXX, XXXX * XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX, XXXX XXXX, multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.
Consumer complaint received 2020-04-05
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. (TN)

Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from XXXX Credit Report Reference : Reference # XXXX
Consumer complaint received 2020-03-29
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

Date XX/XX/20 {$190.00} XXXX XXXX XXXX XXXX XXXX CA Chase credit card service decided that the charge is valid. But I disagree with their decision because I have never authorized the amount charged. I provided that recipt of the invoice that it says amount is {$0.00} and XXXX from XXXX XXXX promised to give me a refund since they did not have parts to fix but chase thought the charge is still valid.
Consumer complaint received 2020-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I open My Student Account with US Bank as I'm XXXX-XXXX   Student at XXXX XXXX College in the City Of XXXX. Today Saturday XX/XX/XXXX I'm In Receiving a Letter dated XX/XX/XXXX stating that the financial Institution is closing my account effective XX/XX/XXXX Which means 4 days from the today when I had received the letter. I went into the branch on XXXX in the City of XXXX and spoke to the Teller " XXXX '' which she stated that the normal protocol of the bank is 30 days from the date the customer received the notification. I Had to Maintain a Good ethical relationship with the bank for the past 4 years and I'm XXXX Years old senior XXXX  citizen and I'm confused of their motive.
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2020, Wells Fargo Home Mortgage applied monthly interest twice in one day to my mortgage loan. This action by Wells Fargo is or should be a violation of law. 

On the loan # XXXX, Wells Fargo applied an interest payment of {$640.00} and an interest payment of {$650.00} on the very same day. Interest on this loan accrues only monthly, and against the remaining principal. 

At no time have I indicated to Wells Fargo that an overpayment of my mortgage would be applied to future interest instead of outstanding principal. 

In prior months on this same loan, all overpayments were consistently and properly applied to the outstanding principal. 

However, when I made a {$50000.00} payment against the loan on XX/XX/2020, Wells Fargo collected the interest for two months on the currently outstanding principal, rather than using all funds beyond the minimum payment to reduce principal. The payment was from another Wells Fargo account.This action is verified in both online and physical statements of Wells Fargo. 

The action by Wells Fargo, to apply two monthly interest payments in one day, is one that is at the detriment of the customer and the unilateral benefit of the bank. This occurs because when a customer reduces their principal, that customer reduces the amount exposed to later monthly interest calculations. In this case, the actions by Wells Fargo allowed Wells Fargo to capture the most amount of interest from me prior to the principal reducing substantially. Had Wells Fargo properly and consistently applied the overpayment to my principal, the interest borne for the month of XXXX would be substantially less. 

I contacted Wells Fargo on XX/XX/2020 and voiced these concerns having to speak with 2 individuals over the course of 26 minutes. They represented that this was systematic, asked if I had made a mistake, but could not explain how in prior months overpayment was properly applied to principal but in this case was not, except to state that it was a substantial payment. 

Their attempts to forestall resolution include telling me that a 'work order ' would need to take place over the course of 6 business days to make the correction. I have relayed that such a delay is unacceptable, and that this very complaint will be filed with CFPB. They indicated I will have a call with the Executive Office at some later unspecified time. 

I have notified Wells Fargo that I have lost trust in them and will be taking steps to minimize business with them after 26 years of loyalty.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

I need your help in order to get in touch with my bank and try to solve my problem. I would like my Citi Dividend Card to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$800.00} on XX/XX/2017. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Consumer complaint received 2018-03-03
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. (NJ)

I have several queries from the same provider ( Equifax Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my XXXX and Equifax accounts. Please delete these queries immediately.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

XXXX  XXXX, XXXX Ca closed. No way to cancel my membership now as XXXX XXXX  tells me I have to go to the location too cancel membership. There doors are locked, and they are closed. There is no way to cancel. I can't stop XXXX XXXX Monthly EFT from my Wells Fargo account as a result. WF tells me they will charge me a {$31.00} fee to stop payment on XXXX XXXX This is wrong, and not fair. Please help
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I received an email from XXXX XXXX on XX/XX/2020 stating the termination of my XXXX frequent flier account due to 'Fraud, misrepresentation, abuse or violation of applicable rules ' with my credit cards ( Citi and XXXX both offer XXXX  XXXX personal and business credit cards, and I have possessed all 4 at certain points in time ). The email does not state specifics, and offers no contact avenue for a  response. I have emailed back twice, and called several times, with no response. With each of these cards come promotional bonus miles, which were all taken away with the closure of the account. There was no gaming/abuse/fraud committed with applying for, and receiving these cards over a multi year period, and I am alarmed that my miles can be taken away with no avenue of response or venue of contact.
Consumer complaint received 2018-03-05
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: CL Holdings LLC (CA)

I paid collection company XXXX to remove this account from my credit report which I was told they cant remobve I would have to ask XXXX XXXX XXXX. So I called them and they told me they cant remove the account but will show paid in full. But I want them to to remove this account off my report because its ruining my credit score on my report
Consumer complaint received 2018-03-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NC)

1. Issue is student loan forgiveness. I have been employed over the past 15 years with various state and community organizations that qualify for the student loan forgiveness program. I have applied 3 times each time my loan get transferred to another company.

2. I have asked for and investigation because the total amount of loan as reported on my credit reports is not adding up it almost appears to be 2x what it should be and including the payments made over the past 15 years.

3. My concern is that when my loans were refinanced they were refinance with the original loan not the remaining balance.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: ACIMA CREDIT, LLC (GA)

Hello, Id like to raise my concern regarding this company whos taking money from my account constantly. Last XX/XX/XXXX, i took an eye examination which isaw in advertisement, it says will cost you a pair of glasses for only {$59.00}. I went there and they took the test but when you are there some promotions or tricks that will cost you up to {$1400.00} if you get approved by a funding company ( XXXX XXXX ) they fund me {$600.00}, then they will offer you this and that. at first they took {$50.00} downpayment XX/XX/XXXX, and then they deduct again in my account XX/XX/XXXX {$26.00} and another one after 3 days XXXX XXXX $ XXXXand the worst part is that i havent received the product. Theyre taking so much money now and i dont like it.I want to cancel it but they havent replied yet and its hard to contact on customer service. 


Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 
Explore Customer Portal If you have any questions you can chat with us ( Monday - Friday XXXX XXXX  - XXXX XXXX, Saturday XXXX XXXX  - XXXX XXXX  MT ). 
Sincerely, Acima Credit | Customer Service Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 

Dear XXXX XXXX, Thank you for your renewal payment of {$50.00} related to your recent transaction at XXXX XXXX XXXX XXXX - B. The details of the transaction may be found below : Transaction ID : XXXX Rent Payment : {$50.00} Tax : {$0.00} Total : {$50.00} Transaction Date : XX/XX/2020 If you have any questions, please contact our Processing Department at ( XXXX ) XXXX. 

Sincerely, Acima Credit | Customer Service Department
Consumer complaint received 2020-03-14
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: EQUIFAX, INC. (CA)

I RECENTLY PULLED A XXXX  CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

this is about a paypal card by synchrony bank. i overpaid the account in XXXX and contacted them to get a refund, they never sent it. i called to close the account and requested a refund, again they never sent it. i have called no less than 8 times and spoken to " supervisors '' all promise to take care of this but they never do. the amount is over {$4600.00} so its not a minor issue. the last call was last week when i was again promised my refund would be sent out in 3 days.
Consumer complaint received 2020-03-14
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. (CA)

XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/2020.  In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/2020, XX/XX/2020 and XX/XX/2020 remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on Equifax, XXXX  and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (GA)

I have noticed on my credit report that this company has pulled a copy of my credit file on several frequent occasion, stating that I have applied for services or credit with their company, which is totally a fabrication. I tried googling the company to get information to see or what they are affiliated with and I'm still confuse on who they are. 
On my XXXX credit report last year they have 3 inquiries with the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 
I have no new credit or applied for any news services with this company.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Early 2019, I was having problems making my VA mortgage payments. Called WellsFargo ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with WellsFargo - towards the end of the payment program, I started making large payments. 

WellsFargo has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and WellsFargo does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.
Consumer complaint received 2020-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

My recent claim XXXX for non receipt of the service was denied on the grounds of the sellers policies. The refund policy is voided under Florida 's Sellers of Travel Act which is publicly viewable at XXXX XXXX XXXX   XXXX XXXX  XXXX. 

At this point not only has the seller failed to adhere to this act, but has failed to provide the requested refund on the grounds of a refund policy which doesn't adhere to the act in question and hence is not binding. Moreover, this is a service I didn't receive - at all. So, this clearl doesn't fall under any legal gray area of being able to charge for services rendered considering there were quite literally no services rendered. 

The seller also failed to provide a suitable resolution as required by sellers of travel per this act. Moreover, PayPal being the transactional provider is directly liable for upholding illegal practices under this act by means of failing to provide the resolution requested. Specifically, the policy stated by the seller is voided by statuates 559.932, 559.933, and 559.935 The seller failed to provide the requirements to provide a legally binding refund policy under the requirements of statuate 559.932 and 559.333 on both the policy itself and communications. Moreover, the seller is clearly in violation of the violations proposed by statuate 559.935 on multiple counts. The statuate violated which is nuclear to any resistance of this claim is specifically : Statuate 559.935 ( 20 ) even if any of the others weren't true. That alone is grounds. 

I have attempted to resolve this through other means to no avail. PayPal has been given the legal statuates they are violating upholding this transaction between parties as well as what statuates the seller has violated. 

I've opened multiple cases. I've contacted support multiple times during which the agents have given me a " run around '' with no resolution per your companies scripted responses. 

At this point without a resolution and a clear indication that PayPal has no intention of resolving this despite evidence and statuates provided I will be forced to purse this matter further through legal means.
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have submitted numerous Complaints on the Servicing Mortgage Company, and notified the Bank that they claim is the Owner, and asked the Servicing Mortgage Company ( Select Portfolio Servicing , Inc. ( SPS ) to contact my Attorney, as I am under Federal Bankruptcy Protection, thus far they ( SPS ) have not done so. 

Today, I received Phone Calls and Texts from a man that identified himself as XXXX XXXX XXXX ( XXXX ) XXXX-XXXX, of XXXX XXXX XXXX, informing me that he had an Order to do something to the Property at XXXX XXXX XXXX, XXXX, Georgia XXXX, he stated that the property had a Lock box on it? I Texted him the information for XXXX XXXX XXXX @ SPS ( XXXX ) XXXX-XXXX, XXXX. XXXX, and asked him to never, ever contact me again, as the Mortgage Company took possession of that property XX/XX/2017, and the keys were surrendered, and Locks changed, the property belongs to the mortgage company. 

This seems to be an on-going pattern of harrassment by ( SPS ), and this is not a mistake.