davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (FL)

I purchased XXXX  equipment onXX/XX/XXXX by phone and online. I applied for their online credit service through XXXX ( which is owned by XXXX XXXX XXXX XXXX XXXX  which has recently merged with the XXXX XXXX XXXX  as of XX/XX/XXXX ) and was approved for {$3000.00}. The equipment order was placed by me.

I changed my mind within 24 hours and stopped the purchase by phone with XXXX. The equipment was NEVER DELIVERED. I never took possession therefore this purchase never happened.

I contacted XXXX  to let them know that the purchase was a return/refund. The total amount financed was {$2400.00} on XX/XX/XXXXas shown on my XX/XX/XXXX statement. They received and applied the first credit from XXXX on XX/XX/XXXX in the amount of {$100.00} and {$1300.00}. Those credits were posted on XX/XX/XXXX. The next credit they received on 3/8/18 is in the amount of {$580.00}. It has been " PENDING '' on my account online since that date ( see screenshot ). Repeated calls, chats and email messages have been made to get them to post the credit. Their excuse is it takes 45 days to post. That would have been approx XX/XX/XXXX. It is now XX/XX/XXXX and multiple chat and email messages since then have produced no action on the creditors part to post the credit. Meanwhile finance charges are being charged every day since XX/XX/XXXX to my account. Interest on XX/XX/XXXX statement of {$48.00} and on XX/XX/XXXX statement of {$20.00} so far they have charged me {$68.00} in interest for merchandise I never took possession of. I was never made aware of the credit by message, email, on any statement or any other communication. When I chat with them they don't " see '' it until I point out that it is showing online. Then they just repeatedly tell me it will post in 45 days. They have deceptive financial practices and should be investigated and indicted for harming their customers.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

I am submitting this complaint today to have my credit restored and to inform CFPB about this companies misconduct. I had a Wells Fargo Account ref # XXXX. The account has been closed and Wells Fargo is attempting to pursue collection activities by updating the balance every month on a debt that is past the statute of limitations. This misconduct had damaged my credit more than legally permissible which is a violation of FCRA. Attached to this complaint is a copy of small claims suit I filled up and readied to be filed if the issue will not be resolved with CFPB 's intervention.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?
Consumer complaint received 2018-06-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

XX/XX/2018 I am the cosigner on the loan. I am on Social Security and can't make the payments. My daughter has try to work with them to lower payments and they say she doesn't qualify. They are threatening to put a lien on my home.
Consumer complaint received 2018-06-03
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. (WA)

I have a fixed rate of 6 % on my citi credit card. Several years ago, they changed some terms ( raising the rate ) and the offer stated that if I rejected the new terms, they would close my account, but the rate would remain at 6 % until I paid off the card. The rate has steadily been creeping up and now it is at 7.49 %. When I contact them about it, they tell me I have to open the account again, to even negotiate a rate with them! They are not upholding the original deal, which I had no choice but to accept, by the way. I pay on time and have an excellent credit score.I want my 6 % rate back, as I was promised. Thank you.
Consumer complaint received 2018-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX my Wells Fargo account says my due date for a personal loan is XX/XX/XXXX and the amount owed is {$270.00} So XX/XX/XXXX you make a payment for {$350.00} ( 59 days before due ). After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

So I email Wells Fargo and on XX/XX/XXXX they respond. Our loans are only able to be paid ahead more than 60 days. Mine was done 59 days which is under the 60 days mentioned. 

So I wait a few days and on XX/XX/XXXX I make a {$300.00} payment. After processing the due date remains XX/XX/XXXX and the amount owed is {$270.00}. 

I emailed Wells Fargo again and on XX/XX/XXXXthey respond Your personal line and loan can only be paid ahead 60 days. If it is more than 60 days, your payments will be applied to principle only payments. 

Yet XX/XX/XXXXwas 45 days from my due date well within the 60 timeframe. 

So I go to Wells Fargo in XXXX XXXX Mn on XX/XX/XXXX to talk to a banker. The Banker does some research and calls a Wells Fargo Office somewhere. He tells me there was some kind of glitch on their end and isnt sure why things were not changing. 

The good news he tells me is that an automatic transfer from my bank account to the loan in the amount of {$270.00} is still set to go for that day. 

In other words Wells Fargo forced me to pay {$920.00} for a payment of {$270.00}. 

The glitch was Wells Fargos problem not mine. Was given a due date and a payment amount and twice I paid within those guidelines and Wells Fargo refused to honor it.
Consumer complaint received 2018-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX Re : INCORRECT ANNUAL ESCROW DISCLOSURE STATEMENT for borrower paid mortgage insurance, XXXX XXXX XXXX, CA ; Account ***** ; Loan number ******. PMI INSURANCE WAS DELETED FROM MY LOAN effective XX/XX/XXXX. 

Dear Annual Escrow Statement Person, I went through considerable time and effort to remove the PMI, including hiring an appraiser on my own dime. As a result of that effort, I received the enclosed letter date XX/XX/XXXX cancelling my PMI Insurance based on investor guidelines. See EXH 1 - Letter cancelling PMI. My home is worth twice as much as I owe. 

Imagine if you were me and the disappointment you would feel if you found LoanCares Annual Statement showed disbursements to PMI Insurance when you had cancelled the PMI. See LoanCares Annual Disclosure Statement, dated XX/XX/XXXX. 

I would appreciate if LoanCare would remove those PMI charges ( and any other inappropriate charges ) and send me an Amended Annual Disclosure Statement reflect the appropriate charges. I need to know how much I really owe LoanCare so I can make appropriate payments ASAP. 

This overreaching must not continue. 

Best Regards, ******, XXXX  XX/XX/XXXX Cc : file
Consumer complaint received 2018-06-03
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. (AL)

I have submitted multiple times to Equifax to remove multiple accounts that are not mine to my knowledge and a result of fraud. Ive sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed a FTC report and also an police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX and XXXX XXXX removed from my credit report or send debt validation of these accounts.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Richard J. Boudreau & Associates, LLC (IL)

On Wednesday,  XXXX   XXXX  at approximately  XXXX , I received a phone call from a gentleman claiming to be from  XXXX   XXXX   XXXX  stating that they had a summons that they needed to serve me for a lawsuit and asking the best way to reach me at my job. I explained that I was not aware of any pending lawsuit and that if I am to be served the police would know that process. He then explained that he could give me the information from the attorney for the plaintiff and I could contact them to possible place a hold on being served at my workplace and the embarrassment that would come f rom that. He stated that this " servicing '' was to go out soon so they would only be able to hold it for 24 h ours while I contacted the company. I took the information for a  Richard J. Boudreau & Assoicates, LLC., a p hone number of  XXXX  and a case number of  XXXX .   I contacted this law firm and spoke with a  XXXX   XXXX . He stated that there was a case brought against me for breach of contract and check fraud and another claim i can not recall from their client. I asked who the client was that I owed money to. He stated that the original creditor is a company called "   XXXX   XXXX   XXXX   '' and I entered into contract with them in  XXXX  of  2014 . I stated that I didnt recall and asked for additional information in regards to this case and asked if this   XXXX   XXXX   XXXX   company was their client. He stated he didnt have any additional information but that I could contact them and he would tell their legal department to place a hold on my case fo r 24  hours. The following day, they contacted on my work phone and spoke with an associate of mine and told her that myself or my attorney needs to return their call. I returned the call, asking for  XXXX   XXXX  and let him know I would be recording our phone call. At that point, I asked if I could receive the spelling of his firm and address. He then became extremely aggressive and began yelling at me refusing to answer any of my questions. This went on for a while until he hung up on me. I again called and asked for the address and correct spelling of this firm. Again, he became angry and aggressive and yelled at me. I looked through my personal voicemail log and heard a number of messages where this company never informed me that they were attempting to collect a debt but that they had a legal matter they needed to discuss with me. I want them to stop contacting me at my workplace and provide the proof of debt and information I requested.
Consumer complaint received 2018-05-10
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. (PA)

Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EQUIFAX to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '', " XXXX XXXX '' " XXXX XXXX   XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know.

Reporting Accounts : 1 ) XXXX  XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 2 ) XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 3 ) XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Thank you for your assistance in resolving this matter. 

Regards,
Consumer complaint received 2018-06-02
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. (IL)

On the day of XX/XX/XXXX i notice a bankruptcy was placed on my credit report at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX as a result from when i went to speak with an attorney considering filiing, However, i didn't retain the attorney nore did i follow through with the bankruptcy, upon noticing this i reached out to XXXX, Equifax and XXXX  between XX/XX/XXXX-XX/XX/XXXX i was notified of the removal after there investigation, shortly after Equifqx said that information was veriied. I than reached out to XXXX XXXX XXXX Clerk of Court in response of the verfiy procedures with credit reporting agencies and there respond was that the court do Not perform any activities with the credit bureaus. I have never filied Chp XXXX or Chp XXXX i only inquired.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a Corporate credit with Bank of America. I've heard that they and XXXX, are going to be denying banking services to companies and small businesses that are related to legal firearms and firearms related businesses. 

I'm in the process of lobbying my company, who owns the credit card accounts to close all of them, for all of our employees. I feel very strongly about this as do my company owners, but we have not made the decision to do so, yet. 

For Banks to take this approach is disgusting! These businesses are law abidiing! This approach denies our 2nd Amendment rights and is discriminatory and in violation of State and Federal laws. If Banks can arbitrarily impose these kinds of restrictions on law abiding persons and companies, whats next? 
Its also my understanding that these two bank received several billions of taxpayer dollars a short, ten years ago to bail them out of billions of dollars in debt that they were partially responsible for having created! How dare they stick their fingers in the eyes of millions of taxpayers and their customers with these faulty polices. 

I ask they these banks be reprimanded and forced to revoke these policies
Consumer complaint received 2018-04-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have disputed this debt multiple times yet you keep saying its my de t. I need debt validation. Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt and it needs to be removed from all 3 credit bureaus asap n not to pop up again.
Consumer complaint received 2018-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I closed a checking account from Chase bank in XX/XX/XXXX over the phone. They said they would mail me the remaining fund through a check. The check never arrived. I tried to resolve this over the phone, and visit the local bank branches many times. Now it's XX/XX/XXXX and I still haven't get my remaining fund.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX XXXX and this account does not belong to me
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2018, I was paying some bills including two of my Bank of Americas. I noticed on the site that only three of them were present, so I immediately called them to see what happened and they told me all six of my accounts were closed. A few weeks before I payed off some of them by doing a balance transfer. Most now have a XXXX  balance. They couldn't give me any information but mentioned a certain department to contact. The Specialties account review unit. All of my accounts are in good standing I've never had any late payments. In the past, I've had to complain about customer service. I told them I've been with a company to work on my credit score.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

They are reporting an unvalidated debt on my credit report and I sent them a letter on XX/XX/XXXX requesting validation of this debt. They have not sent me anything to meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

I have requested the following -- all of which they have refused to supply : " What the money you say I owed is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : '' They responded to me on XX/XX/XXXX saying to contact the credit bureaus which I have several times and they tell me it's verified but will not supply proof of this verification. They tell me to contact the company and then the company tells me to contact the credit bureaus -- we are just going in circles at this point and yet no one has supplied me any validation of this debt.
Consumer complaint received 2018-06-02
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: CITIBANK, N.A. (VA)

This account has been disputed several times to XXXX, XXXX, and CITI-CARDS and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and XXXX   is also reporting identical data. 
CITI BANK NA sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from CITICARDS CBNA ; a similar affidavit was mailed to XXXX   with a notary of the public page completed in blue ink. Both XXXX and XXXX failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and  Proof-of-Verification. The credit bureaus ( XXXX XXXX and XXXX ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX XXXX XXXX ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to CITI-CARDS to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for CITI to notify me of their refusal to comply, nothing was sent to me by CITI indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by CITI and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, CITI has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. XXXX  and XXXX have been notified to block this account under FCRA Section 605B.