davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

ON MY TRANS UNION CREDIT REPORT I HAVE DISPUTED XXXX FOR A COUPLE OF MONTHS. ON MY CREDIT REPORT FILE THAT I HAVE INCLUDED IT SHOWS ON COUPLE OF CREDIT FILE NUMBER I AM MISSING MY LAST PAYMENT DATES. ON SOME I AM MISSING THE TRADELINE ON WHEN THE ACCOUNT WAS OPEN WHICH IT SHOULD SAY OKEY AS PAY AS AGREE FOR XXXX. THE LOAN PERIOD IS FOR 66 MONTHS. I HAVE MADE PAYMENTS FOR XXXX OF 2016, XXXX OF 2016, XXXX OF 2016 XXXX OF 2016 AND XXXX OF 2016. ON MY CREDIT REPORTS IT BOUNCES FROM MISSING XXXX PAYMENTS TO MISSING XXXX PAYMENTS. I HAVE DISPUTED THIS WITH THE CREDITOR XXXX AND THEY STATE THEY UPDATED MY CREDIT FILE. THEY HAVE PAYMENTS TO SHOW THAT I HAVE MADE FOR THE MONTHS IN QUESTION. THE BALANCE ON THE ACCOUNT IS WRONG. AS YOU SEE ON THE CREDIT FILE THE BALANCE GOES BACK IN FORTH. THE BALANCE THE CREDIT SENT ME IS ACCURATE. I WOULD LIKE TO HAVE THIS ACCOUNT UPDATED. SHOWING MY PAYMENTS CORRECTLY. MY XXXX THAT WHEN THE ACCOUNT WAS FIRST REPORTED AS PAY As agree ALSO MY XXXX XXXX XXXX XXXX AND XXXX PAYMENTS. THE BALANCE OWE IS XXXX. THAT THE CORRECT BALANCE. ON MY XXXX XXXX ACCOUNT. I AM MISSING MY XXXX AND MY XXXX PAYMENTS. THE BALANCE IS NOT CORRECT. I HAVE DOCUMENTS TO SHOW PROOF OF THE CORRECT BALANCE AND MY MISSING PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS OPEN ACCOUNT NOT A CLOSE ACCOUNT. THIS ACCOUNT IS REPORTING DATE CLOSE XX/XX/2016. I SHOULD HAVE XXXX OPEN ACCOUNTS ON MY CREDIT REPORT. I AM DISPUTING ALL. I HAVE DOCUMENTS TO SUPPORT ALL OF WHAT I STATED. I AM DISPUTING MY XXXX BALANCE MY MISSING PAYMENTS HISTORY ON XXXX XXXX I AM DISPUTING THE BALANCE, MY MISSING PAYMENT HISTORY FOR XXXX AND XXXX AND I AM DISPUTING ON THE STAIC OF THE ACCOUNT. OPEN ACCOUNT
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Hello, I have filed a complaint with Wells Fargo on XXXX XXXX about my checking account.They told me they will answer me within 5 days and they never did. I have made multiple calls and none of them gave me a decent answer. What happened was that I got charged twice at the university for my tuition, so Wells Fargo refunded my money. The university for some reason gave me extra money on that matter, but I had to pay them back. On XXXX XXXX, XXXX University deposited {$410.00} in my checking account and that is the money I have to pay them back. It is included on my tuition and i have proofs. On XXXX XXXX, Wells Fargo took {$410.00} out of my checking account. I have filed a complaint and worked with a banker in town and have not solved the problem. I have reached out to the Vice-president of the Business Office of XXXX University regarding that matter. She told me she has contacted Wells Fargo and still has no answer. I am very upset with the situation and have tried everything I can. I have contacted the FDIC and they preferred me to you. 
I 'm looking forward to hearing from you. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-11-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCullough Payne & Haan, LLC (GA)

COMPANY DEMAND PAYMENT ON ACCOUNT OUTDATED SINCE 2007, NOT MY ACCOUNT, PAST THE STATE LIMITATION TO COLLECT PER OCGA 9-3-23 AND 9-3-25
Consumer complaint received 2016-11-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One had their attorney XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX in XXXX a settlement agreement was made to my knowledge of {$1200.00} dollars after paying and being harassed for more money I filed a complaint with your department. after that I never heard from this attorney again. I have recently applied for a home loan and was told this is on my record and has never been settled for {$3600.00}. I spoke with XXXX on XXXX I.D . # XXXX who said this acct was opened in XXXX thru XXXX after which I believed it was closed. She told me it was not closed and that the last payment they received was in XXXX but would not say for how much. I am asking that this matter be settled and my credit report and court report be brought up to date. I was given a settlement amount and once I field this complaint all of sudden I am being told I owe over {$3000.00} dollars. Any help given to resolve this matter would be greatly appreciated.
Consumer complaint received 2016-11-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sullivan Asset Management, LLC (NV)

I called to make a full payment on a old debt account that I have reported on my credit. I have been in previous contact with this company XXXX for a XXXX XXXX account in the amount of {$310.00}. My representative there is XXXX, she said she could n't wave any amount of it and I needed to pay it back in full so I told her that I will pay it back but at a later time when I get more money saved. I now had the money to pay it off so that I can have it off my credit report. Called the number which I thought was the correct company, I asked for XXXX and the lady who answered said that she was in the office at time moment and that she could help me. I confirm my account and the balance amount of {$310.00} and she took my payment over the phone and said she would forward this to my account representative XXXX and that I should received a confirmation of payment and that It would be updated within a few weeks with all XXXX credit bureaus. On XXXX/XXXX/2016, my credit report updated and I didnt see this account update. I called XXXX and they said I didnt make the payment and I told them yes I did, I called made it on or around XXXX XXXX, 2016. I went thru my emails and I found a receipt for a " Sullivan Asset Management ''. I do not have any knowledge of a account with this company and the payment made was not intended for this account. It was specifically for my XXXX XXXX XXXX account for {$310.00}. I have been mislead to pay an account which I have no knowledge of and this company misrepresented themselves as to have me believe I was paying the correct account that I have reported on my credit report. I saved up money to pay the account that I owe and is being reported on my credit and I am in disbelief that I was mislead to pay a completely different account. I am not trying to hide form any debts but this company " Suliivan Asset Management '' misrepresented themselves in order to received a payment that was n't intended for them. I called Sullivan Asset Management this morning XXXX/XXXX/2016 and used the phone number that was on emailed receipt. The lady I spoke too wouldnt give me her name and said that I was mistaken because there is no XXXX here. I explained to her that this was misleading and a mistake. When I made my payment I confirmed the amount owed and who was my representative. She once again just told me that I was wrong and that there is nothing she can do. Again wouldnt give me her name. I have now paid into the wrong company because they misleading me into believing I called the correct place.
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (WA)

Old landlord is attempting to collect a debt from 2014 for missed rent. After moving out, all deposit money was returned. Landlord took us to small claims court. Judge gave a judgement and the judgement was paid for. Landlord continues to attempt to collect a false debt.
Consumer complaint received 2017-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

I travelled to XXXX XXXX XXXX XXXX for one evening. I went out to dinner with friends and used the ATM machine twice either at the restaurant or ATM machine my card was skimmed. THe perpetrators were able to use my PIN and withdraw funds from multiple locations within minutes of each other. At the time these transactions were taking place I was on a bus back to the airport. ALl supporting dicumantation was given to the bank manager. Originally my claim was denied, one purchase was blocked but was then approved on the second try. The bank has not contacted me when I asked to escalate to a supervisor and no transaction or other records have been forwared to me as requested. My account have always been in good standing and this is a business account. 

I flew out Saturday and back to XXXX on Sunday, my flight left at XXXX XXXX and I supplied a bus ticket receipt for XXXX departure. I notified the bank the very next morning but they said they could nto do anything becasue the cahrges were still pending.
Consumer complaint received 2017-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unlimited Progress Corp (IL)

XXXX of XXXX : I have an XXXX done on my shoulder to determine if I need XXXX. This is done at XXXX XXXX XXXX in XXXX XXXX, IL. 

XXXX is done, and this all gets billed to insurance. By XXXX of XXXX I have all my bills situated, and run through insurance, have all the statements for what 's due in hand. 

Come XXXX of XXXX I get a bill for XXXX from XXXX Diagnostic Imagining for my XXXX, warning that this bill will be sent to collections if not paid by a date in XXXX. This was the first bill I ever received from them, so I paid it the first week of XXXX. 

Fast forward to XXXX of XXXX I get a collections notice in the mail from XXXX XXXX and XXXX XXXX in XXXX, IL. I filed a claim with transunion claiming I payed the bill, but XXXX XXXX never removed the claim from my credit history. I also sent them a certified letter the first week in XXXX with proof of payment to the original company and they still have not removed my collection from my credit history. 

This never should have been there in the first place, and my credit has taken a huge hit over a bill I payed, and now the debt collector refuses to remove it.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (SC)

I am very upset and concerned with my bank Wells Fargo who refuses to help my wife and I on our financial delima. I 've been a loyal customer for 30 years and my past credit rating was excellent until just recently since my wife is no longer able to work. She has filed for XXXX which will take quite some time which does not help us right now which we need desperately. Our car is in repo status and we will not be able to make next months house payment due to XXXX that an XXXX has to remove from my mouth which is very costly. I only owe XXXX dollars to pay of my home and it is appraised by Wells Fargo for XXXX dollars. It is beyond me why Wells Fargo is unwilling to let me access some of my equity to keep us from loosing our home and our car. I do n't understand why Wells Fargo will not help us since our credit has gone down hill recently. If they would just review my past credit history which I 'm sure that they have not, maybe then something could be resolved to get us the help we need. My name is XXXX XXXX XXXX. My email address is XXXXXXXXXXXX and my cell number is XXXX. Hopefully this complaint letter will make Wells Fargo see that they are in the wrong by treating a valued customer as myself and do the right thing and help us on this matter.So many times in the past my bank has helped me out and my question is when I need them most, why ca n't they help me now. XXXX XXXX
Consumer complaint received 2017-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I found this debt listed on credit report, therefore I sent a dispute letter in accordance of FDCPA and Texas Debt Collection Act on XX/XX/XXXX ( attached ). On XX/XX/XXXX I received this response ( attached ), requesting more time. National Credit Adjusters continues to report this debt on my credit reports so I have disputed to the bureaus as well, according to FCRA. They are violating FDCPA, Texas Debt Collection Act, and FCRA.
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NH)

Care Credit/Synchrony Bank notified me that a promotional expiration date was expiring but did not notify me that I needed to 1. Make a payment to pay off the promotional balance of {$920.00} separate from the monthly payment of a total balance of {$2600.00} all of which was accrued for dental related services.
2. The interest charge was retroactive and totaled {$460.00} on a principal of {$920.00}. If Synchrony Bank had made it clear to me that I needed to make a separate payment to pay off the balance so as to avoid these high interest charges, I would have made the payment. The notification was cryptic and confusing and I believe reflects a deceptive practice on the part of Synchrony Bank.
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Notified by Capital One Credit Fraud alert the new credit card application was submitted under my name. 
I or any relative have not made a new credit application. 
I notified XXXX credit XXXX, XXXX, and XXXX credit bureaus and placed a credit alert.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (AZ)

SENECA MORTGAGE SERVICING XXXX XXXX XXXX XXXX, NY XXXX REQUEST : SENECA TO STOP COLLECTING PMI, AND REFUND ALL PAID PMI Our mortgage loan from XXXX was transfered to XXXX XXXX XXXX XXXX ( XXXX ), on XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) according the PROMISSORY NOTE reduced all ESCROW COLLECTIONS FROM {$200.00} to {$87.00}, for period until XXXX XXXX, and ELIMINATED Private Mortgage Insurance ( PMI ). An ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT was sent to us, from XXXX on XXXX/XXXX/XXXX, with effective XXXX/XXXX/XXXX, and monthly payment {$940.00}. Shortly thereafter, XXXX transferred servicing right to SENECA MORTGAGE SERVICING LLC. 
On XXXX XXXX SENECA confirmed this transfer, and WROTE THAT NOTHING WOULD BE CHANGE IN OUR LOAN. We paid monthly {$940.00} monthly to SENECA ( look Mortgage Statement from XXXX XXXX ). 
But, later began to send letters for payment, and without any reason ADDED PMI, AGAINST THE PROMISSORY NOTES, INCREASED EVERY FOUR MONTHS, OUR MONTHLY PAYMENT, ANY OUR REMARK OR REQUEST TO STOP INCREASING THE MONTHLY PAYMENT, SENECA IGNORED! 
PMI is not INCLUDED in PROMISSORY NOTE, and SENECA HAS NOT RIGHT TO TAKE THIS. 
In the letter from XXXX, from XXXX XXXX is this explaned, also! 
WE ARE ENTITLED TO A REFUND OF ALL PMI PAID! 
IF SENECA AGAIN IGNORED TO SATISFIED OUR REQUEST, THIS CASE WOULD BE ACCORDING ARIZONA DEPARTMENT OF FINANCIAL INSTITUTION, SUBJECT TO THE COURT! 

******** AFTER THIS LETTER, WE CONTACTED XXXX XXXX, AS LOAN GIVER-INVESTOR TO HELP US, BUT XXXX XXXX NEVER GOT ANY ANSWER FROM SENECA. 
We pressed SENECA, TO STOP INCREASING OF OUR MONTHLY PAYMENT, XXXX ASKED TO RETURN ALL IRREGULAR TAKEN MONEY FOR ADDED PMI IN OUR LOAN, BUT WE NEVER GOT ANSWER FROM THEM. 
ON XXXX, we got the letter from SENECA , THAT SENECA SOLD-TRANSFERED OUR LOAN TO " XXXX '' MORTGAGE LLC. ( look letter from XXXX/XXXX/XXXX ). Probably to avoid following consequences! 
We contacted XXXX XXXX in XXXX, XXXX and XXXX many times but they could not do anything. 
In between, XXXX asked for payment the loan, and never want to TALK WITH US. WE WANTED NO TO BE LATE WITH OUR PAYMENT AND SENT PAYMENTS, FOR THESE MONTHS, to " XXXX XXXX ''. WE ARE NEVER IN ANY DEPTH AND NEVER LATE WITH OUR PAYMENT. 
iN FACT, SENECA TOOK MORE MONEY FROM US, ADDED PMI, since XXXX XXXX to XXXX XXXX. We need this money back, and all reduction in our loan.
Consumer complaint received 2017-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Approximately, XXXX weeks before XXXX XXXX, XXXX when the transaction for the amount of {$530.00} from XXXX XXXX XXXX XXXX DFS ) on behalf of the account ending in # XXXX was charged to my Bank of America checking account, I remember receiving a call from the XXXX representative while I was driving back home from the University XXXX Texas, XXXX. During that conversation, I recall the representative asking me to set up a payment plan for my credit card account then existing with them XXXX DFS ), which had been already delinquent for the past few months. I remember saying to him that I did not have the funds required to make the payment and asking him instead to call back in the next XXXX weeks or so to discuss the payment. He/She would not budge and kept pressuring me to reply in the affirmative. Suddenly, the call got hung up. The next thing I know was that they ( DFS ) had already charged my checking account for the specified amount without my explicit authorization. I also remember contacting both BoA and DFS regarding this transaction to no avail, and the BoA representative instead referring me to the XXXX for reversal. There was nothing else I could do and found myself absolutely helpless. All the while, the non-sufficient fees and the overdraft fees charged to my checking account kept piling up, and by the end of the year XXXX, had already accumulated to {$1200.00} and {$1100.00} respectively, amounting to the total amount of fees charged for the year being {$2300.00}, as per the BoA statements enclosed herewith. 
Please be also aware that the BoA ended up closing my account in XXXX of XXXX with a negative balance of $ XXXX as of XXXX XXXX, XXXX.
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC (NC)

I was a XXXX customer for 8 long and frustrating years. I had little to no signal and experienced XXXX dropped calls & choppy calls. After years of " we will add new towers in your area soon '' I switched to XXXX. XXXX sold me a phone w/LTE technology. They PROMISED me the new technology would solve my connection problems. They switched to XXXX technology the same week that they sold me the phone. They sold me a useless phone. This same phone was stolen from my shop 2 weeks after I switched. I had it blocked. I also discovered that I had been paying on a phone that I paid for in full at date of purchase. 6 months of wrongful payment for the XXXX phone. I was told I owed on the phones. The cust serv rep at XXXX ASSURED ME they would waive IN FULL the phones ( again, one I had already paid for ) upon termination of service. At that point I owed {$280.00}. I offered them {$140.00} to resolve the issue. The other {$140.00} was ONE DAY ( less than 24 hrs ) of service into the next billing cycle. I offered a prorated payment of {$250.00} to cover the extra day. They refused. My offer to pay the {$140.00} still stands, but all credit references must disappear with said payment, as well as all calls from debt collection agencies and all of their annoying robocalls. They now say I owe {$830.00}. Please understand that " what i owe '' is many numbers. When I call I can get as many as XXXX different " you owe '' totals. Its all XXXX. I " technically '' owe them less than {$140.00}. Im no longer interested in paying the {$140.00} as they have cost me far more than that in aggrevation. I was a customer for 8 years with NOT ONE SINGLE LATE PAYMENT EVER for crying out loud, & aside from this issue I have PERFECT credit. They have sent this " fictional debt '' to many different collection agencies, all of which have harassed me relentlessly. The calls are all hours day and night, even at XXXX and XXXX XXXX. They have hindered my sleep and caused me financial loss. I would like to seek retribution. I have an attorney of my own that knows me well. I am also getting dozens of robocalls daily. One happened at XXXX as I typed this. Conclusion : XXXX has been sued by many agencies for many dishonest practices. This is just another example of their dishonest business tactics. 
XXXX if you SAY you will waive the phones, and SAY " your phones are waived. You no longer owe on the phones '', THEY SHOULD ACTUALLY DO IT!! 

The " imaginary debt '' has been sent to Maury Cobb & Associates LLC. 
Id also like to say since I switched to XXXX my life has vastly improved. My customers can actually hear my voice. Ive experienced less than XXXX dropped calls, I have coverage EVERYWHERE, and I get cell phone reception, not excuses. I should have switched 8 years ago.
Consumer complaint received 2017-08-27
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: SYNCHRONY FINANCIAL (IL)

I filed my first complaint on this company XXXX/XXXX/XXXX. My complaint number is XXXX for items that were purchased on XXXX in the amounts of {$280.00} & {$320.00}, They waive these items but did not reimburse me for the whole dollar amount. Which should have been {$600.00}. They only reimburse {$480.00} and then they applied an unauthorized charge of {$450.00} to my account. I 'm providing my XXXX statement as my proof.On my XXXX statement, an item that I purchased on XXXX for the amount of {$1100.00} had a current balance of {$960.00}. I noticed in XXXX that same item had gone from {$960.00} to {$1100.00}. This item was purchased on a promotion and should not have incurred interest or even went up in price that only thing I did was make a payment for {$32.00}. I have included a copy of my XXXX purchase invoice. I reached out to XXXX XXXX XXXX XXXX around XXXX and around XXXX she stopped returning my calls.My current balance on my statement says {$1600.00}. But, I noticed when I add all my items up it 's only {$1500.00} that is a difference of $ XXXX.Since XXXX I have been getting the run a round on non-promotional balances and so call interest incurring on them. My statement does n't show and I was told I do n't have any non-promotional balances. But when customer service ca n't explain the interest that 's on my account they try and say it 's a non-promotional balance but ca n't tell me what the item or balance is