davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (OK)

I set up a payment plan through my credit card Chase XXXX XXXX XXXX plan. The agreement was for {$2200.00} to be paid back in XXXX installments at {$95.00}. This plan was started on XX/XX/2023. The problem is we attempted to purchase a trampoline for {$1000.00} we waited almost a month and the company never reached out or anything so we disputed the payment and we were refunded the money. Now we have the Credit Card set up to automatically pay the interest savings balance every month. The refunded amount should have gone back into the account to pay off the monthly balance, however ; they applied it to my Chase XXXX XXXX XXXX XXXX account and now the balance is higher than it should be this month. They have stated that there is nothing that can be done once the money is allocated to that payment plan when I never intended for the money to go there. Now this month the interest saving balance is super high and should not be and that balance should have never been allocated like that without my consent. I believe they did this acting in bad faith to get out of a 0 % interest payment plan that they had offered and established and believe this is predatory in nature. There absolutely should be a pre authorization to apply payments like this.
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (UT)

XXXX XXXX XXXX WAS DISCONNECTED WITH THE RETURN OF THE EQUIPMENT RETURNED TO THE COMPANY ON XX/XX/year> AND COMPANY BILLED {$51.00} AND AN EXPLANATION ON THIS CHARGE WAS NOT DETERMINED TO BE CORRECT FROM XXXX.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

I had a trial offer for home internet from XXXX. They sent me the equipment, i set it up, it didnt work well. So i packed it up the same day and called XXXX to cancel. They said fine, and gave me a label to send back the equipment. Two months later i got a bill for {$45.00} and they are demanding payment. it was a trial offer explained clearly in the offer. I have received multiple notices etc. i tried to call but they wont access my account without a pin, which i dont have because it was just a trial offer which i never completed. They need to stop bothering me for the {$45.00}. they are harrasing me now. 

AmSher Collection Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DE)

Out of the blue, on a day when i hadnt used my Venmo account ( XXXX XXXX XXXX in a few days, I received an email that my account was restricted on XX/XX/XXXX. Upon inquiring with the business, they then sent me various articles automatically like this would help the issue. I escalated a claim and received a case manager named XXXX XXXX on XX/XX/XXXX. He specifically asked me to upload a copy of my drivers license. At this point zero explanation has yet to be given to me as to why they arbitrarily disabled my account. 

After I uploaded the documentation - the same man " XXXX XXXX. '' said that wasnt good enough ( after clearly asking for just the id ) he now wanted me to send a picture of me holding it .... I have worked in XXXX for XXXX years ... this isnt a thing, if it has become a thing it is massively risky to the company holding this information in the event of a data leak as this could be used to steal my identity in totality. When I pushed back and asked questions I was basically told to do it or dont use venmo. Again, no explanation as to why this is happening. But during this time, {$160.00} balance was unaccessible to be withdrawn or sent. This is a direct violation of various banking regulations such as the Expedited funds availability act, or 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ). If they are going to act like a bank they need to be held to the same standards. 

As of writing this XXXX MONTHS later, my account is still suspended. I uploaded the proper documentation and am talking to a lawyer about sueing PAYPAL, parent company of Venmo for disparate treatment and the copious bank regulatory violations they have committed during this time.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (NC)

I checked my credit report and inaccurate information is there... I went to this school XXXX XXXX  not even a full semester and I see a bunch of loans taken out. I went to the university  to clarify what was going on. The Financial Aid officer 's name is XXXX. I do not remember her first name. I approached her and the school officials. Nothing was done. Apparently she took out loans and was using them for her benefit and none of my payments went to the school. I told them to remove all of those loans and nothing I mean nothing was done.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have been attempting to liquidate this property since XX/XX/XXXX. Select Portfolio Servicing Inc. knows this, as I have made them aware of my intentions to sell the property. I obtained a contract on XX/XX/XXXX. The sale fell through because SPS continued moving forward with foreclosure action, and the buyer believed the deal was insecure. I wanted to let you know that I expressed the need for a hold on account of the foreclosure action ; however, it happened a little too late, and the buyer canceled the purchase contract. I had to locate a new buyer, which took me some time. I let SPS know that the intention was still to sell the property and actively try to complete the contract 's ratification. SPS, however, has been hell-bent on foreclosing on my property. They know I am a senior citizen with limited resources going through a very difficult time and separation. SPS is attempting to take advantage of this situation and steal my equity by foreclosing on my home. I have had a ratified contract since XX/XX/XXXX and have provided this to SPS. SPS stated they would cancel the scheduled foreclosure sale date of XX/XX/XXXX so that the ratified purchase contract can go to settlement on XX/XX/XXXX. This sale would pay off SPS and allow me funds to help support myself in my senior years. PLEASE HELP ME!!! Don't let SPS take advantage of me.
Consumer complaint received 2024-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I was part of the XXXXXXXX XXXX XXXXXXXX lawsuit against the XXXX XXXX for school misconduct and predatory practices. My federal loans are also being discharged through the recent BidenXXXX case against the XXXX XXXX for the same reasons. I was advised Navient was also allowing private loans to be discharged under this same premise. I filled out all the documents and provided all the supporting documentation I had but the discharged through Navient was not approved and no additional information was provided.
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MS)

I have a debt with Procollect from student living apartments that I lived in. Im also in the military. I provide the apartment complex my orders because I had to leave and travel to other states during COVID. So I presented them my orders, they allowed me to break my lease and I moved out. Years later I get a notification saying I have a XXXX debt with them. I provided procollect all the information they needed and to show that I did everything on my end. They still are trying to collect this debt and it is messing up my credit and I just want it removed. If I owed I would pay but I dont owe anything. Also the dates in question are from XXXX to XXXX of 2021 which my orders show. I have other orders to show I was constantly leaving which is why it was best for me to move out.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I made timely payments on a mortgage with Select Portfolio Services XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXXXXXX  until XX/XX/XXXX. I filed bankruptcy in XXXX  that was successful and again in XXXX  which was unsuccessful, but this obligation stopped showing up in my credit reports. 

I have made on-time auto loan payments to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and am still making on-time payments for this loan. This, also stopped showing up in my report.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IL)

I have two discover cards. One of my cards back in XXXX apparently had a late payment because there was a return of funds. I contacted Discover about the issue and set up a payment immediately because I was never informed that there was a late payment. Now in the month of XXXX, I have another late payment on another card with Discover. I was surprised because I make all my payments on time and the account was on Autopay. The representative told me that the payment was rejected in XXXX and then autopay took XXXX XXXX  less than due causing the payment to be late. I have never heard of Autopay taking a partial payment. She then reviewed my account stating communications had been sent to XXXX. This is my father 's phone number and I have never given discover his number, muchless to place on my account as a point of contact. My phone number has and always been XXXX, I have had this number since XXXX. The late notices were never sent to me because discover someone listed an incorrect phone number on my account and it was just removed this XXXX. I have been with Discover since XXXX and I have never had late payments. I would like the issue be resolved and my accounts be updated to on time to reflect payment on time since this was the fault of Discover. My credit is now negatively affected because of this false reporting.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Key 2 Recovery, Inc. (GA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

There was a payment differed agreement for the month of XX/XX/2023 with TFS for an extension of this payment. The company submitted a late payment to my Credit profile and ive never been late with this this creditor, you can view my previous complaint number XXXX, there is an attach file with the contract and the payment differed agreement that supports my claim.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

My name is XXXX XXXX I have been banking with Wells Fargo since XXXX I might be a victim of a lot of these practices. I haven't received any kind of letters from Wells Fargo addressing any of these. Plus I am a minority that has a home loan with you and tried to get my interest rate lowered and they wouldn't do that numerous times I have had the loan almost 30 years now. Numerous times have you charged me fees overdraft fees for having an account. Account gets hacked a lot credit monitoring services etc. Would like some more info if possible and how to file for compensation. Please Thank you for your time.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I sent a validation of debt letter to Jefferson Capital for a XXXX bill they are reporting on my credit report. I asked them to validate the debt and all they sent me was a copy of an old final bill. The debt was not validated as I asked. I have never had XXXX, I have been with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached the letter I sent to Jefferson and also the letters that they sent back to me in response.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth XXXX XXXXXX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : This amount was over {$600.00} and by law I should receive a 1099c for Tax pupose. I have not received a 1099C or any documents showing I owe you. Please delete and send me a 1099C. 


I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

My old XXXX XXXX Santander Consumer USA incorrectly reported to the credit bureaus that I was more than 60 days delinquent on payments when I was not. My car was deemed a total loss after a car accident on XX/XX/year>, I continued to make my payments until my insurance paid the majority of the loan off, and I paid the remainder amount to pay off the loan in full to be able to get a new car loan taken out from a different lien holder. After paying off my loan in full to Santander consumer USA, they emailed me a Paid in full guarantee letter so I was able to secure my new loan elsewhere on XX/XX/year>. I got a notification from my XXXX that Santander reported my account as more than 60 days past due, and my credit dropped XXXX points when I already paid off my loan to them. I called Santander and they connected me to their platinum team, who, said they would call me back after I told them what happened and I wanted to make sure we were on the same page so when I start a dispute on XXXX, they dont have any more errors they are reporting so I can clear it up and get it removed from the credit reporting agencies. They told me they would call me back after submitting my complaint to the leaderboard within XXXX hours, and they never called. All I want is for a call back that this incorrect information that was reported will be removed and they know it was their error so when XXXX reaches out to them about the dispute, we are on the same page and they agree with my dispute. They obviously have a ton of errors and miscommunication going on with their end internally.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I am writing to inform you that I am a victim of identity theft. I am requesting that you place a fraud alert on my credit report to help prevent any further fraudulent activity in my name. Below are the details of the situation and the steps I have taken to address it :
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Hello, two weeks ago my aunt sent me two transactions using your company in the form of {$400.00} and then again {$400.00} because she was saying it was not working. The date of the transactions was XX/XX/XXXX. You'll be able to see that I transferred the first sum to my bank account in the form of {$390.00}. Turns out my aunt made a mistake on her end and I had to send her back the {$400.00}. Now here is where the issue lies. How come now, Venmo says I owe them {$400.00} even though I sent the money back. I have my driver 's license ID as well as my bank statement to prove that I did not get paid and that I did in fact send the money back. My aunts name is XXXX XXXX and she also had to go through the unfreezing account process. I will attach both pieces of information to this email TODAY to save time and get the process started. You guys also took {$80.00} that I received today and put it towards paying off the {$400.00}. So now please help me ASAP before the long holiday weekend. Let me know if I need to do something else to get my Venmo account TEMPORARILY UNFROZEN. 


I know that this process can be complicated, but I can explain whats happened from our side of things. On XX/XX/XXXX, we received notice that the following payment was disputed by the senders card issuer : payment from - XXXX for {$400.00} on XX/XX/XXXX ( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX. : We disputed this chargeback with the buyer 's card issuer. In this case, the card issuer has decided this case in favor of the buyer. Were unable to dispute further on your behalf. The held funds have been permanently removed from your account to cover this disputed payment. 
( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX : I know this isnt the outcome you were hoping for. We encourage you to contact the sender directly for any further resolution. 
( XXXXXXXX XXXX  ) ( XXXX ) XXXX XXXX : You can find more information and settle the amount owed by following the prompts in the app. Tap Restore your account to get the process started.