davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This account was opened and I placed an order online. I was sent the incorrect items and when I contacted the company I was told I was being refunded, which wouldve brought my account to {$0.00}. They never refunded or emailed proof of refund and apparently never refunded. So Im being charged for things I never received. I did dispute and call this out and they said the charges were similar to those made on the account and would not be refunded. Which was a shock to me as it was my first purchase, so how would a pattern of charges even be established. A ton of charges started coming in on my account totaling around {$600.00}. I did NOT make these charges. When I contacted Kohls in regards to this, I was rebuffed. After contacting them several times with no resolution, I disputed the account and its balance in its entirety to the bureau. It was not removed, nor accurately reported, and has since dragged my credit score down over XXXX points. Ive attempted contacting by phone again and can not seem to get someone on the phone who can even communicate with me effectively. I am seeking legal recourse if not resolved now.
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc. (VA)

Company first contacted me via phone call on XX/XX/2020, however no message was left. 

Company contacted me for the second time via phone call on XX/XX/2020, and left a voicemail stating, " Hi, this is XXXX XXXX. I have an important message from Sentry Credit Incorporated. This is a call from a debt collector. Please call me toll-free at XXXX. Thank you. '' Voicemail did not indicate whom the call/collection was intended for or indicate the nature/amount of any debt. 

This present contact appears to be a violation of Fair Debt Collection Practices Act, herein FDPCA, since I have not received a written validation notice sent within five days of first contact, XX/XX/2020 ( see FDPCA 809 ). 

In the event the telephone calls are for the purpose of acquiring location information of another individual, the present contact also appears to be a violation of the FDPCA since the alleged debt collector has not identified themself in stating they are merely confirming/correcting location information for a consumer, has attempted to communicate with me more than once without my explicit request or provided a bona fide reason necessitating the second contact, and improperly used language indicating themselves as a debt collector in the debt collection business and the communication relates to the collection of a debt in the communication of acquiring location information of another consumer ( " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ... ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ... ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; '' see FDPCA 804 ( 1 ), ( 3 ) and ( 5 ) ). 

On Sentry Credit 's website ( https : //sentrycredit.com/ ), the toll-free telephone numbers listed do not match the toll-free number recited in the voicemail, nor is there a mailing address published for mail correspondence. This call appears to be either a violation of FDPCA or a scam/phishing attempt from a third party.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo website states on their payment page that any account that is paid 3 or more month 's ahead will have additional funds applied to the principal. 

In XX/XX/XXXX I made 5 payments online, each payment was at minimum for my regular amount due. The last payment posted on XX/XX/XXXX was applied to the principal correctly, as Wells Fargo 's website states. 

However, in XXXX and XX/XX/XXXX, both of my payments were applied to my account and interest was deducted before the remaining funds were applied to the principal, even though my account was showing the next payment was not due for over 3 months. 

When I called a representative in around XX/XX/XXXX after I saw my incorrectly posted payment, they were able to reverse and reapply the payment. I was told I had scheduled the XXXX payment for the exact due date so I scheduled the XXXX payment for a couple days earlier than the due date. However this time, the interest that was deducted from my payment was over twice the amount deducted in XXXX. 

I called their customer support line around XXXX XXXX  on XX/XX/XXXX and spoke with a representative named XXXX who placed me on a hold after I voiced my complaint and came back with the explanation that in the year XXXX, their website/payment system did not have the functionality to check if a payment was 3 or more months ahead and apply the funds directly to the principal. I was incorrectly informed that I could setup an automatic payment that would be applied to the principal but when I was trying to walk through the setup over the phone, XXXX feigned that she couldn't hear me after I said I did not see the principal payment only option and disconnected my call. 

If I had not been checking how my payments were being applied after paying ahead over 3 months, I wouldn't be aware of how Wells Fargo was still deducting interest from payments, even though their website clearly states ( XX/XX/XXXX ) : " When you pay more than the total amount due, on or before the due date, the additional amount will pay down your principal balance and will be applied to your next payment due. If your account is paid ahead three months, additional funds will be applied to the principal only. ''
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AL)

I am on  XXXX  and my truck is financed with Chase. This payment is being paid by  XXXX  insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When Chase received the payments to catch it up, they applied one paym ent (  XX/XX/XXXX  ) to the loan and the credit bureau is still showing that the  XX/XX/XXXX  and  XX/XX/XXXX  paym ent are past due. We have no idea what Chase did with our payment and they wo n't fix or tell the credit bureau that we are current.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I paid my card off and went to use it and it was declined. I call rightfully angry cause I paid the entire balance off. They said they were reviewing the and holding it to make sure it wasnt fraudulent. I was XXXX and told them to unfreeze my card I paid it off and it was already pulled from my account. Then they closed all of my accounts says the phone call is the reason why. Thats XXXX XXXX now they hurt my credit and destroyed my chance of being able to buy the house I was getting ready to purchase. They cant just destroy peoples credit and opportunities to buy a home because someone cant provide customer service correctly. This is not right at all and they still owe me money that they havent paid me. I want my money and them to correct their mistakes immediately.
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

The debt is with XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX. I made the first payment in XXXX and it was forwarded to debt collection Wakefield and Associates-XXXX XXXX XXXX, XXXX, TN XXXX, XXXX. First, I tried to clear this negative reported debt to all three credit bureaus. I was successful with XXXX  and it was removed. However, XXXX  and XXXX has not removed the debt stating it is verified as accurate. I called Wakefield and Associates to try and get them to remove the negative report on XX/XX/2020 and spoke with a XXXX XXXX. He stated they could not remove it because it came from XXXX XXXX  XXXX . He stated it was up to the doctor to report the negative information. I asked for the doctor info and he could not give me that info. He said he could send a report asking them to take it off. I have been paying amounts of $ XXXX {$25.00} dollars on the account. I have not missed a payment and do not understand why this is reported on my credit when I am paying. Mr. XXXX XXXX response was that the amounts were too little. I told him it doesn't matter about the amounts as long as the debt is being paid. He agreed and said he will forward this info to request the negative file is taken off my credit file. I asked how long it would be and he didn't really give me an estimate of time. I pay all my debts and have no problem paying. I want this negative report to be removed from my credit file.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

On XX/XX/2024 my information was fraudulently used to apply for credit in my name. I have repeatedly notified Equifax about the identity theft by mailing/uploading a copy of an FTC Identity Theft Report and XXXX  XXXX Police Report along with a copy of my I.D and social security card. After numerous phone calla and coresspondence via USPS and online, Equifax has failed to delete/remove the fraudulent inquiry from my personal credit report.
Consumer complaint received 2022-12-15
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: LEXISNEXIS (PA)

15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (MO)

MY CAR STINKS AND HAS A SMELLY FEET SMELL THAT WONT COME OUT DUE TO HVAC ISSUES AND LEAKAGE. I bought a used XXXX   Benz in XXXX and the car kept leaking, and wouldnt start after a week. After taking the car to get checked my a shop other then the dealer who lied to me because they are the only Benz dealer in XXXX I found out MOLD IS GROWING IN MY CAR from the leak. Upon checking the internet I have learned XXXX has agreed to settlement and knows about the issue. I feel like I was cheated into buying a defective car, which is why I havent sent the payment in. 

XXXX XXXX   XXXX % XXXX
Consumer complaint received 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (MD)

Today, I reached out to XXXX XXXX ( XXXX XXXX ) for better understanding of my situation in repayment. They would not help me. I was sent to a fax number. The second time I called I was placed on hold with no response. I waited. No one answered. I have submitted repayment plans which the amounts will exceed my income. No one will give me a straight answer. This includes all of my student loans. 

Part of my loans were forgiven during the time I was unemployed and waiting in retirement. Even though I was military, worked in public schools, and non profit organizations until XXXX, I was told I never qualified for loan forgiveness. Now the loan amount that was removed during those years of unemployment and homelessness ( XXXX - XXXX ) have been applied back to my account and I am now retired unable to pay what both Nelnet and Great Lakes are asking.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IN)

Chase has closed my account for no apparent reason and it was supposed to been unlocked so I can use again. Its been months and havent heard any news and still cant get in my account. Ive been a good customer and had no problems and need my account back
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RS Clark and Associates, Inc. (TX)

This company is reporting a debt to the credit reporting agencies for an alleged balance of {$130.00}. On  XXXX  I sent a letter to them requesting that they perform an investigation of the account and to send copy of any contractual agreements that they have on file validating that this is a valid debt and that they were either sold or assigned to this account. On  XXXX  I requested this information again because I had not yet received the requested documentation and yet again the company has failed to provide but has updated the reporting with the credit reporting agencies on  XXXX . This company is in violation of reporting an unverifiable debt to the credit reporting agencies, updating a reporting 60 days after the re-investigation and not providing supporting information and failing to notify me that this debt has expired the statute of limitations for my state of residence. I am requesting an immediate deletion of this item from each of the agencies in which it has been reported.
Consumer complaint received 2022-03-25
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 ()

Good day! I need to file a complaint to Paypal for limiting my account without any reason at all. I already submitted all my personal and private documents to them to help me resolve the account limitation issue but still they permanently banned my account which I do have substantial amount of money from their balance. I tried to withdraw my balance recently with all the necessary documents they ask but still they hold my money and refuse to let me withdraw my remaining money from my account. It is been affecting my every living since I have a lot of dues to pay and kids to feed on that money what paypal holds. I am not sure if they are mistaken me from someone else on my account but I'm sure they are. All I am asking is for them to let me have my money withdrawn from them and let them do their job properly. My XXXX account linked to Paypal is XXXX. Thank you!
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX california XXXX Visa card was drained of money and Bank of America has not helped me to complete the process for successfully filing a claim. The following are the dates of the authorize transfers, criminal fraud : XX/XX/2021. {$5000.00} transferred to BANK OF AMERICA account! 
XX/XX/2021 {$5000.00}. transferred to BANK OF AMERICA account! 
XX/XX/2021 {$2700.00} transferred to BANK OF AMERICA account! 


I was already aware that there is rampant fraud on XXXX cards and I had set the parameters of the account as follows : NO ATTACHED ACCOUNTS NO TRANSFERS ALLOWED NO ONLINE TRANSACTIONS NO ATM TRANSACTIONS NO INTERNATIONAL TRANSACTIONS NO USE OF CARD WITHOUT ID And despite all of these parameters the fraud was allowed to occur. 

I have a log of the phone calls today and list of names I have spoken to so far : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX a supervisor. Your supervisor, XXXX XXXX, has put me on hold, for a total of 40 minutes so far, and he put me on hold without explanation, without telling me the plan or what was happening. Please review my account and help me now. The fraud was brought to my attention today at XXXX and I was continuously on the phone with Bank of America XXXX XXXX until XXXX.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

XXXX was the original servicer of my loan ( Mortgage ). On or about XXXX of 2019 my mortgage servicing was transferred without notifying me. I continued to pay my mortgage on time to XXXX as I have always paid all my loans on time and have never had a late payment. On or about mid-XXXX  I received a foreclosure notice from Mr. Cooper and called them right away. Mr. Cooper stated my servicing was transferred to them by XXXX in XXXX and have received no payments for XXXX, XXXX, and XXXX of 2019. I paid XXXX every month on time for these months and have my online payment confirmations to prove this. Little to my knowledge XXXX was accepting these mortgage payments and holding them for 30 days or more and then returning them to my bank electronically. Instead of XXXX notifying me of the transfer or forwarding my timely payments they held them and later returned them. I have repeatedly tried to resolve this with Mr. Cooper and had them do an investigation with no success. I brought the account current as soon as I figured out what happened as I have always had the money to pay all my bills on time. This now has caused me credit hardship, the inability to take advantage of low rates and or make economical future purchases. I would like all late payments to be expunged/removed from all reporting agencies to include XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding and XXXX XXXX are reporting an account from XXXX XXXX account # XXXX in the amount of {$720.00}. This is adversely affecting my credit score. I have written them both a letter on XX/XX/2020, which they received via the USPS on XX/XX/2020, asking for details of this account. XXXX XXXX responded with a letter giving me instructions to contact Midland Funding. I received no response from Midland Funding and it has been longer than 30 days.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

My name is XXXX XXXX and I am a victim of identity theft. I have contacted United Revenue Corp and disputed this alleged debt under the FCRA and FDCPA. As of this complaint United Revenue Corp has failed to remove the debts or provide proof and or verification of the so called debt. I did not incur this debt. It is NOT mine. I am attaching my identity theft report/ notice from the FTC XXXX
Consumer complaint received 2021-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago on XX/XX/2021 and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. All proper indentification is enclosed and if you reject this agian I will sue you in court for non compliance, this is such a problem