davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

I have good reason to believe that Wells Fargo is fraudulently double charging me for a payment I made on XX/XX/2021 The dispute stems from a fraudulent balance transfer charge to my lost credit card. I have attached supporting documentation in the form of my two last credit card statements, a pdf of my card running balance as of XX/XX/2021 and a downloaded account activity spreadsheet ( from Wells Fargo ). I have tried repeatedly to settle this with Wells Fargo ; I have spoken to Wells Fargo on the phone three different times and I had an in-person meeting at the local Wells Fargo branch at XXXX XXXX XXXX, XXXX, PA XXXX. I dont know if this is an innocent error they have made or a purposeful attempt to commit fraud. In any event everyone I have spoken to at Wells Fargo is using the same distort logic to charge me a second time for a payment I have already made. 

The story begins as follows. On XX/XX/2021 I misplaced my Wells Fargo credit card # XXXX. I called them the next day and reported the lost card. They said they would close the account and send me a replacement. On the day I lost my card the balance on the card was {$2700.00}. Wells Fargo did not actually close this credit card account on XX/XX/2021 as they claim, they merely renamed it # XXXX. This renamed account # XXXX had all the previous charges of account # XXXXfrom XX/XX/2021 XXXX the current billing cycle at that time ). On XX/XX/2021 they added a charge to the account and called it a balance transfer. This fraudulent balance charge was for {$2200.00}. This {$2200.00} charge was identical to the payment I made on XX/XX/2021 for the previous months balance. Now my balance jumps from {$2700.00} to {$5000.00}, because of the fraudulent charge of {$2200.00}, which I had already paid on XX/XX/2021. Please see the attached pdf file labeled XXXX Card XXXX Running Balance XX/XX/XXXX I have exhausted all my options with Wells Fargo. They told me ; they are right and I am wrong and that I have pay the fraudulent charges. Please look into this matter and advise me.
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (FL)

HARVARD COLLECTION SERV has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2016-04-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Thank you for the prompt answer my last inquiry, I am sorry, I was n't being specific what forms I was asking for. I am attaching this time with this email a sample of the form I need from you, I hope that will help. I have three forms from Bank of America, XXXX form from XXXX and Sample from XXXX XXXX website. Three of these forms will show the principle reduction you made to my account. If you disagree on authenticity of these document please state for me the reason. Exhibit # 1. my tax statement XXXX form XXXX. ( XXXX pages ). What that documents show are the balance of {$4500.00} and escrow balance of {$28000.00}, which have been transferred to fay servicing ( no deferred balance ). Please read carefully the important notice of information on page XXXX. Exhibit # 2 from my loan payment history document page XXXX, also shows the last balance from Bank of America which is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 3 from XXXX ( the new servicer ) also confirms that, the balance you transferred is {$4500.00} and escrow balance of {$28000.00}. Exhibit # 4 from my loan payment history document page XXXX shows that you have written off ( the deferred balance ) {$280000.00}. If you disagree please give me full explanation what this reductions is. After long investigation, I have concluded that you are missing XXXX document to sent XXXX, which could clarify all this confusion. and that is Exhibit # 5. Would you please sent me a copy of that form to me and XXXX. Remember, you have sold my house by giving a fraudulent misrepresentation information about my account to XXXX XXXX, if this issue do n't resolve immediately, I have no choice but to take my case to the federal court. remainder the principle reduction program will be run out by XXXX/XXXX/XXXX. 

Thank you XXXX, XXXX
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

I am having a hard time getting a direct answer to my issue. I have excellent credit. Had a car loan from XXXX XXXX XXXX. Never missed a payment or late on a payment. Decided to pay off loan amount so as not to incur addition interest payments due to the pandemic. Checked my credit score on XXXX and XXXX  and they dropped my score 20 points. Spoke to both agencies and they informed my it was due to the fact that I closed an account. I explained to both agencys that I did not close the account. The account went into fee simple status because my loan was paid in full and it was a legal obligation for XXXX to close the credit line upon loan being paid in full. They informed me it is still deemed as a closed account. So I pay my loan in full and they are justified in lowering my credit score. How about the fact that I eliminated almost {$5000.00} of outstanding credit that in practice should by agencies standards raise my score. I never miss a payment and pay my loan off early and I get my credit score dropped 20 points. This is legal.
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MH)

Hello, I am a XXXX XXXX engineer and I usually get my payment through Paypal. On XXXX XX/XX/2021, I received {$4300.00} which was held but I explained to them and sent supporting documents. On XXXX the amount was released. However, the account was permanently limited without prior notice whatsoever. Please advice.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (CT)

I made a purchase in the XXXX. This was converted at an fx rate ( a poor one ). I was charged 1.5 % by the merchant and 2.7 % in administrative charges. When I queried this they could not explain what these charges were and refused to itmemise them or that they had in fact incurred them. When I asked to dispute this, they resisted and ultimately said I would have to dispute the complete charge as they are related. When I ask for details of their regulator, they refused to give it to me.
Consumer complaint received 2021-07-11
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. (MA)

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : ACCEPTANCE NOW It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : ACCEPTANCE NOW was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied for a loan and was given an estimate on XX/XX/21. The origination charges were {$1200.00}. Processing fee XXXX and underwriting fee XXXX. 
My closing is in 10 days and on XX/XX/21 the company increased the origination charges by {$1000.00}. The loan officer XXXX XXXX told me on the phone XX/XX/21 that there would not be any points charged with the 3.375 % interest.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Multiple inquires from XXXX and XXXX XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my Equifax report XXXX, XXXX, and XXXXXXXX XXXXl from all of my credit reports via Equifax, XXXX, and XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

Most recently I have been disputing these accounts with Experian around XXXX early XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Experian on XX/XX/XXXX. Experian has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

Applied for XXXX Citibank Citigold accounts with promo code XXXX ( AA XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible and would receive a total of XXXX bonus miles. Finished all the requirements and was told that they can not honor because I was not targeted. After initial complaint, Citi deposited XXXX AA bonus miles for the first account ( ending in XXXX ), but still missing another XXXX from the other account ( ending in XXXX ). Dispute has been unresolved for over 6 months.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I believe that this company is knowingly cheating and forcing consumers into paying undue interest on purchases that are advertised as 0 % interest financing for periods ranging from 6 to 24 months. I made a purchase in the amount of {$450.00} on XX/XX/2021, for 0 % interest if it is paid off in 6 months ( set to expire on XX/XX/2021 ). I also made two additional purchases under the 6 month 0 % interest agreement for {$100.00}, and {$230.00} I made two large purchases under a 24 month special financing agreement, where I am to pay equal payments for 24 months on each purchase, one for {$1000.00} and the second for {$760.00}. I have made repeated efforts to pay off the small purchases early, before my 6 month grace period ends. However, PayPal Credit continues to apply my early payments to my first 24 month installment loan. There should 20 payments remaining for this purchase, and now there are only 12 remaining, even though I made the purchase this year. The balance on each of the 6 month promotions remains the same, and I am unable to pay them down no matter how much extra money I send them each month. PayPal Credit has promised me on several occasions since XXXX that they will make adjustments to my account, and this has never happened. Now, starting next month, I will owe {$32.00} on my first purchase of {$450.00} - this is interest I should not have to pay, as I have more than kept up my end of the bargain. The following month I will owe yet more interest if this is not resolved. From what I can see, I will have to pay off the remaining balance of {$500.00} on my first 24 month purchase, plus {$130.00}, {$100.00}, and {$230.00} in order to avoid paying interest.
I am certain that this company is taking advantage of consumers who do not know better such as elderly folks, young people, and people who do not monitor their credit card statements. I have an exceptional payment history for all of my accounts and simply intended to pay these small purchases off early to avoid paying interest, as was my agreement with this financial institution. I feel powerless and hope that they will correct this seriously dishonest practice ASAP. Please help. Thank you! 

The following payments were made since XXXX : XX/XX/XXXX, {$150.00} ; XX/XX/XXXX ; {$110.00} ; XX/XX/XXXX {$97.00} ; XX/XX/XXXX, {$160.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX {$100.00}.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX I noticed XXXX charges from PayPal XXXX XXXX that I did not make, ( please see attachments ) so I opened up a claim with XXXX  XXXX XXXX I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice the claim was denied because XXXX told them I did this myself, on XX/XX/XXXX XXXX  XXXX XXXX reconsidered and paid the claim, but PayPal and XXXX do not want to Cooperate, both companies are telling me to log into my account, the email that the crook used was not mine XXXX from PayPal and XXXX from XXXX both gave me the same email that was used, Ive written and called the executive office of both XXXX and PayPal and both wrote to me and told me to log into my account and resolve the issue but I do not have an account with either them Ive told them this in writing and over the phone, XXXX at PayPal says he called me but could not reach me but I have called PayPal several times and the people I spoke with say there is no executive office and they dont know XXXX and I end up telling them the entire scenario they promise to call me back but they dont follow up
Consumer complaint received 2021-07-10
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. (MO)

Equifax has been using third party companies such as XXXX, XXXX, XXXX, XXXX and XXXX to verify information on my credit file. However, I sent several different letters as well as a procedural request letter asking them who they verified the bankruptcy with. I called on XX/XX/2021 and asked what the method of verification on the alleged bankruptcy you are reporting. The agent on the phone stated, that the bankruptcy was verified by XXXX XXXX. My response was, Appalled by that information. I went directly to XXXX XXXX and stated they can not verify this information themselves, therefore they have taken the liberty to DELETE this bankruptcy from their records. This would mean this bankruptcy is by law considered UNVERIFIED and needs to be deleted from my credit report immediately! 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Equifax removed the bankruptcy from my credit file, but didn't remove the XXXX XXXX  account that is still on my credit file. The XXXX XXXX should've been removed from my credit file as well, because it was never properly VERIFIED by the company.
Consumer complaint received 2021-07-10
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. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MI)

I can not sign up for auto pay, and this is something targets younger people to not have working. When I called for support, the agent gave me a due balance amount that was different than what was showing on my online portal, which could have caused me to have more fees if it was not enough. Additionally, when I asked for help figuring out why auto pay was not working, the agent muted the phone and ignored any follow up. I was also never called back.
Consumer complaint received 2018-05-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GMA Investments, LLC (SC)

XXXX XXXX XXXX is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC (VA)

TRANSWORLD SYSTEMS in XXXX DELAWARE KEEPS CALLING ABOUT A DEBT FOR SOMEBODY WITH THE SAME NAME AS MYSELF. I HAVE GOTTEN XXXX CALLS IN THE LAST XXXX WEEKS. THEY ASK FOR MY SSN and b-date which I will not give them. They will not stop calling.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I applied for a credit card from Barclays on a Frontier Airline flight in XX/XX/XXXX. The card was approved and when I received the card in the mail, I noticed that my name was incorrect. When I contacted Frontier to inform them, they could not verify my information in the system. They stated that I needed to send in a number of documents to rectify the discrepancy. I immediately mailed in the required documents. 

In XX/XX/XXXX, I recieved the bill for the annual fee of {$79.00}. To my surprise, when I called to make the payment, I was informed that the account was locked and that I would need to submit the same documents that I submitted the prior year. I was frustrated, however I mailed the documents again. I was unable to make the payment because of the lock on the account. 

I wanted to use the card to purchase Frontier airline tickets, so I called just to make sure that the card was activated and was then informed that my card was closed and there were still discrepancies on my file.

I submitted the documents every time Barclay 's requested for me to do so. What happened to them? There were very sensitive documents with my personal information on it. How come these discrepancies were never fixed? I provided them with everything they required. This will now affect my credit reputation, which I try very hard to maintain.

Barclays is negligent. Had Barclays processed the documents when they were sent in XXXX, my account would still be opened. I would like this matter investigated ; I want to know what happened to my documents, why they never followed up, and I want my credit card reopened.
Consumer complaint received 2016-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland funding has XXXX accounts on my credit reports and they constantly update these accounts as if they are valid and new every month they re-age these accounts I 've tried many times to dispute and delete to no avail. I 'm trying to buy a home and these are not valid or current items