davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (MO)

On XX/XX/2020 I signed up for a prepaid newspaper service with the XXXX  XXXX XXXX at the XXXX XXXX  XXXX in XXXX XXXX, KS. The representative selling the paper stated this was a prepaid subscription and that it would not be auto renewed. I confirmed this a second time before I handed over my debit card for payment. I began receiving my paper with no issues, but I realized I didn't want to renew as the paper was not substantial enough to justify the cost. 
I had forgotten when the delivery was set to expire, but I received an email from the XXXX  XXXX XXXX on XX/XX/2020 stating that my subscription had expired on XX/XX/2020. The email also stated " We value you as a subscriber and hate to see you go. Renew your subscription today. '' I received several phone calls in the following months requesting that I renew my service. I declined each time. I was never informed during these calls that my service had continued or that I owed any money. I have never received a paper bill from the XXXX  XXXX XXXX. 
On XX/XX/2020, I received a letter from A.R.M. Solutions attempting to collect a debt of {$22.00} for their customer the XXXX XXXX XXXX. I emailed the XXXX XXXX at their request per the recording on the customer service phone line on XX/XX/2020. I requested the debt be removed as I had never received a bill nor was my service supposed to auto renew. I also included the email that showed my subscription had expired XX/XX/2020. I received a response to that email today, XXXX XXXX, that apologized for the inconvenience, but stated that I owe them the money. 
I viewed the XXXX XXXX XXXX XXXX site for the XXXX  XXXX XXXX and have found that this business has a pattern of predatory billing practices that often result in customer 's having to lodge complaints to obtain correction. I am disturbed that I can be reported to a collection agency for a debt that was never billed. If the XXXX XXXX had my address and my phone number to request renewals, it is perplexing to understand how I did not receive a bill. In addition, it appears the XXXX 's sales representatives repeatedly lie to consumers to get them to sign up for the service. I wonder why the XXXX can not take the same decisive action against its own employees that it takes against its " valued subscribers. ''
Consumer complaint received 2016-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC (CA)

This debt was placed for collection, repackaged and sold to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX The original debt is over 9 years old, and the new Debt collection company submitted in error that it was placed for collection on XXXX. They sold it to another debt collection company and I have a current XXXX account in good standing, but the new collection agency reported the date wrong so they can attempt to collect this old debt longer. I would like this removed from my credit report as they continue to harass me daily. Thank you Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$760.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$760.00} Original Creditor : XXXX XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

Equifax continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Equifax is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Equifax has failed to update with the correct information or delete the account since it 's closed and outdated.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC (MO)

I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from XXXX XXXX XXXX XXXX around XXXX XXXX 2020. He told me his company had one of my debts for Tempoe LLC for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ 50/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

Good morning my name is XXXX XXXX and I appreciate it if you could help me put a stop to Chase Bank cardmember services. 
In 2018 I wrote to Chase asking for debt verification and what they sent me a statement which is not acceptable. I am asking the bank to validate the debt. Instead I been receiving mail every month from them attempting to collect a debt. 
I have a right to know this information as a consumer. 

Chase account # XXXX XXXX XXXX XXXX Thanks in advance for your help.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NJ)

I would like to bring to someone 's attention a scam being perpetrated by Synchrony Financial. In my case the bank requires payment by the XXXX of the month. I receive my paycheck on the first of the month and pay my bills at that time. As a result, on several occasions, I paid my bill before receiving the hard copy of the bill from XXXX. This has caused my account to accrue late payments ( for early payment ). How can someone receive a late payment for paying early? 

As a result, I contacted the bank and was advised that the bank 's computer system does not have the capability to accept payments between the XXXX the XXXX and apply these payments to the current month. As a result, a late fee is applied. I was advised to make payment after the XXXX and before the XXXX ( due date ) to avoid late payment fees. This computer glitch causes honest consumers to receive late payments. When challenged, I did receive a refund for the XXXX fees below but was advised that only XXXX fees can be refunded per year and that any additional fees will not be refunded. They did not admit to any irregularity with the billing system. 
The question is ; How many other honest consumers are being penalized for early payments and do n't know it? Note : I also have XXXX XXXX account with Synchrony and the same issue occurred.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (TX)

I checked my credit score on Monday XX/XX/2019. I noticed a " derogatory remark ''. Apparently a company called XXXX XXXX XXXX XXXX asked a collections agency, to collect {$860.00} from me. This is negatively affecting my credit score. At this time, I have never received any notice nor bill from XXXX XXXX XXXX XXXX or the debt collector. To the best of my knowledge, neither party has tried to contact me with regards to the alleged debt. 

I tried to contact the alleged original creditor, XXXX XXXX XXXX XXXX. However it seems they have no central location and are practically impossible to contact. I managed to contact the billing department of a hospital they are affiliated with, who in turn gave a number to call, but the number is out of service. I received no bill from them, but they're still able to affect my credit score like this? How can a company who claims to improve the public 's quality of life, act with such flagrant disregard for the well-being of the people it's meant to be serving? If their claim is legitimate, why couldn't they get my information from my insurance company like every other health service? Whoever XXXX XXXX XXXX XXXX is using to handle their billing is either incompetent or unscrupulous. Possibly a combination of the two. 

I am a recent college grad, trying to start out my life with my wife. I am currently applying for jobs, apartments, credit cards, etc. The apparent, reckless negligence of XXXX XXXX XXXX XXXX is severely and unfairly, negatively affecting my livelihood.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, XXXX XXXX and Sage Stream. I am in the process of buying a home and I need access to my files asap.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, Lexis Nexis and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.
Consumer complaint received 2016-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performant Financial Corporation (TX)

I was given a student loan by XXXX XXXX. The school was a XXXX part institution. I completed the first session, but I never returned for the second session and never signed for the XXXX promissory note. Since, I was paying on the loan and had already disputed payment of the second loan. XXXX XXXX removed the second loan initially, but the school went out of business and changed their name. The new named school sought after me for payment of the second loan. I have disputed this issue time and time again to no avail. I have since started a debt forgiveness program with one of their creditors but I really feel like I do n't owe as much as they 're asking. They had me to contact the original lender which turned out to be a circle of phone calls to automated systems that landed me right back to the collection agency. I admit to owing the first loan and have been making payments for years. I need help with what I really owe and how to go about finding out how much that actually is. I asked the collection agency and they could only produce one promissory note, but told me that the loans were consolidated and that they could not seperate them. What can I do?
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I was requesting a credit line increase. However, I was never told it was going to be a hard inquiry to pursue a credit line increase until the very end of the call. At that point, I declined to pursue the credit line increase, and the call ended. However, a few minutes later I got a notification about credit activity and the hard inquiry was done anyway, even though I gave no consent to do so. I reached back out to the creditor and they said they'd look into it. I have the letter stating the creditor admits to pulling my credit report prior to receiving my notification but will not remove the inquiry from my report. Therefore, I'm enacting my right from the Fair Credit Reporting Act Section 1681, and would like the {$1000.00} fine from the creditor for the erroneous inquiry since they will not remove it from my credit report. 

The creditor is Citibank, N.A., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in XXXX of this year, I have a copy of a letter from XXXX XXXX addressed to Transunion that they requested the removal of incorrect/fraudulent applications that were made in my name for credit/store cards with the following, XXXX, XXXX, XXXX. I have today obtained an updated copy of my credit report dated X/XX/2017 from XXXX creditwise services to find that despite, me informing Transunion that I was a victim of fraud and that various attempts to apply for credit in my name was fraudulent. As of todays date Transunion still hold these searches on my report, which reflect negatively on my report. Transunion were already contacted in May! so almost 3 months ago from XXXX XXXX to say that they have requested transunion remove these searches from my credit file. Today my transunion report reads XXXX XXXX 2017 applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX WHY are this incorrect information STILL on my credit report?????!!! They were informed by me and by the bank they was fraudulent. Yet this incompetent company still holds incorrect information regarding me.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

On XX/XX/2019, our PMI reached the 78 % mark however when I inquired that the PMI should be removed from our payments, Quickenloans continued to state that we had to continue paying into the PMI until XX/XX/2019. After receiving this reply back from the mortgage company, I advised them that according to the Homeowners Protection Act of 1998 it was required that the mortgage company to remove PMI when it reached 78 % however they continued and still continue to state that the PMI will only be removed on XX/XX/2019 and then they have stated that the PMI would actually be removed a month after the XX/XX/XXXX date. After once again sending them information about the Act of 1998, Quickenloans refuses to remove the PMI from our mortgage.
Consumer complaint received 2019-04-30
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX XXXX  partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I am a long time wells fargo customer. I use XXXX to download transactions from the bank via their free service for several years. Recently I discovered that they began charging me monthly fees for XXXX banking. The person I spoke to told me that they have waived the charges and credited monthly charges. Additionally, I was advised that I will not longer incur any charges. This conversation with the bank occurred in XX/XX/2016. ON XX/XX/XXXX I started getting charged for XXXX. When I called wells fargo, I was told that they are promoting their competing paid service and I had to pay for XXXX to download transactions. Further they mentioned that the free XXXX issues had to be resolved by XXXX and had nothing to do with wells fargo. 

I spent about four hours with XXXX on two different occasions and could not get the free service to work. The interface to the free service seems that have been discontinued by wells fargo since they moved to a different website in XXXX. It appears that they have sabotaged their free service to start collecting fees from XXXX users. As a matter of principle, this is another example of wells fargo charging their customers by blocking their free service without any notice or updates. 

As a resolution they need to keep the free service up and running or not charge {$15.00} per month for the new service that they have setup. I can provide more details as needed to resolve this with Wells. I have spent several hours in numerous phone calls. They have used their usual tactic to shuttle me around and drop calls. In the end I did manage to speak to the right department and their only suggestion is to talk to XXXX or pay for the service. 

Hope someone from CFPB can help me resolve this with Wells. Barring which I may decide to move my business to a more consumer friendly bank.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report as soon as possible.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax and XXXX are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

I was insured by XXXX XXXX until XX/XX/XXXX. I paid all premiums, copays, and bills received and was paid in full at the time when I switched insurance carriers. I received a debt collection notice from a third party, XXXX XXXX, dated XX/XX/XXXX, claiming that I owe {$250.00} to XXXX XXXX and that I could settle the debt for {$62.00}. As I did not owe any premiums and had not even used XXXX 's services in months at the time when I concluded my insurance with them, and, as it was not mentioned to me on the phone with XXXX when I closed my account, this appears to be a fraudulent charge. I am wary of providing any further information to this company regarding this alleged debt.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I disputed a collections item on my Equifax credit report. This dispute still shows its status as pending as of XX/XX/XXXX. I called Equifax today to try to figure out why this dispute is still pending, and after much difficulty it seems that Equifax may have mishandled or misfiled my dispute as a " dispute of an inquiry or factual record ''. Then when clarifying what the dispute was, they claim " they have no record of the dispute ''. 

All communication from Equifax concerning status of dispute ceased on XX/XX/XXXX with no resolution.
Consumer complaint received 2019-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

I have made several attempts to get my student loans rehabbed due to financial hardships. I initially obtained debt consolidation for my loans but due to being put on XXXX I defaulted when they would not accept a lower payment than XXXX I asked to get on a plan that would allow at least {$5.00} to rehab until circumstances changed & was unsuccessful. I sent letters & completed a deferment as well 3 times Nelnet/XXXX has not been cooperative at all! I can only pay what I can afford & not to mention being coaxed to attending XXXX XXXX XXXX stating it was more affordable than attending state school. I am requesting to get assistance with rehabbing the loan at this time & I am getting the run around. As a taxpayer this is just not right!
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

i am a victim of fraud regarding an account called " XXXX XXXX XXXX  '' on my credit report. i sent a letter of fraud disclosing a form of the FTC REPORT # XXXX with a request to block fraudulent account as it states in the FCRA-605B and the company refuses to block or remove account from my credit report that is preventing me from receiving credit
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

A federally funded financial institution ( Wells Fargo ) setoff funds from my checking account to pay a balance on closed credit card account issued by the same bank without authorization. They stated they could do this based on an agreement I signed when the checking account was opened. I have disputed I signed such an agreement and they are refusing to provide a copy and/or have refused to reverse the setoff.