davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (CA)

ARA Inc. called claiming to be collecting a debt from 2005. They claimed to have mailed me documentation and were threatening to sue me and report my unpaid credit card debt to damage my credit. I explained the account in question was not mine and I never received and information from them. They continued to transfer me between each other and very aggressively continue to threaten to sue me unless I agreed to pay. When I hung up with them I was able to look them up with the XXXX and learned they had over XXXX complaints filed against them for their tactics. I also looked up California laws which not only state the statue of limitations for collecting debt to be 4 years, it is now over 11 years since the alleged debt, but they must legally mention that they can not force me to pay or report it because of expired statutes of limitations. Not only did they not mention that, but they illegally threatened to sue and report the debt to ruin my credit.
Consumer complaint received 2016-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (MD)

I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (NY)

XXXX XXXX/ Pinnacle Credit Services is attempting to collect on a debt that I do not owe. I never received the service for which I am being charged. XXXX XXXX was not even allowed in my area at the time.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Equifax never reported payment history from XX/XX/XXXX to XXXX XXXX. XXXX never reported XXXX XXXX through XXXX XXXX on my payment history, XXXX XXXX for XXXX XXXX reported from XX/XX/XXXX through XX/XX/XXXX but did not submit to XXXX nor Equifax in XX/XX/XXXX, gave me credit for only 2 years and the loan was extended for 3 1/2 years. They stated the loan was closed on XXXX/XXXX/XXXX on the sheet that I submitted. Due to the improper reporting, this has held my personal business up tremendously by preventing me from obtaining personal mortgage loans or obtaining loans to obtain equipment for my job and personal business. I am looking for this matter to be resolved as soon as possible. This matter has also cause very high interest rates on all of my personal credit cards and the process to apply for loans in general due to a low credit score. In my opinion this is definitely unfair and a form of injustice to me.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am still very confused. Between multiple dispute letters, filing complaints, and a confirmation email with document stating removals of the XXXX XXXX account from my credit report. Transunion is still reporting it! XXXX and XXXX have removed. Why is Transunion torturing me like this. I know they 're upset I complained but they would too. Can you please help me consumer finance. Do I need to come in person to file more official documents? and bring my stuff? Thank you
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

I had a loan servicer, XXXX, now Navient allow a third party to represent my account with payments, changed address, and phone numbers. In summary I had no control over my account. It was being managed by a family member that I finally took back over after weeks of calling XXXX. During this time and now I have the means to pay and its frustrating that my account was put in forbearance so many times ( which it accrued interest ), as well as not being contacted but the third party about XXXX loans that went late for 90 days ( A huge credit hit! ). I have sent a goodwill letter to have these removed because of all the confusion, but the interest that accrued during these time of forbearance my account was placed, and the general lack of obtaining information from the sole debt holder is troublesome. I have since consolidated my debt with Navient and have my account on Autodraft, but the credit remarks are still there impacting my credit.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX I made a payment, in person, ,on my Credit Card with XXXX XXXX XXXX XXXX Pennsylvania . I made a {$500.00} payment and was given credit for {$50.00}. A 30 day late counter appeared and my credit report. The Creditor subsequently corrected it and removed the late. However, although XXXX has kept the late off, the other XXXX repositories reinserted the item not once but twice. XXXX corrected the mistake and removed it on XX/XX/XXXX. Trans Union has been especially egregious having insisted last year the item still remains. This has caused continued harm to my credit score and I am contacting an attorney. Having worked in the industry for more than 40 years it 's unconscionable that this continues. The creditor insists to me that they corrected this more than 2 years ago.XX/XX/XXXX asked them to look into my account history and it showed I was never late. I have a copy of the XXXX deletion and am extremely frustrated.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XXXX XXXX, 2016 I attempted to get my XXXX Free Credit Reports on XXXX. However, only XXXX opened and I was able to print. I received an error message for Trans Union and XXXX. I requested TransUnion & XXXX by email directly from XXXX, on their website, on the " Contact Us '' page. 
I explained on XXXX XXXX, 2016, I requested my free XXXX major credit reports through XXXX. Only the XXXX Credit Report was received and printed on XXXX XXXX, 2016. When I attempted to open and print Trans Union I received an error message, which was exactly the same result when attempting to open and print XXXX 
They replied by mail and stated I had already received my XXXX report, however I could purchase another copy for XXXX. I have n't heard from Trans Union. 
I also called the customer contact number, left a message stating the same problem. Never received an email in response as requested. I did state how ridiculous a XXXX copy request would be, if I already had my annual credit report. This is a lot of inconvenience and time consuming tasks, especially if XXXX grants another copy. 
My problem is paying for the reports. I have to borrow XXXX, due to my total disposable income is XXXX per month. 
It has taken weeks to get a reply, therefore stalling everything unnecessarily.
Consumer complaint received 2016-11-26
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: MacDowell & Associates, Ltd. (GA)

I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per XXXX not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.
Consumer complaint received 2016-09-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

Hello. 
In XXXX of 2015 my business checking account was hacked while I was on a business trip in New York. Someone tried to withdraw money in the amount of {$1000.00} and then {$500.00} from my account. I contacted Wells Fargo about this so they issued me a new debit card and checking account number. After this incident, on XXXX separate occasions my checking account was locked and I was unable to access my account online. Each time I had to call Wells Fargo 's customer service to have my account unlocked so that I could access it and view my account online. This occurred again earlier this year and again I had to call Wells Fargo 's customer service to have my account unlocked. 
I was told that the account was locked/frozen due to suspicious activity. However, no one could explain to me why this was happening and why it was happening so frequently. 

In addition, each time that I called, Wells Fargo representatives pushed getting me into new products. Each person pushed a different product but did not fully explain the costs associated with the products. I was told that opening a particular business savings and checking account that moved money between the XXXX accounts each month would prevent me from having to pay the $ XXXX monthly checking fee. This only lasted a few months and then the {$14.00} fee was being taken out of my account again. When I initially opened my Wells Fargo account in XXXX, the representative who opened my account opened it with the " wrong '' account number which caused some problems. I still have the paperwork from the account was opened with a different account number. 

Since the scandal with Wells Fargo came out last week, I now believe fully that my account was XXXX of the accounts that was affected because of several occassions, {$35.00} fees have hit my account causing checks to not clear and ACH debits not to go through which caused additional fees.
Consumer complaint received 2016-11-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NC)

We received a {$700.00} loan in XX/XX/XXXX from Big Picture Loans. We were told on a recorded phone call that our total repayment including principal, interest and fees would be less than {$1000.00}. They said this would be the amount repaid if we repaid the loan within 3 months and called 3 days before the due date of the XXXX of the month and made payments of more than minimum due. On XX/XX/XXXX I made arrangements to pay {$500.00} on XX/XX/XXXX. I just called today ( XX/XX/XXXX ) to make the payoff amount on XX/XX/XXXX which should have been less than {$500.00}. We were told the total payoff amt was {$820.00}. I spoke with XXXX in the disputes Dept and she made arrangements for us to pay {$500.00} on XXXX and a contested amount of {$320.00} on XX/XX/XXXX. This will make our payments all within the stated 90 days, however, Big Picture Loans is charging us over {$320.00} to pay off the loan from what we were quoted when we obtained the Ioan. We are paying the {$320.00} because this company is obviously a scam and we do not want to do further business with them. However, we would like to file a dispute/complaint to have the over {$320.00} returned to us and have the account paid.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have done a response but got nothing back now they blocked me from my account then I did a security freeze sent information they required then they wrote me back saying they would not accept the information I sent them but it was the information they requested I call the man dealing with my case file and he never calls me back ignores my phone messages Then when they blocked all calls letters all calls go to there security party about my account and now they refuse to give me anything on my report all because I would not take threats and bad language from there customer service, and no XXXX discrimination.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: STATE FARM BANK, FSB (MO)

In XXXX 2016, I applied for a State Farm credit card that had 0 interest for the first 12 months. I was approved for a credit card with a XXXX limit. However, the card they sent me was actually had interest that was charged. I discovered this when I was a half hour late paying my bill because the on-line system did n't work for me. I had tried the previous month to pay my bill on-line, but there were issues with their website. I was told it was a browser issue on my end. I use XXXX and XXXX XXXX, the most popular browser with the most up to date version of XXXX. I called and paid my bill, but missed the XXXX eastern time deadline. I called and talked to customer service and said I was concerned that my 0 interest would be affected. I was told that no, there would be no affect. When I got my bill, it showed interest was being charged, and not just for that month, but all the way back to the start of the card. I transferred my balance to a new card and when I called State Farm to tell them to cancel the card and why, I told them I was upset because I was being charged interest for being all of 30 minutes late paying the bill, partly because their system was messed up. I was then told that the card was never a 0 % rate. There was a 0 % on balance transfers, but not on the card itself. I went back and looked at my original information that came with the card and sure enough, the card they sent me had interest charged. I know for a fact that I applied for a 0 % interest card for the first 12 months. What I applied for, and was approved for, was a 0 % interest for 12 months. This is not what they sent me or set my account up for. I should have been more observant.
Consumer complaint received 2016-12-28
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (IL)

I am extremely frustrated and annoyed with the way Citi Bank has been handling my case! This year has been extremely difficult and I am doing my best to actively get my settlement option under review! Prior to a settlement option I was looking to get reviewed for a modification and it was going nowhere. I am in the middle of child custody battle and child support battle. I have been hospitalized several times for my XXXX and even with lack of hours at work, no income and struggles, I continue to strive forward. I want to get back on track and I understand it 's one battle at a time. What I am getting irritated with is the fact that Citi Bank continues to purposely prolong this process. For two months I have been told my file has been send to escalations or another department for further review and no new updates. I have submitted the new documentation that was requested through my third party and they also continue to tell them the same update. NOTHING HAS BEEN DONE! I need an answer and some alleviation that at least this is taken care of. My third party authorization form was signed and submitted to Citi back in XX/XX/2016. And yet every time XXXX calls to get updates or request for further assistance they are being block! This issue was taken care of twice before and yet there 's no authorization on file. Citi was asked to which fax number and what location to send the adequate third party authorization and we did what we were told. This is another example of the negligence and lack of urgency from their end to come up with a solution. I want my file to get updated and IN ACTIVE REVIEW and for Citi to stop giving my third party a difficult time!
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

The New York auto dealer who sold my car to me subsequently sold the Retail Installment Contract to Santander. The RIC was initiated in XXXX New York and is subject to New York State law ; it did not specify any terms relating to convenience fees for payment. Upon making my first payment, I noticed that Santander was forcing me to pay a convenience fee of {$10.00} per payment to pay by credit card as opposed to mailing my payment in to them. Convenience fees for paying via credit card are illegal in XXXX New York XXXX No seller in any sales transaction may impose a surcharge on a holder who elects to use a credit card in lieu of payment by cash, check, or similar means. 
Any seller who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine not to exceed {$500.00} or a term of imprisonment up to one year, or both. 

The bank can not allege that the ban on convenience fees does not apply to them because they 're not based in New York. I originated my retail installment contract with a New York auto dealer subject to the laws of New York ; the sale of the contract, which has no clause regarding convenience fees or fees for making payments to an out-of-state lender can not exempt the lender from New York 's requirements concerning convenience fees. 

I made XXXX payments for which I was charged this convenience fee, totaling {$180.00} in damages. I demand that Santander pay back the {$180.00} in full as this is an illegal convenience fee. I also request that the CFPB look into this practice to prevent them from subjecting other consumers to these illegal convenience fees for making payments. 

Additionally, I paid off my loan in full over two weeks ago, but have received no correspondence from Santander indicating that this has taken place, nor have I received any documentation regarding the release of my lien. I request that process be put into motion if it has not already. 

Finally, the loan was overpaid by {$39.00}, and I have received no refund for this amount or correspondence in regards to it.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CO)

I contacted Equifax to dispute some items. They refused to send me updates on the status of the dispute and did n't provide me with updated report. They continue to keep items on my report that are inaccurate and therefore result in negative results when applying for credit and a lower score. Along with XXXX, XXXX County and XXXX XXXX XXXX they do not update or provide accurate information and Equifax refuses to remove items or properly notify of any result or action taken.
Consumer complaint received 2016-11-23
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Advantage Financial Service LLC (Idaho) (ID)

This is in regards to case Number XXXX. I have sent you another letter about Advantage Financial Services. I have proof, and will present it at a Schudule hearing on XXXX XXXX. I have already informed you about it in the past. 
Advantage Financial Services signs their own complaints. No attorney signs them. I have found that to be so in our case and I am in connect with another person that it has happened to. The signatures on the Complaints are not AFS 's attorney. I have seen the XXXX signature, the signature on our complaint, and the signature of this other person. I am telling the other person to also file a complaint. I am not including her name here because I do not yet have her permission to state her name.
Consumer complaint received 2017-06-25
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: Experian Information Solutions Inc. (TX)

In XX/XX/2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.