davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (GA)

On XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX signed me up for a one year {$150.00} bimonthly plan with a {$150.00} early cancellation fee, I gave my debit card. XXXX provided the service. XXXX said first charge didn't go thru and ran card again. My bank acct shows 2 - {$150.00} charges on XX/XX/XXXX. The next service was on XX/XX/XXXX but again the bank charges show {$150.00} on XX/XX/XXXX and XX/XX/XXXX. I tried to resolve local but was sent to Billing dept where there is no way to leave a message but instead says to send email to finance department. Finance department never responded to multiple emails. Calls to the local office also failed to resolve. So I cancelled the service XX/XX/XXXX and they sent me a bill for {$150.00} early cancellation. I paid the company for 2 services at $ XXXX/each and {$150.00} early cancel fee = {$460.00}. However, they have taken through my debit card {$150.00} x 4 = {$630.00}. That leaves them owing me = {$160.00}. I have a dispute through my bank for {$150.00} on the XX/XX/XXXX withdrawals which they resolved with the bank. Now they have threatened to send me to collections. They actually owe me {$9.00}. I have sent numerous emails with records of the withdrawals from my bank account. I can not get anyone in Finance to contact me. I received a debt collection notice from ARM Solutions , Inc. on XX/XX/XXXX.
Consumer complaint received 2020-07-18
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: General Motors Financial Company, Inc. (MA)

I see several 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Before XXXX took over my loan I was with SPS ( Select Portfolio Servicing, Inc. Loan # XXXX ) They did a loan medication for me please see attached documents for proof. Apparently when my loan with SPS was transferred payments were missing to XXXX that were not and paid. On XXXX XXXX, 2014 When I spoke to Nationstar from accounting department he noticed that SPS did not send my loan medication documents and a lot of documents were missing including payment history when the transfer took place. When I spoke to XXXX they were not aware that there was a trial period for a Loan modification and approved before the transfer. In the meantime, there were payments and escrow missing which should not. I was told XXXX didnt receive XXXX, XXXX, & XXXX 2014 payments. Of which Proof of payment history showing XXXX and XXXX 2014 was paid to SPS. When XXXX payment was mailed to SPS Ck # XXXX I was told by SPS that they received this payment and will over nigh it to XXXX tracking # XXXX. At first XXXX told me in XXXX 2014 that they did receive the XXXX 2014 payment and even gave me the check number. After 3 weeks when that check didnt cash I called XXXX and was told they did receive the payment, but dont know what happen to it and if I can put a stop payment on it. Well the next day I received from XXXX a letter with the check stating they are returning it because they dont know where that payment belongs too. So on XXXX XXXX, 2014 not only I wrote another check # XXXX replacing ck # XXXX I also mailed XXXX 2014 payment. So Since XXXX 2014 no one has done anything to correct this issue. From XXXX 2014 till XXXX 2014 I was harassed every day or 2nd day that there is payment missing and my account is past due. Each time you get a different person and I had to explain no when they check my account they see notes and tell me we see proof of payment, but we are very sorry no one has done anything with this. I was harassed and was told research will be done and corrected no one did anything. I was told this will take up to 30days to fix the problem. In the mean Time Im being harassed with phones calls and receiving forecloser letters. On XXXX XXXX, 2014 I was harassed so much and stressed out so much from XXXX irresponsible and unprofessional staff that it caused me to go to the ER with a XXXX XXXX of XXXX that they immediately took me in to give me medication thru the XXXX to bring the XXXX XXXX and not cause a XXXX XXXX. And yes XXXX did call me in the morning on XXXX XXXX, 2014. I have  no problem providing proof of documents that I was at the ER that day and what my XXXX XXXX was. As of today I still have not receive reimbursement back for over payment that I was forced to pay to avoid foreclosure. Please help me get my money back.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I FIRST was informed of this debt XX/XX/2022. I have NEVER received a bill from this electric company saying I owe them. I never received a letter or bill or phone call from ANYONE including the " second '' creditor not this last one TransWORLD XXXX. when I saw this on my credit report I attempted to contact ALL of them to resolve this because a credit report should not be the first time I hear of a debt from 3 years ago. The fact of the matter is I am a single mother with XXXX in college and I got denied a Direct Plus loan for my sons tuition all because of this bill I am unaware of. I have XXXX debt aside from student loans and I am careful about this. That home at XXXX XXXX XXXX has MANY people living in there and they must have used my information without my knowledge. I really ; y dont know but I am trying to get it deleted so my sons loan may get approved. After I spoke to Transworld about this issue it is causing my son, they agreed to delete it, but then pressured me to give them my credit card info then used language to create a barrier and trick me into paying for something that does not belong to me. My son will get kicked out of University of XXXX XXXX if I dont get this resolved and it has contributed to XXXX for both him and I. Nothing is more important than my credit and his school right now. Please understand this is so unfair.
Consumer complaint received 2018-06-23
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. (TX)

I requested vailadation on XX/XX/XXXX from XXXX XXXXXXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.
Consumer complaint received 2018-06-23
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. (TX)

I requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (OR)

I have a DISCOVER BANK CREDIT CARD which for the year XXXX - XXXX have taken out balance transfers BALANCE TRANSFER HISTORY : {$3900.00} Deposit into Checking DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 6.99 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 0 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo : APR 0 % Promo Expires XX/XX/XXXX My problem and issue is this : I have two {$7000.00} Balance Tranfers that will be expiring their 0 % APR on XXXX and XX/XX/XXXX In order to off set the high Interest rate of 17.99 % that I will be charged when the 0 % APR expires. 
I took out another Balance Transfer on XX/XX/XXXX in the amount of {$3900.00} at 6.99 % for 15 months in order to pay off the oldest loan expiring on XX/XX/XXXX Much to my distress is upon requesting an update on my loans balances, I find out that Discover had taken the {$3900.00} payment that I send and applied the payment to the newest loan instead of the oldest loans. In essence they took the payment of {$3900.00} and paid off the new loan of {$3900.00} in full by XX/XX/XXXX. 

Here 's is the update of my Balance transfers owing : CHAT MESSAGE XX/XX/XXXX Hello XXXX! This is XXXX in XXXX XXXX XXXX. I would be happy to help you today with an update of your balances. The balance ( s ) disclosed is as of today XX/XX/XXXX Balance transfer - Expires XXXX XXXX, balance of $ XXXX 0 % APR Balance transfer - Expires XXXX XXXX balance of $ XXXX 0 % APR Balance transfer -Expires XXXX XXXX balance of {$0.00} - 6.99 % APR Here 's my Payment History : Payment Date ; Amount XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1200.00} -- This Payment was also applied right away to the loan of XX/XX/XXXX I have been notifying Discover Credit Department of their error in applying my payments. I have always understood that the oldest Balance Transfer will be paid first. 
I believe that they have deceived me and dishonored their agreement by taking my payments and paying off a loan which they agreed to give me 15 months to pay back. This will give me undue stress when I have to start paying the high Interest after XX/XX/XXXX In order to resolve this issue is for Discover Bank to honor their agreement and apply my payments to the oldest loans first. 
Thank you, Sincerely, XXXX XXXX
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Horrible customer service. Since opening a new business account in XX/XX/2020, I didn't feel my business was appreciated or wanted. In XX/XX/2020 I deposited a check in the amount of {$12000.00} form XXXX XXXX XXXX XXXX as a Third Party creditor to my now terminated business account. On my deposited slip it stated funds would be available in 10 days. However, after that time frame I checked my account for an update and was locked out my account.Chase failed to communicate or alert me of any issue prior to me contacting them. After an additional 7days it was brought to my attention, XXXX XXXX ( XXXX ) XXXX, one of the debtors whom signed the check failed to have XXXX XXXX XXXX # XXXX ( XXXX ) XXXX, also endorse the check. I asked that chase cancel the check to have XXXX XXXX reissue a new form of payment ; they stated the check had already cleared. During the duration of me communication with all parties to have XXXX electronically endorse or authorize payment Chase terminated bout my Checking and Saving account. Chase never communicated or sent notice of any actions being brought against me. When spoke with a representative she disclosed Chase reserved the right to not do business with anyone at their discretion.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: The J. G. Wentworth Company (MN)

jG Wentworth are constantly contacting me trying to sell me services. I've told them over and over to add me to the do not call list and to that I am not interested, but they continue to harass me through phone, email, and mail. They constantly change/disguise their phone number. This has been going on for years.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (VA)

For many months I did not realize or check my credit reports until one day I was called by one of the companies about a 'new card I had opened up '' To my surpise I didnt realize my identity was pretty much stolen and I was a victim of fraud. And later when I checked my credit report there were several inquiries I had not recognized!! 

The crazy thing is that I reported all of this months ago and the companies assured me they would be removed from my account but somehow the credit pull is still on my account after several months!! 

This is very ludacris I have to go to such extents to protect myself. This has hurt my chances of buying a house and I am tired of this.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NH)

I tried to apply for the Amazon Chase card because every time I try to buy something on the Amazon website they badger me relentlessly to apply for their card. I finally applied for it today. They denied me and when I called about it a woman with an international accent refused tried to rush me off the phone. She then further went on to state that my bankruptcy was the one and only reason why they were denying me. 

When I cited the FCRA prohibited her from denying me the woman then stated/insinuated that they were certainly allowed by law to deny me. I then stated that I had multiple credit cards ( all with XXXX balances ) that I could use to purchase the school books. The woman then put me on hold for a bit longer and finally came back. She asked me the same questions that I had answered on the application trying to purposely catch me in a lie. 

I then asked for the woman 's supervisor and she then stated there were no supervisors on the property, that she and only one other coworker were on the building 's property. I suspect some sort of scam is possibly going on, maybe even something fraudulent with people 's personal information. No call center is going to be operational without a supervisor present as I used to work for a call center about twenty years ago. 

When I informed her that I was going to file an official complaint her words were, " you are not going to file a complaint. '' I certainly would like to know how she intended to stop me. The card was going to be used for buying school books and nothing more since they were promising a XXXX dollar credit to the first month 's statement. 

She also did a personal great job of throwing my past credit mistakes in my face, and made no regards of looking at how well I was keeping my current accounts well paid off each and every month.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (MD)

I have a balance of 4000 plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. Discover has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges Discover is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew Discover would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against Discover now using this CFPB service. They still have not done anything.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

For the last two months I have been attempting to have XXXX remove past due information for a student loan and they have only corrected this information off of XXXX and not Equifax. My calls to XXXX, the student loan servicing company go answered but I always receive the same information -- that as of XXXX XXXX, my account is current and in good standing. I do n't understand why they refuse to properly report to Equifax and have the information corrected.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (DE)

Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed {$1700.00}, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.
Consumer complaint received 2020-07-18
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Receivable Management Services LLC (FL)

I filed a dispute on all my credit due to my credit being used unauthorized all my accounts are under review and this company contacted my employer and threatened to continue calling a place of business that doesnt be long to me unless I took care of my account
Consumer complaint received 2020-07-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The number on my phone was XXXX, however, I was asked to call back XXXX x XXXX. 

XXXX proceeded to state that this was the last attempt to collect a debt from Check n ' Go that occurred in XX/XX/2012 in the amount of {$100.00}. He proceeded to state that after several attempts to contact me of this debt, that Check n ' go retained his companies services to determine if the cases should go to court, and that if I paid today he could make the issue go away. 

I asked XXXX to verify the address, and emails they attempted to contact me and when. He provided obsolete contact information, that did not align with the living situation in 2012. In fact, financially we were secure, so there was not a single visit to a Check n ' Go. 

I asked for him to email or mail me the information to verify it s value, indicating that I am not refusing to pay if this is a legitimate debt. I frequently review my credit report, and never once has this debt appeared on my or my wife 's reports. 

XXXX then state then I am going to refer this to court, since your refusing to pay. I again repeated, I am not refusing to pay, however, it is not possible to pay for a debt that has not appeared on my credit report, nor aligns with the circumstances of 2012. 

I proceeded to ask you did not indicate this call is being recorded, however, if so, ain't I repeat I am asking for additional information to prove this debt, I am not refusing to pay if it is legitimate, and that I request ou update the information by sending me an email to confirm the debt and its associated documents. He refused, I gave him my email, and after an hour nothing is received. It appears this is a scamming agency, however, they did have the last four of my social.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NY)

XXXX17- applied for a Balance transfer for {$1900.00} online. Notice that the actual account the transfer was to credit was wrongly entered by one number at the end. 
Same day- contact company thru their website Consumer Service line with written information that the account was wrongly enter. They reply back with a generic statement for transfer details. 

XXXX17- Balance transfer was completed for XXXX on my statement. But, it did not post to the right account due to error for wrong number at the end. They say that I would need to wait 7 -10 business days to see if the account would have the posted to the credit card. 

XXXX17- I waited the 10 business days for the account to post with the {$1900.00} dollar fund to the other credit card. It did not post. I personally called and talked with a Consumer Relationship Manager- told them again- the account was wrong by one number and was entered wrongly. He verified that the account was different by the one number at the end. 
They would open a case on this and credit my account with {$1900.00} within a few days and check my statement for the credit of {$1900.00}. The case number is XXXX. 

I additional wrote thru their website for the credit of {$1900.00} to my account. They send another generic response back. 

Today XXXX17- I wrote again and asked when will my account be credit for {$1900.00} transfer. They responded with a generic response that I would need to wait up to 30 days to have this credit to my account. 

After working with company to first to correct the issue before they would post the transfer they refuse to listen to my concerns. Then the money did not post to the Credit card and they finally noticed that the account was wrongly entered in to the system and say they would credit my account within a few days. Now I need to wait additional 30 more days. If I was late with a payment as they are late with my credit due to me then I would be charge huge fees.