davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WV)

I have sent multiple letters to equifax in regards to unauthorized and unverified inquires on my credit report. I am very stressed and need these erroneous inquires DELETED from my credit report immediately. 

1. XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX 2. XXXX - XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO. (CO)

I've called chase credit card several times trying to get a payment arrangement due to my business account closing from covid. They told me that I didn't qualify since I didn't make enough money. Each time I called in. I was still Making payments but not the full payment. After they sent my account to the credit bureau they finally said I qualify to lower my payments and closed the account I went and got a loan to pay the card off. I paid the card off in XX/XX/XXXX. Got another bill stating i owed XXXX I called am then again and made the payment in this conversation the canceled my Monthly payment. I logged into my business checking account XX/XX/XXXX to see they made 4 attempts to collect money on my closed paid in full account. Now I'm negative in my business account from fees. 

I've spent hours and hours in the phone with chase trying to pay my bill and asking about these fees. I constantly get transferred to wrong departments over and over again. I've day I spent 2hrs with them and was transferred 8 times. There are lots of notes in my account I've asked for mangers to only to have them say someone will call back within 72hrs with no call back Chase does not care about small business.
Consumer complaint received 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # ending 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
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Citibank, credit annual membership fee of {$50.00} charged. I paid it on XX/XX/XXXX. They claim I was 3 days late. Rarely use the card. they charged a late fee of {$29.00}. They then charged a late fee on the late fee of {$30.00}, giving a total owed of {$59.00}!
Consumer complaint received 2020-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I have received 2 Fraudulent emails from Ace Cash Express demanding money from me on a loan that I have paid off. ( see below ) ACE CASH EXPRESS XXXX XXXX  ( 8 hours ago ) to me We are talking about the creditor ACE, ( Advance Cash Express ), is a parent company which owns and operates more than 80  parental payday loan websites like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ACE CASH EXPRESS, XXXX XXXX, XXXX XXXX  etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account. 

We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/20 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. 

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Do reply ASAP. 

Yours sincerely, ACE CASH EXPRESS AND Court Case XXXX Last Date to file XXXX. 


We are going to file a lawsuit in next 24 hours at United States District Court XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. 

Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. 


Thank you, ACE CASH EXPRESS.
Consumer complaint received 2021-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

My son had XXXX XXXX treatments at XXXX XXXX XXXX in XXXX and XXXX of XXXX The XXXX visits were paid by insurance and we paid our copay. XXXX XXXX had some confusion about the claims for XXXX since we changed insurance effective XX/XX/2020. After receiving several statements from XXXX, I called XXXX XXXX XXXX to find out why the XXXX visits were not paid. I contacted XXXX on XX/XX/2020 and XX/XX/2020 and asked them to reprocess the XXXX claims and to put our account on insurance hold. 

Today we were notified that the XXXX claims were turned over to collections. 
It is irresponsible of XXXX to turn claims over for collections when they should be pursuing our health insurance carrier.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ID)

The last statement I received was datedXX/XX/XXXX from Citi Bank Visa. <P/>I would like to ask the Consumer Financial Protection Bureau to interceded on my behalf. I have been trying to get a final statement from Citi Bank since my wife 's death XX/XX/XXXX. The account was since closed and credit cards were cancelled on that same date. <P/>On XX/XX/XXXX, XXXX XXXX XXXX Hospital, XXXX, Idaho issued a credit of {$3600.00} to XXXX 's account. At no time did Citi Bank acknowledge that the account was closed and the Visa card was cancelled since XX/XX/XXXX. XXXX XXXX XXXX Hospital has contacted Citi Bank and requested the return the funds to no avail. Citi Bank has failed to respond to me of the hospital as of this date.
Consumer complaint received 2020-04-23
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: Exeter Finance, LLC. (GA)

Account NameEXETER FINANCE XXXX   Account Number680681XXXXXXXXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$22000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$13000.00} Balance UpdatedXXXX Recent Payment {$1400.00} Monthly Payment {$0.00} Original Balance {$21000.00} Highest Balance {$0.00} TermsXXXX Months On Record UntilXXXX XXXX
Consumer complaint received 2017-09-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

Equifax , Inc. failed to secure my data. It was stolen and now I am at risk of having my financial identiy used to ruin my credit status.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I submitted a XXXX XXXX XXXX XXXX ( XXXX ) form on XXXX XXXX, XXXX, the form stipulated it expires XXXX XXXX, XXXX. I received a letter XXXX XXXX, XXXX stating my form was rejected due to a new form that was created after therefore rejecting my form with Expiration date XXXX XXXX, XXXX. Terms and condition have changed in the new form. They are just prolonging services that I applied for.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I was XXXX of those XXXX XXXX Americans affected by the security breach at Equifax. I have since struggled with activating the protections offered by Equifax because of horrible load times of their web site and a complete inability to speak with an Equifax representative. 

It takes seemingly for ever for the Equifax web site to load and, once it does, it gives me the XXXX option of locking my files. However, there is no mention of establishing a fraud alert or establishing a security freeze, which I understand are XXXX other options that are supposedly available to me ( in addition to the file lock which is available in lieu of a security freeze ). 

My many efforts to talk with a representative about this issue have been fruitless. I have been placed on " hold '' several times for up to an hour before giving up the effort to speak with someone. 

It has now been several weeks since I began my effort to secure my credit records at Equifax and I am still struggling to complete this endeavor.
Consumer complaint received 2017-09-29
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: RFNA, LP (GA)

Someone open an account at XXXX XXXX in XXXX GA in XXXX of XXXX. I did not know of this until they sent me a past due letter in the mail. When I called them they said they sent me a check in the mail and I cases it in Virginia. I never received any check for $ XXXX. They also started I would have to come in and sign doc, then I talked to XXXX and he said once approved they send you a check. I keep informing them I have nothing to do with this account. Also now they are trying to come after me for about {$300.00}. I have nothing to do with this account and want them to remove it from my credit.
Consumer complaint received 2017-09-29
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. (GA)

I received an email on XX/XX/XXXX about Equifax data breach that affected many consumers. I was one of the consumers that it affected. I called Equifax on XX/XX/XXXX to have inquiries and other items removed off my credit report, because of this breach. I talked to a rep and was told " NO '' they could not remove the items off my credit report. The email that I received stated the following " XXXX, As you may know, millions of Americans had their personal information exposed by the recent Equifax data breach. Also, they have been hit with a lawsuit over the breach that affected 143 million consumers. Equifax failed to protect the consumer data it collects, including millions of Social Security numbers, names, email addresses, birthdates, and other personal information lost to cyber thieves ''. I feel that Equifax should be able to delete items from my credit report, because of this breach. Here is the following inquiries that was not deleted off my credit report because of the breach. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX/XXXX XX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX **I have dispute many times with Equifax about being an victim of identity thief and now I learned that Equifax has breach many consumer data. Need Equifax to removed the inquiries off my credit report and two collections that are on my credit report : 1.  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$XXXX} 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) for {$XXXX}
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

I have a JcPenney credit card issued by XXXX XXXX. I made my first purchase with them on Saturday XXXX/XXXX. I have a {$100.00} credit limit and spent {$60.00}. I go to pay if it off yesterday XXXX/XXXX, and there is {$0.00} available balance.
There is a posted transaction for {$60.00} and then a pending charge for {$60.00} ( it put me in the negative by {$20.00} ). It stated online all pending transactions will post in 48 hours.
I contacted them yesterday XXXX/XXXX and they told me I would n't be charge and the pending amount should fall off soon.
Today, XXXX/XXXX, I checked again and it 's still pending. Contacted them again and the girl was very rude and said I had to wait till Monday to see if it " falls off ''.
This is absurd. I have other Synchrony cards- and none of those, do this. Why is this allowed? This is not right! I have both reference numbers if you need those.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (KY)

On or about XX/XX/2018 I moved into a house with roommates and an account was opened with the water company in my roommates name. Neither my roommate nor myself could get to the water company to pay the water bill because neither of us had transportation. I elected to pay the water bill electronically via the water companies official website using one of my bank cards. I am not the account holder, I was an authorized user on the account. I no longer live at the address in which the account was opened. A collection agency attempted to collect on this debt and I explained that the account was not in my name. The collection agency reported the debt to a credit reporting agency reporting that I owe approximately {$1000.00} which, in turn has negatively affected my credit score, which I have worked diligently to improve over the past year or so. I contacted the water company and explained that the account was not in my name but was unable to reach a resolution. I have recently contacted the collection agency via email with the explanation as to why I don't think the debt is mine considering the account was opened in someone else 's name however I have yet to receive a response from the collection agency. At the time that the debt was ongoing was right in the midst of the COVID crises and at a time when myself, my children along with my roommate had contracted COVID, I don't know if this information is helpful but I'm including it anyway. Please contact me with any further questions about this complaint. Thank you kindly for your help with this matter.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

I have called by phone multiple times, emailed multiple times ( XX/XX/XXXX and XXXX and XXXX ) for which I have copies, and sent a written letter on XX/XX/2020 to my mortgage servicer, Wells Fargo Bank, requesting a 6 month forbearance under the CARES Act as I have had not income for nearly 2 months and my business has had a 90 % reduction in income due to the Pandemic. I know that XXXX XXXX   owns my mortgage. I have been put on hold for hours, and had only form emails and letters in return none of which is in reply to my clearly expressed request for a 6 month forbearance. Wells Fargo has replied in a form letter that I will have a 60 day deferral at which time i will owe full back principal and interest as a balloon payment. I do not have any other options to contact Wells Fargo and all attemts to communicate which have taken hours do not get me to a real person but only result in form letters that are not responsive to my direct request made with identifiers of my loan number and numerous ways to contact me. 
Please help me get a direct response to a simple direct request that I know is provided for by the CARES Act that I will receive 6 months forbearance.
Consumer complaint received 2017-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Hello, I have loans with Navient, who XXXX XXXX is their collection department, I entered in to a payment plan with them after not knowing that these XXXX loans did n't consolidate with my other loans. I entered in to payment plan with them making was making {$50.00} payments and up it to {$120.00} a month when I was informed that it would help me to come out of default status. 
However, that was not the case, it showed back up on my credit report as default loans, I called the loan service XXXX XXXXNavient and I was informed that those payment were not applied to my plan. I do n't know were they are applied too, they stated i was just in a low interest plan and stated in order for that status to come off my credit report and for the loans to show a good standing I would have to pay the loan in full, and they could make a settlement with me for {$5700.00}, which I could now make a new arrangement to start making a new payment of {$470.00} a month. 

So the {$1500.00} plus amount I have already paid has went to nothing on improving the status of this loan and now they are on my credit report as default which is keeping me from getting a mortgage. I asked them if they could please update the status on my credit report because I have been making payments to them on the agreed amount which they do auto pay. Their response was, I would have to pay the loan settlement before the status could be changed. 

.
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Dear Sirs, I do have problems with my local Bank here, Wells Fargo and I want to transfer my XXXX check that I am receiving from our Social Security to another Bank account that I have nearby. No matter what I am telling them they do it their way. I did transfer my little saving balance to my checking account and closed the credit card account. They did charged me {$16.00} for stupidity because I had a credit card without the chip attached to it but able to use it on the internet but not on local store and that was the beginning of the problem when I went to the Bank and try to explain to them the case but when I came home some how I did find the credit card that they send me with the chip and within the hour I did went back to the Bank and explain to them the reason but the young representative did not want to hear the story and charged me {$16.00} but I did pay them {$20.00} that shows on my credit card account. When they closed the account so also the {$4.00} went with them for coffee as I say it. I got charged {$20.00} also on the checking account or the savings account wish I did transfer the moneys to the checking account and as today my savings account shows {$0.00} but still open account. I have to find another Bank to transfer my XXXX check of {$1100.00} and close also the checking account and not deal with them at all. This is the way our Banking system works and specially the older people facing those problems without any help around. What else left for us. I do have problems after problems with everything around like Banks, Hospitals, Doctors, Pharmacies etc. How far we can go with all those problems. What else left for us. Is there anyone to help the older population in America? 
Sincerely XXXX XXXX
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Three years ago I had identity theft and enrolled in Equifax freeze protection. They charge my credit card {$6.00} per month.
Recently Equifax has had a breach in their data and I looked on their website and it shows that my data has possibly been affected and they offer a FREE Freeze product via Trusted ID Premier, which I signed up for. Please see attached proof of process dated XXXX17. 

After five days when I still had not received the " final '' activation email I started to call and was on hold with a variety of telephone numbers for hours over a four day period. When I finally did reach someone, they had no idea why I did not receive the above email and I should just give it more time. 

After another four days I finally called Equifax sales at XXXX who is the department that sold me the original above {$6.00} product. The sales department answered their phone within 10 minutes. Umm, something to think about.
Anyway, the Sales Rep said the reason I have not receive an activation email for the free product is because I have the {$6.00} product. The Sales Rep said the only way to get the FREE product is to cancel the {$6.00} product. Though she WARNED me that once I cancel this {$6.00} product I will be exposed to identity theft for at least a week until Trusted ID can activate the free product.
How does that make any sense? The Sales Rep said it is the only way to get the free product.