davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Customer service at XXXX XXXX onXX/XX/XXXX is extremely rude and should be fired. They can not even answer a simple question. System is down, I paid for online service and not receiving it. They should offer a discount or credit, for not contractually filling online service contract, and being a fraud.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

There is one account in collections on my credit report. I sent a letter to the collection agency asking for the copy of the signed credit application for thed debt since the account is not mine. It appears as if my identity was stolen and someone took out a credit card in my name. The credit card company sold the account to this collection agency called : LVNV FundingXXXX Resurgent Capital Services. On XXXX XXXX, XXXX, I sent a letter to LVNV Funding,  requesting a copy of the signed application. The company that replied was Resurgent Capital Services. They sent me copies of Statements. On XXXX/XXXX/XXXX, I replied to their letter advising they sent me statements, however they did not send me a copy of the signed credit application so I can report this account as fraud to my local precint. I have not received the copy of the signed credit application as of XXXX/XXXX/XXXX.
Consumer complaint received 2017-09-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

The collection account ( XXXX XXXX XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved
Consumer complaint received 2017-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXX and I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

This is a complaint against Morgan Chase bank, and their unconscionable, profit making scheme called " overdraft fees '. 

In the past year I have PAID CHASE BANK {$1400.00} IN OVERDRAFT FEES. 
CHASE, in return, has done me a BIG FAVOR, of reversing 5 charges on my business account for a total of {$170.00} I believe Chase has manipulated its processing system to where instead of looking for " credits '' first, it will debit a consumer account, if the consumer falls into their TIME TRAP, to make deposits. 

I am in California. Most if not all of the overdraft fees I have paid I believe the funds were in the account on the next business day, but because they had not been deposited before " XXXX XXXX Eastern Standard time, '' regardless of whether a deposit was enough to cover any overdraft, Chase refers the customer to their " boiler '' policy which only allows them to reverse 3 or five transactions in a 12 month period for {$170.00} but its okay for them to XXXX THE CONSUMER for {$1400.00} XXXX XXXX was sued and had to pay a settlement on its overdraft fee policy. 
Chase was apparently sued in XXXX ( below is the beginning of an article on a case initiated in Florida in XXXX. 

It is important to note that nearly every transaction for which I have been charged these overdraft fees were CHASE TO CHASE, CASH DEPOSITS. 

I called today to try to get some relief from 7 overdraft fees. I started in the " XXXX '' and worked my way to a manager in the XXXX who gave me their standard XXXX telling me about the Pamphlet that allows them to do this. 

I saw an article online that indicates a lawsuit being filed against Chase for XXXX. 
If Chase has violated the law in any way, i want a refund of ALL OVERDRAFT FEES they have charged me. 

The Chase policy is " unconscionable ''. I have seen internal memos of Chase bank where they have discussed how their overdraft protection program is designed as a " profit making program ''. I do not even mind if my account had to be dinged at some point and Chase wants to make a profit for covering a charge. I believe, however, the Chase system is rigged against the Consumer. 

I got nowhere pleading with them for some relief today from these fees. 

Here is my information. 

Law Office of XXXX XXXX XXXX Chase Bank - General Account ending in " XXXX '' XXXX XXXX, XXXX. 
XXXX XXXX, California XXXXXXXXXXXX FROM ARTICLE FOUND ON XXXX TODAY : XXXX XXXX XXXX has agreed to pay {$110.00} XXXX to settle a class-action suit challenging the way it charged debit card fees to customers who spent more than what was in their accounts.
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA has mishandled my escrowed property taxes since originating the loan, over and over again, miscalculating reserves, increasing the monthly withholding by about {$1000.00} per month, then decreasing and sending me a check for withholding too much, then failing to pay the taxes and incurring penalties and interest, then increasing the withholding again. I am shocked and appalled by their incompetence, and repeated insistence that I am to blame for their failures. It reminds me of the movie The Rainmaker, just that they have n't called me " XXXX XXXX XXXX ''. The only thing I 'm asking for right now is a refund for the penalties and interest that I incurred, in the amount of {$1300.00}. If they ca n't do this, and my appeals to you and their other regulators come to no avail, I intend to file a claim against them in small claims court, but to add claims for emotional distress and my time up to the maximum allowable.
Consumer complaint received 2024-06-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Results Unlimited, Inc. (VA)

A lien was put on my checking account without notice or my permission. My account was sold to a third party without my knowledge and before any judgment was made. I moved out of the apartments in question in XXXX of XXXX and my account was giving to Results unlimited in XXXX of XXXX. The apartment complex also had a forwarding address for me but I did not receive any court notices dates or info about a debt owed. Nobody reached out to see if we can work out a payment plan or nothing they basically just taking my money ( robbing ) me XXXX and theres nothing I can do about it. Between XXXX XXXX XXXX XXXX XXXX XXXX someone did something very wrong and possibly illegal!
Consumer complaint received 2017-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Background : I was sent a letter by Bank of America to update my personal information in XXXX XXXX. I did not respond to it. In XXXX XXXX BoA cancelled my XXXX card. 
I went to a BoA Center and inquired about my XXXX XXXX. I was told that there was some fraudulent activity on y account and Debit card was cancelled. While at the banking center I informed them that i have received a letter from BoA requesting additional information. 
I was told by BoA representative that all information on y account is current and he provided me with a temporary XXXX Card and BoA sent me a new XXXX card with in a week with no intimation about reason of XXXX card cancellation. 
On XXXX XXXX XXXX BoA froze my personal checking account, without any warning. I came to know about this fact when my credit cards payments started to bounce. 
I called BoA on XXXX and that was the first time I was put in-contact with BoA compliance department. I provided the required information and was told that my primary checking account will be unfrozen. 
I called back again on XXXX morning an was told by BoA compliance Supervisor that my Primary checking account is now open and I should continue with normal banking activities. In evening i tried to pay my XXXX Credit card and the payment bounced again. 
On XXXX XXXX back closed both of my credit cards, citing those as high risk accounts due to multiple returned payments. 
Impacts Bounced Mortgage Payment Bounced Car Payment Bounced XXXX XXXX XXXX XXXX Bank closed both my credit cards marking me high risk customer due to multiple returned payments Severe Impacts to my XXXX XXXX The above situation was caused by complete lack of communication between different departments of BoA. 
If my debit card was closed on an advice of Compliance department, the branch did not give me any indication of that fact, rather I was issued a new XXXX card. 
No communication was done to my before closing my XXXX card or XXXX account. 
BoA regularly uses Text messages and emails to communicate. In this case no out reach was done. 
Even after reaching BoA compliance department, I was provided wrong information by their supervisors. 
I was repeatedly told that various BoA employees did not provide me the right services, thus impacting my life in a very adverse manner.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I have disputed an inaccurate public record Equifax has been reporting. They report that I have a NJ state tax lein of {$11000.00}. I have never had such lein. In fact I received a state refund this year. I have been disputing this since XXXX XXXX. I sent several more disputes throughout the years with no results. I called, disputed online, sent letters. With no response. I called today and they advised that in XXXX XXXX they verified this information. When I asked how this information was verified she could not answer that question. She told me to send supporting documentation. I asked how I would get documentation if I never had a lein against me in the first place. If they verified this inaccurate information as they are required to, then this would not be on my Equifax report. I have asked for a reinvestigation since XXXX XXXX. No response from Equifax and this time still remains and preventing me from getting a mortgage and a new home for my family. This item does n't show on XXXX or XXXX. There is no state or federal lein against me. I am demanding they remove this false and in accurate item from my credit report immediately. Or I will exercise my rights. In addition to the false reporting of the state tax lein, Equifax reinserted a collection account from XXXX XXXX and XXXX for the amount of {$120.00}.
Consumer complaint received 2017-09-23
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: Premium Credit Bureau (FL)

I am filing a complaint on a hard inquiry that was made on my credit report without my authorization.The inquiry was done twice in XXXX XXXX by a company called Premium Credit Bureau their address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone # XXXX. XXXX recently posted the hard inquiry to my credit report which decreased my credit score by XXXX points. I reported the issue to XXXX customer service informing them I was a victim of the inquiry issue they had, I received no help and they refused to take off the negative inquires on my credit report. I was told to contact the company and have them send a letter requesting the removal of the hard inquiry. I have tried to reach someone from the company for over a week now but to no avail. I am requesting for XXXX to remove the two hard inquires done by Premium Credit Bureau on my credit report that I did n't authorize. Thank You!
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (VA)

This is a complaint regarding the credit sales practices of Macy 's department stores. When I was checking out to purchase an item a few weeks ago, I was convinced by the sales agent to purchase the " Thanks for Sharing '' promotion. The agent told me that I would receive 10 % of the purchase price as a statement credit in exchange for paying the enrollment fee of {$25.00}. She confirmed that the 10 % off would directly reduce my statement balance. As a result of agent 's statements, I purchased enrollment in the program and also purchased a more expensive item. 
I received my XXXX/XXXX/2016 statement and there was no statement credit for 10 % of the purchases. I called the customer service line listed on the statement. I explained the situation to the telephone customer service representative who told me that the sales agent told me false information. The representative told me that the 10 % does not come as a statement credit but rather as a rewards credit and later on, I would get a gift card. I am not in a Macy 's rewards program and my credit card account statement does not have any information stating rewards were accrued to me. I asked for a 10 % credit to be applied to my account ( what I was promised when I purchased enrollment ) and that request was denied by the representative. I asked for the terms of the program to be sent to me and to have someone call me back regarding my complaint about the program. The representative told me she would have the program terms sent to me but expressed doubt as to whether anyone would contact me regarding the program. 
The deceptive statement by sales agent resulted in me purchasing a temporary add-on credit card product that will not provide the benefits promised. From what I was told by the customer service agent, my lack of enrollment in the rewards program precludes my accrual of benefits in an alternative, inferior, method of benefits. Macy 's should not have sold me an enrollment in XXXX program that requires membership in a second program when it knows that I am not a member in the second program. 
I would like a 10 % statement credit to be provided. Additionally, Macy 's should provide comprehensive training to its sales employees and implement a system of controls to manage the risk of making deceptive claims in sales.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NV)

In XXXX 2015, I was given a code for XXXX bonus american airlines miles if I open a new bank account with Citibank ( Citi Gold checking ). The code was accepted, I adhered to all of the requirements and in several secure messages, I was told that I had acheived the requirements and that the bonus takes time to process. Finally after 6 months, I was told that the offer was targeted and that my bonus wo n't be going through. I have spent a lot in fees based on this promotion. If I do n't get the bonus, I 'd like my fees back.
Consumer complaint received 2017-09-13
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. (PA)

Equifax 's security breach has created an undue burden on the entire adult American population, putting our financial and social lives at risk. In addition to allowing all of our sensitive information to be leaked, AND keeping this leak a secret for three months, they have placed the onus of responsibility on the American people to pick up the pieces. The fact that they and the other credit bureaus stand to make a profit off of this national crisis is unconscionable.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Date : XXXX/XXXX/XXXX amounts : {$19.00} I was signing up an account on TransUnion website. It was just for signing up a new account, but my credit card was charged by TransUnion. I XXXX percent did not approve this transaction. 

TransUnion is a XXXX on this. It let me input my credit card number to validate my identity, but that 's not true.
Consumer complaint received 2017-09-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.
Consumer complaint received 2017-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I HAVE SUBMITTED DISPUTES TO XXXX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Consumer complaint received 2017-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GENTRY FINANCE CORPORATION (UT)

Gentry finance located in XXXX ut is the most difficult company to deal with. They have done nothing except make this loan difficult and unpleasant to say the least they have harrassed me to a point of feeling like a loser i wont answer my phone any longer. They have called my work more than 20 times after my boss told them not call they have harrassed my family members to a point with threating messages to give me and my info on my loan which should be private i borrowed XXXX dollars made every payment but has been late cause i get paid on the XX/XX/XXXX and XX/XX/XXXX and my payment is due on the XX/XX/XXXX if I I had money I would n't have got a loan through them I am struggling I have made every payment of {$150.00} and they add on {$30.00} every month for a late payment they will not change my due date to XX/XX/XXXX I still have to pay my rent or my car payment or my insurance and i have a family to take care of .I have to survive too they are harassing me I ca n't take it anymore please help me. they threaten me to take me to court by tomorrow morning at XXXX XXXX if a payment of XXXX is n't made which I am late making a payment but the XXXX is unbelievably wrong. They are not understanding they are bullies with big mouths i have been in there a witnessed this lady named well i forgot her name she was in charge of XXXX XXXX which has meged with gentry any ways i went in there to pay my bill and she was screaming at this person on the phone and was flipping him off as she was talking on the phone to this person. Its so uncomfortable going in there. They should be arressted and fired everyone of them. I am suprised no one has done anything to them its total evil there. thank you
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TX)

I joined XXXX 's Gym a couple years ago. When I went in and signed up I was told all I need to do was visit my local gym to cancel my membership/call. All I needed to do was call/visit at least 30 days before my contract was up and inform them that I wanted to cancel. I visited the GYM and called at least 5 times to be told it was cancelled and I would n't receive any further charges. This happened month after month and they were charging me. 
On the last call she told me that the reason I was still being charged was because I needed to cancel 60 days in advance and that was the reason I was still being charged. I asked them to please review the phone calls that are " recorded '' and they would hear the previous reps that informed my husband and I that my membership would be cancelled. I have now noticed it hit my credit report and never received anything informing me that I still had a membership and am being charged-owe money!! I followed their instructions and kept calling to cancel. How can I owe money for something that was cancelled and when my contract was over! The first call to cancel was in XXXX and continued from there.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

I called Equifax customer service XXXX XXXX XXXX on XXXX/XXXX/XXXX to cancel my product. I was instructed how to do so online by a customer service rep, but the option to cancel was not available to me as I needed to update my debit card information since it had expired. I updated my information, the option to cancel became available, and I immediately cancelled the product. 

I checked my bank account and I saw that my account had been debited for the monthly subscription amount of {$8.00}. At no point did I authorize my account to be debited. I merely updated my payment information so that the option to cancel would be made available. There was no indication, either by the rep or on the website, that by updating my payment information my account would be debited. I have no interest or intention of using the Equifax product, and requiring payment information to be updated before being able to cancel a subscription is extremely abusive and misleading. 

I reached out to customer service immediately via e-mail and was provided the following generic response : " Refunds will not be issued for monthly subscriptions. If this is an annual subscription, you will receive a refund based on the original purchase price and the number of unused months still available for your product. There are no partial month refunds. '' My main issue is that my account was drafted without my authorization. I only updated my account information so I could CANCEL my subscription.