davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

I purchased my deceased mother 's home. Financial freedom sent a pay off that was XXXX more than what was owed. The closing was 5 months ago and the estate is now closed. Financial freedom is now returning the stolen money but the check is written in the name of the closed estate. They are refusing to reissue the check jointly in my name XXXX XXXX and the name of the estate thereby forcing me to have to spend time and money to reopen the estate all because they were trying to steal and could not. I authorize you to publish this so the public can see how awful these thieves are.
Consumer complaint received 2017-10-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Auto Pro Title Pawn, Inc. (GA)

I went to A1 Action Cash to get a loan on my car in XXXX XXXX and I paid on time. In XX/XX/XXXX the car stopped running but I continued to make payments on it. In XX/XX/XXXX I took the car to the dealership to attempt to get it fixed. I paid {$500.00} in attempt to fix what the dealership said was wrong with it. I told the office manager that I could no longer pay off the loan because of financial issues but she refused to go get the car because it was inoperable, although I told her where the car was located. She filed criminal charges against me with malicious intent to have me put in jail even though a crime has not been committed. When we showed up in court, she committed acts of perjury stating that she called the dealership and an employee told her that there was a storage fee of {$500.00} which was not true because I paid my service repair fee in full on XX/XX/XXXX. I also went to the dealership and spoke to the service supervisor to ask if I owed anything that I was not aware of and he told me that I paid what was owed which was only {$500.00} for the service that was done on the car. I did not owe any storage fee.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX XXXX marked my XXXX XXXX XXXX card as " lost or stolen '' even though I did n't report it as lost or stolen, while I was overseas. I never got any notification from my online account or from my email of this happening. I found out because a number of merchants could n't charge anything to the card, and I called XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX to find out what was going on. The XXXX representative said that the card has been marked as lost/stolen. I asked them to reverse the notation but was told it ca n't be done as a security measure. When I asked to get the card replaced, as I needed it in XXXX, they made a huge fuss about it - that they could n't replace the Platinum because my card was new, even though this whole mess was squarely XXXX XXXX 's fault that they marked the card as lost/stolen in the first place. After insisting that I need the card and that the card must be replaced ASAP for several hours, they finally agreed to " make an exception '' and send the card to me within a week to XXXX, XXXX where I would be at the time ( the time that it would take for the international shippers to deliver the package with the card ). I was supposed to get an email within 4-5 days, but I never got it, which was n't a surprise as XXXX XXXX had n't sent me any useful emails, such as when my card was invalidated. In any case, the Platinum, which was supposed to arrive by XX/XX/XXXX in XXXX as promised by XXXX XXXX, never arrived. I tried calling XXXX XXXX from my international location, but due to telephone issues on the XXXX XXXX, I could n't talk to anyone. I 've spent a total of 20 hours trying to resolve this issue, and going through hardships on my trip because of XXXX XXXX 's repeated mistakes and excuses. To add insult to the injury, I 've been charged the annual fee after only having a working card for 4 days. On my return from XXXX, I checked my mail to see if XXXX sent the card accidentally to my home address. However, I 've received no replacement card even at my card 's listed address. 

Additionally, I have lost a month 's worth of charges to the new card to receive the sign on bonus ( which is to receive XXXX XXXX XXXX after spending {$3000.00} in 3 months ). I ended up having to spend approximately {$2100.00} from XX/XX/XXXX until XX/XX/XXXX I would have nearly reached the minimum bonus spending requirement in this first month on this overseas trip. Hence, XXXX not only inconvenienced me immensely on my trip but also deprived me to meet the minimum spending requirements. 

XXXX XXXX invalidating my card without me reporting it as such is a security issue, and them claiming that they sent my card, never actually replacing the card anywhere, and also charging the annual fee when I have n't had a working card due to their mistake is fraud.
Consumer complaint received 2015-08-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened an account with Bank of America on XXXX 2015. On XXXX I deposited a check from my XXXX account and they had the money within any problem. On XXXX XXXX I deposit a check for XXXX from XXXX too because my employer deposits my salary direct on XXXX. Well, XXXX paid the check to Bank of America on XXXX XXXX but now Bank of America is holding my money up to XXXX. I ca n't understand why they are holding my money if the check was paid to them. That 's unfair because I had to wait XXXX days in order to get paid from my company, it 's an abuse that they make me to wait XXXX more days
Consumer complaint received 2017-03-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AMERICAN EXPRESS COMPANY (IL)

American Express contacted my work after I had asked them not to call my work number as I am not allowed to receive those calls at work. They called the main line and then informed my assistant that they were AMEX looking for me. I had asked them already to remove my work number several months before that.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (AK)

I was solicited by American Express to open a credit card. The offer promised XXXX XXXX XXXX points in compensation for spending XXXX dollars on the card in 3 months. When I received the card, I called the activation number and confirmed the terms and conditions.Amex solicited me, I was told I was eligible, and fulfilled the terms and conditions. The points were not awarded to my account. I contacted Amex, they claimed I was not eligible because " I had a similar offer in the past ''. 
Amex solicited me. I acted in good faith and confirmed the offer. I fulfilled the terms and conditions. Obviously, Amex has a data base an knew or should have known if I was eligible. I contend that I should be awarded the points.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (TN)

Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I just want to send this to make sure I get my facts right and make sure there is a record of this information for further use. If I am correct, Equifax claimed that they finished an investigation, and I assume Equifax contacted XXXX XXXX XXXX to get this information, and claimed a negative item was mine. I had been in contact with XXXX XXXX XXXX who told me that a name I am unfamiliar with was also on this account as well as someone who used my wife 's name but was unaware we were married so opened the account using her maiden name. My wife had an account with XXXX XXXX XXXX at this time and that XXXX used her married name so I know XXXX XXXX XXXX had this information. When I request the proof Equifax claimed to have as I assume Equifax would require proof if they declared an item mine, they are doing another investigation. Does no one oversee credit bureaus? Does the CFPB ever take any action against these people like they claim too? I am going to contact the office that handles complaints against the CFPB because this is rediculus that I have written so many complaints.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I opened a XXXX XXXX XXXX close to 10 years ago. I have been using my card diligently including becoming one of their best customers in the Luxe card category. I have been making payments as required by the card agreement including making extra payments. I recently updated the details for one my accounts that I use for payment. However when I proceed to check out my payment, the system defaults to the old account that I no longer use. It has happened twice in XXXX and last week XXXX XXXX XXXX. The payments am attempting to make are not the required monthly minimums but rather extra payments. The card has always been paid on time, with no missed or late payment for 9 years. Unfortunately yesterday when I attempted to use the card the transaction was declined. I made an effort to contact Synchrony bank the card issuer and was told my account was closed due to returned payments on two occasions. I requested that they review my account, payment record/history, duration the account has been in service and other information on my credit file. However one the managers XXXX XXXX declined my request. I have been a card holder for the last 10 years and I find this business practice punishes a cohort of those customers that otherwise are up to date with no missed payments or late payments and yet the bank is not amenable to reviewing these supervenient circumstances, a core to good customer relations.
Consumer complaint received 2016-05-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwestern Health Management INC (MO)

Hello, I really do n't know where to start, there are so so many of multiple complaints and issues with this company and their business peactices XXXX affiliate XXXX XXXX XXXX XXXX!!! XXXX Northwest Financial Services sent me collection letters that I certified back to them by mail with notice that I 'm disputing and want verification of the medical debt that NWF stated that I owed. I sent the certified letter by mail within their 30 day period and I never recieved a validation letter in return, but that is just one of the small things. NWF is continously sending me mutiple collection letters ' for my XXXX daughter that does not live with me yet alone we live in different towns. NWF is still sending me debt collection letters for the same same dates of services and with different amounts but same account number ... ..EXCEPT for XXXX collection letter that they mailed to me, stating that ai owed medical debt for services I never rendered. NWF removed my daughters name and then added my name with a fake/false account number that went with it and then they sent it to me for demand payment. I have all the documentation and the letters from XXXX XXXX XXXX and NWF, stating and showing the misrepresentation, false statements. Account numbers and amounts NWF stated that I owed. I have all the documentation, statements and itemized statements that shows their falsifying statements that this is not an active account number, etc ... ..again, this is just XXXX of the multiple and multiple of complaints and issues that I 've had with this company. I also want to file a complaint and I am in the process of filing a federal civil suit against both Northwest Financial Services and XXXX XXXX AKA XXXX XXXX XXXX regarding multiple issues, fraud, misrepresentation, etc. I do n't know if you guys can help me and aide me in yhis process and help me make the best decision that I need to, to take against suits against these companies. I 've had enough and they are not going to bully me make me lose any more sleep any more hours at work and any more time with my family by investigating this every year. Thank you so much for your time and I hope to be hearing from you to see what I can do to move on in the right direction of a federal civil suit and you can see all of my evidence against these businesses. Again, thank you for your time. XXXX XXXX XXXX has summons me to court already with all this debt, which I did WIN, however theyvare still harassing me and still sending more collection debt notifications by mail over same dates of services.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TENET HEALTHCARE CORPORATION (FL)

I submitted my insurance docs to the hospital and the the collection agency. I drove down to the hospital many times and each time they told me they do n't have any insurance on file and no attempt was made to file a claim with insurance. I have XXXX and they 100 % cover this bill. 
after one year they can not bill my insurance anymore. THEY NEED TO BILL IT NOW!!!!!
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

On XXXX the XXXX I sent a letter via certified mail to XXXX XXXX XXXX XXXX asking them to validate a debt that they reported on my credit report and to provide me with my signature. By law i have that right to have the debt validated. XXXX XXXX XXXX XXXX received my letter on XXXX XXXX and around the XXXX or XXXX of XXXX i received a letter back stating that they were unable to locate XXXX XXXX in their systems. If they were not able to locate me then why are they reporting to the collection agencies.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

My mother XXXX XXXX recently passed away and she had a credit card from XXXX in the amount of {$4100.00}. XXXX XXXX from Wellman, Weinberg & Reis in XXXX and I we agreed on the phone on XX/XX/XXXX ( they recorded the conversation ) for a settlement of {$1200.00} as a one and final settlement for this amount and it would be reported to the credit agencies as settled and no further collection against this debt would be pursued. They were supposed to send the letter stating the settlement terms three to five days from there and never did. I left a couple of messages and they called back today XX/XX/XXXX and reneged on the agreement. I spoke with a XXXX then XXXX and they both reneged on verbal agreement for {$1200.00} as a one and final payment to settle the account entirely. XXXX tried to say it was just a payment and it was definitely not. I have done a few Credit Card settlements in the past and know exactly how to do them correctly, so this is clearly a fabrication of events on their end. They are disputing that {$3000.00} of those charges went to a funeral home after my mother XXXX passed on XX/XX/XXXX but she authorized us to do this before she passed. This information was also mentioned to XXXX on XX/XX/XXXX and she, her supervisor and Wellman attorneys all agreed on this amount. There has been documented cases on the FTC and BBB in XXXX, Ohio from others about Wellman reneging on settlements in the past. This is a pattern with them. To resolve this issue I simply want Wellman to send the letter agreeing to our original terms on XX/XX/XXXX which was ; {$1200.00} as a one and final payment to settle my mother 's XXXX card of {$4100.00}, send a letter stating that the account is settled upon cashiers check payment of said amount and the terms we agreed upon. I can be reached at XXXX XXXX XXXX or XXXX. Calls are preferred. Thank you. XXXX
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (ID)

I have been an XXXX customer since it acquired XXXX XXXX in late XX/XX/XXXX 's. I have had the same cel phone number since XX/XX/XXXX. I have added lines since then for my family and business. I have always paid the bill, never had the service cut and have always worked through issues or discrepancies with the company. Somehow, XXXX claims there is a XXXX balance from several years ago. Keep in mind my monthly cel phone bill averages over {$500.00} a month. I called XXXX and disputed the charge. I was under the impression that the matter was resolved and that it was an accounting error or misapplication when the account was reassigned to a new representative and switched to a business account. At some point I was contacted by a collection agencies and explained this and the matter was not reported to my credit report. I disputed and assumed my dispute was communicated back to XXXX who verified my position and I never heard back from that agency. Then several months later I was contacted by Diversified with the same claim. I disputed it. Then they reported it as in collections. I contacted Diversified and they said they verified the debt with XXXX. They never presented documentation that I owe this or that XXXX did in fact verify something that I had understood to be resolved in my favor. Now this mark is listed as in collection and is impacting my otherwise very good credit score.
Consumer complaint received 2017-02-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received of Debit card from BofA and within 2 months the chip stopped working. I am very cogniscient of the need to protect a card with regard to magnitization however when I reported this to BofA the only response was that I had to pay a {$5.00} fee to replace the card. I have gone several months without using the chip feature however it has gotten to be such an annoyance that I have finally given up and ordered a replacement and paid the {$5.00} FINE
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (LA)

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( see attached ) I sent certified mail return receipt to the company mentioned for a dispute. The failed to comply with FCRA requirements not only XXXX time but multiply times. They broke a federal law by not marking my account disputed which is required by the FCRA law and guidlines. They have continued to ignore all of my request to this alleged account. They have not responded not even once to any of my certified letters.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I opened a secured credit card account with XXXX XXXX and made my initial deposit of {$300.00} to secure the balance on my card. XXXX has closed my account. On my credit report is states that my last payment was XXXX XXXX, XXXX. Since then my account has been closed. I no longer continued to use the card. XXXX has continued to report that I have a balance on my account. I have spoken with representative several times about this account inquiring as to why before XXXX charged my account continued interested and then later over the limit fees was my deposit not applied to my account to balance as stated in the original agreement. They were notified to close to the account and use the secured to pay off my balance but instead they continued collection activities on this account and is now reporting that I still owe a balance and that the account is written off. How do I 1. Have a balance on a card that was secured with a deposit. 2. How are the credit bureaus still allowed my many attempts to have this account removed since they choose to not to update it appropriately because it is showing along with bad payment history as opposed to paying the balance which was below the {$300.00} at the time and then just closing my account. It closed the account showing that my credit utilization was at 152.00 %.