davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: D&A Services, LLC (HI)

We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX  and XXXX XXXX XXXX. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX  XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. D and A Services XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HAWAIIAN, INC. (HI)

We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX and First Hawaiian Bank. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX of 2018 I opened an American Express Delta card after receiving an offer for XXXX miles. Since Amex has rules about the bonus I asked two reps over chat if I were eligible and both said yes ( I will attach screenshots. ) Based on this information I got the card ( lowering my credit score ), met the needed spend ( that Amex would not have gotten ) and never received the bonus miles. I asked about this and Amex opened an investigation. When I called a supervisor told me : - First that I had the card before ( I said I asked two chat agents ) - Then he told me I didn't meet the spend requirement ( but after some math, he saw I did ) - And finally that Amex just decided not to give me the bonus. He also said that what the reps told me is meaningless and offered nothing. 

He clearly had no idea. I don't understand how they can decide AFTER I get the card and AFTER I specifically asked their employees in writing if I was eligible to not honor the offer!
Consumer complaint received 2018-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: RFNA, LP (TN)

Loan 1 in XX/XX/XXXX found XXXX through a mail solicitation. A loan granted to me based on my creditworthiness I was told by the employee who initiated the loan. 
Loan 2 and Loan 3 in XX/XX/XXXX loan were amounts added to loan 1 from XX/XX/XXXX. How, XXXX  habitually sends skip a month, calls, emails, sends mailers, etc. 
At no time was I given a copy of my signed documents only blanks rolled up strategically in a wad in an envelope. 
At no time was I informed that there was any insurance policy issued against items listed on paperwork that I found. The employee asked what kind of household items I have and she herself said : Jewelry? TVs? I had no idea she was selling me insurance nor why she was asking such an obscure question. 
Insurance paperwork was purposely and skillfully hidden in multiple copies of XXXX XXXX XXXX   forms the insurance policy added in the amount of {$1300.00} and rolled in the pages and gleaned over by the employee covering the page with another page. Telling me that there is no credit life insurance. 
Upon calling for clarification, XXXX XXXX XXXX XXXX XXXX policy # to find out what is this insurance. The insurance representative said it shows coverages for XXXX gold earrings, XXXX channel set ring in XX/XX/XXXX then in XX/XX/XXXX XXXX TVs were added. ( It should have only been XXXX TV a XXXX XXXX XXXX not XXXX TVs when asked in XX/XX/XXXX ). In the amount of {$12000.00} it shows there is dual interest coverage, extended coverage, closed ended property coverage form. Further, the representative said that the policy should not have been issued without proper up-front documentation appraisals, photographic evidence, receipts/ dates of purchase, etc. 
The insurance representative also calculated that there is a refund owed to me of approximately {$800.00} to cancel this policy that I did not authorize or want. The insurance representative said that the approximate {$800.00} would go back to XXXX and not to me but towards the loan balance more than unilateral contract. 
I asked her would I have had coverage to repair the XXXX XXXX XXXX XX/XX/XXXX year of purchase. ( XXXX   would not take the TV they do not take DLP TVs and I had to pay the junk guy {$65.00} to haul it away ). The representative said without it having been properly documented at the inception of the policy no claims would have been paid if they were even able to repair the TV. 
The insurance representative told me to call XXXX to get the claim form and the refund form faxed to me immediately. See attached claim form and refund form, the insurance representative explained to me that there is to be photographic evidence, police reports, appraisals, serial numbers, model numbers, receipts of the items listed in order to perform any claims or services on this policy or even issuing the policy! 
I at no time possessed the alleged ring, earrings or XXXX XXXX TVs. I wear costume jewelry and I will NEVER own diamonds I will not support that industry!
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

On or around XX/XX/2018, I contacted the Chase Bank customer service number regarding fees on my checking account. My concern was escalated to a supervisor that ultimately resolved my concern by agreeing to refund me {$280.00}. After only seeing {$48.00} refunded, I contacted customer service again. I spoke to several individuals with no resolution. They said a supervisor would contact me, but no one did. I tried several other ways to contact them via email and responding to their call survey but still never received a response. I stopped by my local branch and spoke to someone that then spoke to the branch manager, and finally said they had to pass the issue to the Branch Complaints Escalation Group. XXXX with that group said she would offer me an additional {$48.00} refund. Her supervisor, XXXX, also said the final amount being offered would be {$48.00}. He refused to let me speak to anyone else regarding my concern. I find it unacceptable that I was told I would receive {$280.00} but am now only being offered {$96.00}. Everyone I spoke to has confirmed I indeed was told I would receive the full {$280.00}, but everyone now says they have no authority to refund what I was promised. A company should have the integrity to stand behind their offer to resolve a customer 's concern.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I am writing you to request help to remove foreclosure from my credit score on all XXXX along with any negative comments. The reasons are as follows : 1. I was notified that I was included in a Class Action Suit against Wells Fargo Mortgage XXXX XXXX for an illegal mortgage. 
2. Wells Fargo knew I had an illegal mortgage from XXXX. Wells Fargo agreed and signed in Federal Court to modify all the mortgages that were included in the class action suit. 
3. I spent the next year trying to talk to them. I have names, times and dates if needed. 
4. I called XXXX XXXX XXXX XXXX and spoke with XXXX XXXX who asked " Why I never applied for a modification? '' I tried numerous times and was turned away repeatedly. I did finally get them to accept the application which apparently was not processed in a timely manner since XXXX XXXX had no record of it. 
5. At this point under the advice of my attorney, I stopped paying my mortgage, in hopes we would have an open honest conversation concerning correcting or modifying my mortgage. I did not write the mortgage agreement. The Bank wrote the mortgage agreement. It was their correction to make, not mine. 
6. I am enclosing a copy of a certified letter that states I am included in the class action suit. I am also enclosing a copy of the court record dated XXXX XXXX, XXXX It states that Wells Fargo was denied the right to foreclose on me. 
7. XXXX XXXX, my husband and I agreed to sell our house. We gave up, the stress was unbearable. 
8. On XXXX of XXXX, we closed on the sale of our home with a profit, not in foreclosure or in a short sale. Wells Fargo was paid in full. 
Wells Fargo 's lawyers and my lawyers were in contact with each other the whole time. 
They have ruined my credit. We were unable to buy or rent adequate and appropriate housing after selling our home. Five years Wells Fargo played games with apparently no intention of honoring their signed agreement in Federal Court to modify and correct the illegal mortgages. 
After 40 years making timely payments to mortgage banks, this has ruined my credit and reputation. I feel they have slandered my name and implied that I am not reliable. This has caused unbelievable financial damage and hardship to our family. 
I hope by sending you documented proof and informing you of the history, that you will be able to accomplish something that I could not. 
This is about correcting their report on my credit, removing anything negative from the report and damage to me.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

I closed my account with XXXX 6 months ago, paid off all balances in full. This morning, I received an alert that I owe XXXX on the card. 

XXXX attempted to charge the card a dozen times, and on the final attempt, XXXX allowed the payment. I stated to them on the phone when I closed the account, that no charges should be further allowed, and they acknowledged that in the affirmative. 

XXXX has admitted their mistake, but XXXX has taken no responsibility, and said it will take 60 days to investigate my claim. This account has been closed and paid off for 6 months, with explicit instruction to deny any charges.
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

A few months ago I contacted Commonwealth Financial requesting validation of two debts they stated I owed. I received a copy of an itemized statement in which did not have anything bearing my signature. I advised them that an itemized statement does not constitute validation of the debt and they have refused to remove the two erroneous items they are reporting on my credit. It is my understanding from recent research of my consumer and civil rights to have ONLY PHYSICALLY PROVEN TO BE METRO 2 COMPLIANT information reported. I am enacting my right to declare a compliance challenge versus these allegations yet demonstrated to be fully TRUE, CORRECT, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY, or else wise METRO 2 compliant. Federal laws dictate that Commonwealth Financial is unauthorized to retain or report any chicanery or injurious subterfuge such as allegations that are deficient of PHYSICAL PROOF. My demand is immediate annulment by full and permanent deletion of the two erroneous accounts from all three credit reports.
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/2018 I mistakenly made a purchase at XXXX using PayPal 's payment system. Paypal used my debit card on file. Once the mistake was discovered, XXXX immediately refunded my debit card through Paypal within two hours of the purchase cancellation. The refund is sitting in Paypal 's account but they refuse to send the money back to my debit card until 30 days has expired. This arbitrary timeframe of 30 days before they will apply the funds back to my bank account is excessive. It feels as though they are holding the money/refund to gather interest and a profit before putting it back in my account. They are causing an overdraft situation because of their excessive timeframe to return funds back to the debit card and bank account associated with the debit card.
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I have loan with Sallie Mae and I got behind they dont want to try and help reduce my payments they call constantly and have been contacting people that I am in someone associated with leaving them a bunch of messages as well ... I try to pay with them and they pretty much set me up for failure and I am soo sick of dealing with them ... they call one of my husbands cousin whom we are not close with at all. Its getting ridiculous.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XX/XX/XXXX I asked them to update my account payment status on my credit they refused.

XX/XX/XXXX I entered I knew settlement agreement and I am current on my payments.

Also my current balance is XXXX not what they have posted online they will not update
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (MO)

My complaint is with a company named American First Finance. A few years ago, I had car repairs done XXXX. I financed the repairs through American First Finance. My vehicle was never fixed, I made a couple of payments to this finance company while I tried to work out the issues of my vehicle. After having to continuously take my vehicle to this shop for numerous issues I decided to take it to another repair shop. I was informed by a different shop that I needed the same repairs that I had been told I had repaired at XXXX. Needless to say XXXX, didn't care that I had receipts from another shop showing they DID NOT MAKE ANY REPAIRS TO MY VEHICLE. None the less I reached out to American First years ago and no one ever investigated my claim. All they did was continue to send me bills. They closed the account in XX/XX/2015 and reported to the credit bureau that I made 2 payments and now the account is closed. Just recently, they keep reporting to the credit bureau that I have missed payments or late payments. They also have changed the amount I owe. I have not received any letters from this creditor stating the amount I owe or why the amount I owe went from XXXX listed XX/XX/2015 on my credit report and then from every month and year after that {$1800.00} so now its saying I owe {$2600.00} ( again ) I have not received any info from this company in regards to what I owe in over 3 years. And when you call them no one will send you anything in writing.
Consumer complaint received 2018-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I've got a student loan for my son in XXXX and I've being paying for it sins then. The loan was sold a couple times. My current Servicer is AES sins XXXX. I've asked them in the past to send me amortization letter to better understand what exactly I'm paying for. I thought Truth in Lending Act requires lenders to provide you with loan cost information, by they told me they don't do this. So they kept me in the dark. So convenient! 
My son has passed, but I still make accurate payments. Over sudden I've got email from them stating I have to pay almost double amount monthly. So I called. The Lady told me THEY JUST FOUND OUT I was paying interest only for all this time and now it's time to start repaying the principal. She said it was not only me, there are thousands like me in the same situation. What a surprise! For all this years I didn't know I'm making just an interest payment. To know that thousands of us are in the same situation doesn't help. 
They also lowered my interest rate down to 4 % a few years ago, but on statements it's still shows 4.25 %. The same Lady told me don't worry, we charge 4 %. How do I know? I don't trust them. 
I fill now like they rip me off.
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (IL)

On XX/XX/2018. I contacted Halsted Financial Services, LLC at XXXX regarding a collection letter sent on behalf of XXXX XXXX XXXX dated XX/XX/2018. I spoke to XXXX XXXX, and asked him did he receive my dispute and request for validation sent by fax. He stated that he received it on XX/XX/2018. Then he informed me that once they receive a dispute they send it back to XXXX XXXX XXXX and close out the account as under dispute. He said that he sent the letter to XXXX XXXX XXXX on XX/XX/2018 asking them to follow up on the dispute.

XXXX XXXX XXXX whom Halsted Financial Services, LLC had as a client, without validating the account placed it as a collection item on XX/XX/2018 only 7 days later while in dispute. Therefore, violating my consumer rights to dispute the validity of a debt within 30 days in writing and obtain documents relating to the dispute.

In addition, having a Fraud Alert on my account on all 3 Credit Bureaus, I have the right to obtain documents for validity of this debt from a debt collector. It was not given to me.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

I bought items on XXXX and paid {$13.00} via XXXX. I charged this to my XXXX Visa credit card. When I received my Visa bill, there was a fee I paid XXXX of 1 % for Foreign Transfer Fee. I called XXXX and asked what is was for. They said that it was Foreign Transaction fee. I asked them who got the {$0.00} fee and they admitted that they did. So they got the money. They said the charges came through XXXX XXXX. 

The Vendor I bought it from shows on XXXX to be in Kentucky. The first stop for the package was ( XXXX ) " XX/XX/2018 Origin Scan XXXX XXXX , OH '' and I got the package on XX/XX/XXXX in XXXX ( Fl ). As far as I can see the item was in the US ; the company was in the US, I am in the US, XXXX is in the US, and XXXX is in the US. I think this is a bogus charge and clearly I never authorized it nor was I ever informed of it. 

XXXX Credit Card Issued by XXXX XXXX XXXX XXXX Cardmember Services XXXX XXXX XXXX XXXX XXXX Mo XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard (WA)

Nelson & Kennard filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.
Consumer complaint received 2018-09-26
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: TRANSWORLD SYSTEMS INC (TX)

609a1a of the fair credit reporting act XXXX or Transworld systems nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (IA)

I have received a letter from the Federal Trade Commission, informing me that the debt consolidator Ameritech is being sued for deceptive practices. I want to get out from this company which will harm my debt information.