davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

My issue is with XXXX ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and Equifax ( no security and insider trading ) for credit freezes.
My information was included in the Equifax hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I paid off or settled with XXXX XXXX XXXX back on XX/XX/XXXX. I made a total amount of payments for {$860.00}. XX/XX/XXXX was when they recieved my last payment and according to the letter they sent me dated XX/XX/XXXX, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, TransUnion according to them XXXX states I still owe them {$590.00} was of XX/XX/XXXX, which is inaccurate. I have already disputed this twice with TransUnion and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. TransUnion and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (MA)

I paid off or settled with XXXX XXXX XXXX back on XX/XX/2017. I  made a total amount of payments for {$860.00}. XX/XX/2017 was when they recieved my last payment and according to the letter they sent me dated XX/XX/2017, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, XXXX according to them XXXX states I still owe them {$590.00} was of XX/XX/2017, which is inaccurate. I have already disputed this twice with XXXX  and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. XXXX  and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.
Consumer complaint received 2017-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Account shows transactions that we 're performed via debit as 2 days in future when in fact were performed 4 days prior and show as pending. All cash was removed from account and now accredited with {$200.00} out of thin air. Transaction dates manipulated not matching receipts. Transactions moved around of order. Possibly trying to manipulate account to try and gain overdraft fees.
Consumer complaint received 2017-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: P.S.C., Inc (WA)

I am a 100 % XXXX XXXXt. Since I live more than XXXX miles from my primary care doctor, I am also part of the XXXX XXXX program. In XXXX. XXXX, I went to the XXXX clinic about XXXX miles from my home. Since I was having a serious medical condition, the XXXX sent me by ambulance to a non XXXX hospital. I was admitted and my condition improved and I was released 6 days later. My XXXX rate ( XXXX XXXX ) stabilized on the afternoon of the XXXX day. The XXXX XXXX XXXX was deferred to a later date. 
The hospital is billing me for co-pays and amounts they say were not paid by the XXXX. I have been informed that the hospitals have to accept what the XXXX pays and the XXXX can not be billed for the deductibles and copays. 
The hospital has turned the medical bills over to a collection agency. I have tried to explain to them and the hospital that I am a XXXX XXXX and I am not responsible for the charges.. 
Also that I can not be sued or garnished because my only income is XXXX XXXXy XXXX and XXXX XXXX and it is exempt. I have also explained this to XXXX, XXXX and XXXX. All of them are and will be reporting the debt on my reports. 
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Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

XXXX was told to remove info. they passed the buck onto experian. experian refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
Consumer complaint received 2017-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

This is a complaint against Freedom Mortgage for unfair, inhuman, predatory business practices. 
I have a mortgage account with Freedom Mortgage, loan number XXXX. I have always been paying my mortgage well in advance. I have already paid my mortgage for XXXX and on XXXX XXXX I have decided to pay another {$8000.00} for XXXX, XXXX and partial XXXX XXXX see attached ). The {$8000.00} was transferred from my XXXX XXXX account on Monday, XXXX XXXX to Freedom Mortgage. 2 days later, on Wednesday XXXX XXXX, Freedom Mortgage tried to withdraw another {$8000.00} from my checking account making my account to be overdrawn. I have called Freedom Mortgage customer service and asked them stop trying to withdraw another {$8000.00} from my XXXX checking account as I have already paid the {$8000.00} I wanted to pay for XXXX, XXXX and partial XXXX. The Freedom Mortgage customer service representative assured me that I shouldnt worry, they are not going to try to withdraw the {$8000.00} again from my account, which I believed and left the matter. But on Friday, XXXX XXXX, when my salary came into my checking account, Freedom Mortgage did another withdrawal of {$8000.00} from my checking account, taking all my salary and living me with {$0.00} on my checking account. I have immediately called Freedom Mortgage, spoke with XXXX XXXX manager, who told me that the only way they can refund me {$8000.00} if I send an official proof of payment from XXXX printed on a letter headed paper. XXXX branches open at XXXX, so that morning ( XXXX XXXX ) I have immediately went to a XXXX branch in XXXX XXXX, spoke with Assistant Branch Manager XXXX XXXX, and asked for help. He told me that they usually dont issue such proof of payments, but he was kind enough to call Freedom Mortgage to sort out the problem. Freedom Mortgage kept him on the line for 2 hours, from XXXX XXXX till XXXX XXXX, after which he prepared me the proof of payment on letter headed paper Freedom Mortgage requested ( see attached ). From the branch I headed to my office to scan and email and fax this proof of payment to Freedom Mortgage, XXXX XXXX. Later that day, XXXX XXXX sent me an email claiming that Freedom Mortgage has refunded the {$8000.00} but until today, Saturday, XXXX XXXX, the money is not yet on my account. 
Freedom Mortgage has caused serious hardship to me and my family by taking all our money from our checking account and leaving us with nothing. We did not owe Freedom Mortgage, has always paid our mortgage in advance, so this was an act of unfair, inhuman and predatory business practice on behalf of Freedom Mortgage.  Kindly investigate this matter and take appropriate actions.
Consumer complaint received 2017-09-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I submitted a complete request for Mortgage Assistance application with Chase for my Loan # XXXX. I provided all the requested income & hardship verification documentation in order to be considered for available home retention options to avoid imminent default on my interest only HELOC that I have only been able to make the minimum payments on since the loss of my business and my divorce by exhausting my retirement savings. On XX/XX/XXXX I was notified by my lender that my request was denied because my payments are being made & I am not currently in default. The account representative stated that this was the investors decision however if I did end up defaulting on the loan that I could submit a new request for assistance at that time or file an appeal. This is unethical being that my loan is an old Washington Mutual Interest only loan with a balloon payment which means I have an option to pay the minimum payments however if I do so when the very last payment on my 1st mortgage is completed in XX/XX/XXXX I would owe the balance of the HELOC XXXX to be paid within 30 days or my home will be subject to foreclosure a stipulation of the agreement I did not fully understand at the time. I will be almost XXXX XXXX XXXX at that time unable to meet that requirement and ultimately will loose my home. Chase has put me in a very uncomfortable position with this decision as I have never been offered any type of assistance in the pass. Please advise if you can be so kind as to assist me with this.
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IA)

I purchased a money order to pay for my employment authorization form. I was not asked for identification at the time. The money order was returned to me by  Homeland Security since the amount was not needed. I returned to cash the mone y order and I was told to provide a valid identification or else it can not be refunded to me. I just applied for   XXXX   XXXX   and I am a student at  XXXX   XXXX   XXXX   XXXX   XXXX . I came to t he USA o n  XXXX   XXXX . I provided my passport along with my receipt for adjustment of status and my student Identification card but they would not accept it. They still have my money. Kindly do what you can to help me get my money back. Attached are documents relevant to this complaint. The money order, my student ID, and my receipt for adjustment of status as well as my passport. Please let me know if you need anything further.
Consumer complaint received 2017-09-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Sub : Citi Bank is cheating the customers not giving the bonus. 
Ref : XXXX XXXX Citi Priority Account endingXXXX XXXX XXXX Citi Priority Account endingXXXX I opened an account with CITI Bank on XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. At that time there was a Citi bank bonus offer of {$500.00} to the customers if any customer deposits an amount of {$50000.00} or more for three months. According to the offer I deposited {$50000.00} on XXXX XXXX, XXXX and I opened the online banking at the time of opening from the bank itself. XXXX XXXX XXXX was the representative who helped to open the account. After opening the account, she had given me a referral offer with a referral ID ( XXXX ) and explained me that if I refer any new customer and the new customer deposits {$50000.00}, I would get a referral bonus of {$300.00} and the new customer would get {$500.00} which is the bank bonus offer existing at that time. According to my referral my XXXX XXXX XXXX went to the same representative XXXX, opened an account and deposited {$50000.00} on XXXX XXXX, XXXX. She showed the copy of the bank bonus offer of {$500.00} and also showed my referral ID to XXXX. XXXX also explained her the same that she would get {$500.00} as the bank bonus and I would get {$300.00} as the referral bonus. 
After the three months, I received my {$500.00} as the bank bonus to my account and in XXXX XXXX, I received only {$100.00} as the referral bonus. When I enquired about it bank says different answers and now says that the maximum bonus is only {$100.00} for referral. 
Today, when I saw the branch manager XXXX XXXX XXXX, he told me that he does not know what happened six months ago and he was not responsible for what the representative had talked me and given me and he can not resolve my problem. 
At the same time my XXXX XXXX XXXX received only {$300.00} instead of {$500.00} as bonus which is also cheating. She opened the account and deposited {$50000.00} only because of the banks {$500.00} bonus offer. 
I request you to kindly investigate this cheating and take necessary action in order to get my bonus from the bank. 
Thanks, XXXX XXXX
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

American Express had a promotion for XXXX credit card with XXXX points with first {$3000.00} spending within 3 months, then additional XXXX points with {$2000.00} spending within next 3 months. I have completed spending {$3000.00} around XX/XX/XXXX, and I have never received the points. I tried to communicate with American Express multiple times, but all they say is it usually takes 6-8 weeks or they need more time to investigation. This is after 14 weeks after I have given them time to investigation. I have not heard back nor received the points.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (AZ)

On XXXX/XXXX/XXXX, I called XXXX XXXX XXXX XXXX title loans XXXX, and was transferred around with no resolve. They stated that they were not the main lien holders, but were the secondary. I contact the other supposed lien holder and they stated that they were not the lien holders, but XXXX XXXX were the original lien holders. I then called back XXXX XXXX and they did verify that they were the lien holder and was transferred to the bankruptcy dept with no resolve, and could not leave a voice message. I in total was transferred 12 to 13 times and I still do not know who has my title for my car. 

I had declared bankruptcy in XXXX, and the balance in the amount of {$4000.00} should not be owed and should have been included in the discharge. I am disputing that this company still has the right to hold my title due to this reason, and I have not been able to get in contact with anyone with this company in regards to this. 

I would very much appreciate some assistance with this, as this title loan was originally initiated 8 years ago, and is considered to be a very old account according to the company. Let me know if you need anything else in regards to this. 

Thank you and have a great day. 

XXXX, XXXX
Consumer complaint received 2017-09-16
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. (CA)

As more information comes out about the Equifax breach, I am just so ... .angry because I can not help myself in this. We are expected to have credit in this country. We do not ask to be reported to Equifax - it is a term of the credit. And they have so little concern about our personal information. I would like them to be punished as much as is possible. They have put so many at risk - and they can not protect us now. Every citizen who has had their information leaked has to at the minimum take time and energy to protect themselves further. At the worst? Their credit is ruined for YEARS keeping them from prospering. It is very clear in this country no one cares about the little guy. Equifax sure does n't. I am hopeful you can use your office to protect those who have been put at risk with this.
Consumer complaint received 2016-08-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

bank of america fraudulent practices and lies are back again.after they change the original contract, they have change it to their own benefits. in XXXX the sent mea new payment much much higher than I can afford they gave me now my home insurance its cheaper it went from {$1100.00} to {$97000.00} my tax for this year and my tax for this year I will be {$1000.00} as you see they still keep making my mortgage payment higher, even my principal is higher. they gave me a loan modification knowing about my XXXX but they are taken advantage of my situation,
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MO)

Four months ago, I called Wells Fargo and had them block XXXX XXXX from taking autopayments from my checking account. The reason I did this was because, even though I had canceled my XXXX XXXX XXXX XXXX, the company was continuing to withdraw funds from my Wells Fargo account. During the phone call, a Wells Fargo representative assured me that they were blocking XXXX XXXX, and that the company would no longer be allowed to access funds from my account. I thought this would solve the problem. Yet Wells Fargo has since allowed XXXX to take three {$170.00} withdrawals from my bank account, on XXXX XXXX, XXXX XXXX, and XXXX XXXX, with no end in sight. I have repeatedly contacted both companies by phone and in writing throughout this period of time, yet these unauthorized transactions continue.
Consumer complaint received 2017-09-16
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: Experian Information Solutions Inc. (VA)

XXXX, working with and through Experian, is the parent company for XXXX whom I am making my complaint against. XXXX offers a 7-day trial for {$1.00} in which you can view all three credit scores from XXXX, Experian and XXXX. I signed up for trial on XX/XX/XXXX and was required to input my credit card information so if I wanted to continue with the trial my card would be automatically charged {$29.00}. If I did not want to continue after the trial, I was to cancel before the trial ended, which in my case would have been XX/XX/XXXX. I do not want to continue my trial, so I called the number listed on XXXX website at XXXX. XXXX does not offer any other way to cancel the trial. It has to be through this number. I called on XX/XX/XXXX, XX/XX/XXXX all day off and on, only to be put on hold for over 2-3 hours each time from their listed hours of XX/XX/XXXX. toXX/XX/XXXX listening to elevator music, only for the music to stop after holding for two hours and forty minutes and no one answers the phone, which forced me to continue this cycle. Today is Saturday, XX/XX/XXXX, creditchecktotal.com hours are XXXX XXXX until XXXX XXXX I called at exactly XXXX XXXX for the cycle to continue. Not only is this horrible customer service, but it leads me to believe, by me not being able to cancel the trial, they will intentionally charge my card.
Consumer complaint received 2017-09-16
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. (KY)

This is in addition to the complaint I submittedXX/XX/XXXX Experian recently completed the dispute investigation I submittedXX/XX/XXXX. Experian did not notify me the investigation was complete and I had to search on their website for the status. Experian is still refusing to remove fraudulent information from my credit report. I 've already told Experian that XXXX forged my signature on a forbearance request, the amount XXXX claims I owe is nowhere near the amount on the original contract ( {$14000.00} ), and XXXX charged off and closed the account in XX/XX/XXXX. ( the same time these tradelines should have fallen off my report ). XXXX reopened a closed account well after the statute of limitations expired by somehow applying forbearances and deferments without my knowledge or consent. I provided ALL supporting documentation to Experian which was sufficient evidence to remove ALL tradelines relating to XXXX. I provided the same information to XXXX and XXXX and they both removed the tradelines. Now, Experian is denying my right to dispute fraudulent and inaccurate information on my report! If ALL tradelines relating to XXXX are not removed from my credit report by XX/XX/XXXX, I will file suit against Experian for preventing and denying my right as a consumer to dispute fraudulent and inaccurate information, and for refusing to remove fraudulent and inaccurate information when the issue was first brought to their attention several years ago.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This complaint is against TransUnion the credit bureau. Their service to put a credit freeze in place is deceptive and unfair in that in the terms and conditions of the service there is no schedule of fees disclosed.. In signing up to schedule a credit freeze, it appears as if this is a free service until the end of the 'checkout ' process and there they list an add-on fee of {$10.00} that applies when you want to lift the credit freeze. This is not clearly disclosed in the initiating the service and is a practice that is not supported by the other credit bureaus. 

Now that there 's been the XXXX security compromise, consumers are scared about what will happen to their credit and this is an abusive fee that is penalizing us for taking proactive and preventative actions. Please work to remove this fee entirely or to waive it for those affected by the XXXX breach.