davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of issue.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

ERC Collection Creditor Phone Number XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX, FL XXXX This company has re-aged a collection account. The date opened is being reported as XX/XX/XXXX however, this account was placed for collection with the Original Creditor - XXXX - in XX/XX/XXXX. This is a clear violation of FCRA laws.
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TENET HEALTHCARE CORPORATION (TX)

Ive offered to pay off a debt with Central Financial Control to no avail. Ive practically begged to pay and have it deleted. I explained that I was scheduled to close on house at the end of XXXX but they are adamant a out not paying for deleting it off my credit report. Wbether I pay a settled amount or full amount they 're refusing to have it deleted. Because of this my credit score dropped and I was denied financing. I spoke with customer service reps and someone in the dispute department, but no one would agree to have it deleted. They 're all saying they do n't and wo n't delete. I spoke with them on XX/XX/2016 4 different reps. Friday, XX/XX/2016 I was denied financing because I could n't get the account deleted. I 've actually had one rep to yell telling me no matter what, it wo n't be deleted.
Consumer complaint received 2017-10-26
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: CITIBANK, N.A. (IL)

I was looking at my XXXX annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XX/XX/XXXX, Citibank NA, BEST BUY put a hard inquiry on my credit report. But I did n't apply any credit card or load from Citibank NA, BEST BUY in XX/XX/XXXX.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

Hi, I am writing this regarding issue that I encountered with my Checking Chase Bank. My wife received a check from person who hired her for a job. As per her job she needs to credit the check and once the check is cleared she needs to buy stuff for XXXX XXXX and donate it to them. My wife deposited the check in XXXX/XXXX/2016 and the check got CLEARED per bank records as of XXXX/XXXX/2016 and the total money available included the money from Check. Once the check was cleared money has been drawn as part of the job work and stuff was sent to the account provided by the employer. Now the check that was cleared on XXXX/XXXX/2016 has been reverted on XXXX/XXXX/2016 by Chase Bank without giving me intimation as to what happened. I got an alert message with negative balance and when check with bank why was the money which was cleared reverted they said that there was an issue with the check that was deposited and money was sent back to source bank. As a result of this my account went in to negative and my own bills are about to get bounced. When I check with the back as to why the money was reverted after the check has been cleared they kept saying that they have the right to do without our consent up to 1 year. When I asked for the policy they asked me to read the disclosure when I ask to send the same in a mail they refuse to do so. When I called the customer care and spoke all the above the call has been transferred from customer care to supervisor then to manager and they all say that even after the check is cleared they can revert the money without letting us know per their banking policy. When asked them why was the check cleared when there is an issue with the check they did not give a proper answer and were talking about their internal check processing which as a customer I am not ware of. As a result of incorrectly clearing the check we lost {$3000.00} from our bank account for incorrectly clearing a check. We launched a official police complaint on the person who conned us but this all would not have happened if the money was not cleared incorrectly. Bank seems to be throwing blame on the customer for not knowing their internal check clearing process of their bank which resulted in this issue. The customer care has all the call recording for further inquiry.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

I logged onto my Bestbuy account to make a payment and noticed a deferred payment for XXXX dollars for Life Insurance. So I called CitiBank who is the creditor for my best buy credit card and they said that I have been paying .XXXX cents for every {$100.00} dollars on my account since 2007. I had no idea about this and then I asked them how much have they taken from me in this time frame and the customer service rep said XXXX Dollars. So I told them to cancel my protection plan, in which I did not sign up for anyways and that I want my full refund of whatever they took. No resolution has been made as of yet and it 's been a month later.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (VA)

Citibank made a public offer XX/XX/2016 follows : " Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit. '' Conditions were set as follows : " 1. Open a new checking acct between XX/XX/2016 - XX/XX/2016 ; 2. Make a qualifying {$15000.00} deposit within 30 days after opening the account ; and 3.Maintain a minimum balance of {$15000.00} for 30 consecutive calendar days after the initial {$15000.00} deposit. The cash bonus will be credited to your new checking account within 90 calendar days from the date you completed all offer requirements. '' I opened a new checking account on XX/XX/2016 with Citibank and made the initial {$15000.00} deposit by XX/XX/2016. The end of the required 30 days was completed XX/XX/2016. My account is still open as of today XX/XX/2016 with a balance of {$10000.00}. The required 90 days waiting period was completed XX/XX/2016 but the promised {$400.00} bonus has not been deposited in the account as of XX/XX/2016. 
Upon an inquiry made today, Citibank now informs me that I must wait an additional 60 days for the bonus to be paid and that if I close the account I will forfeit the {$400.00} bonus. 
By opening my account and fulfilling the requirements for the bonus I have earned the {$400.00} bonus as per the rules agreed between Citibank and I. 
Citibank should not be allowed to change the rules ( the additional 60 days ) after a contract was established between the 2 parties. 
I am asking for the immediate payment of the {$400.00} and for a penalty of an equal amount on Citibank for defrauding on a contract with a Consumer.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

The contents of my letter to the XXXX of Navient XXXX XXXX, President and CEO Office of the Customer Advocate XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX, Todays letter will reflect the extreme dissatisfaction and frustration which is the result of trying to deal with your system and get credible information from the customer service personnel whom answer the phones. Those of us at the other end of the phone and inquiry deserve much better. As a taxpayer I am beyond mad. 

Since the beginning of this year, I have spoken to more than XXXX separate customer service individuals, and have not received that same answers each time. I followed the instructions as they were given and the results now in XXXX have not moved the chess pieces XXXX square. The issue is attempting to consolidate XXXX loans, reduce payments and go on being responsible for our obligations. 

That has included a long set of forms to be filled out, as I was told could not do this online. These forms which include my personal tax information, my personal banking information as well as pages of personal answers to personal questions. 

These were mailed to XXXX, PA the first time in XXXX. No change in the statements. A call in XXXX to XXXX, when I was told, " oh you should have faxed them to us, that will be quicker ''. Filled them out again... faxed in early XXXX. No change. Phone call yesterday in which I was given another completely different set of instructions, have to go through student loans.gov... essentially start over. I stopped XXXX right there and asked where are the other documents with all that personal financial information. " No idea '', he said. 

Imagine my astonishment. That 's XXXX sets of information which anyone could apparently access and then I am screwed. 

So... XXXX XXXX... what would you do? Your organization is unable to provide simple answers. I expect and frankly demand action and real answers. 

Respectfully, XXXX XXXX
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

My student loans are more than what they are suppose to be, I have several different loans I do not recall signing for. XXXX was suppose to be XXXX fee and I see a number of loans from them.. XXXX was to be XXXX price and I see several from Iowa and XXXX that I did not sign for. My degree with XXXX is sometime over looked and not considered because of the campus closing, therefore they do not consider the online degree credible. I have no way of knowing what loans I am paying on because I have so many that I do not recall signing for.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I have XXXX mortgages ( my husband and I own XXXX houses ). No surprise, XXXX mortgages have been transferred to other companies. XXXX companies charge us an " online processing fee '' for paying on line. This makes no sense at all! They do n't have to pay someone to open a letter and process the payment, it 's less secure to mail the payment, and the payment is recorded online anyway. The companies are Specialized Loan Servicing, in XXXX, and XXXX, in XXXX.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax has my credit report blocked and continue to tell me they do not. I placed calls to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after multiple attempts to sign up for third party credit monitoring through XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Equifax during each call insisted my account was NOT blocked at all. Well, on Saturday XX/XX/XXXX I received an email from XXXX XXXX XXXX advising me that Equifax denied the request for monitoring which resulted in my having to cancel my account with XXXX XXXX XXXX. Then on Monday, XX/XX/XXXX I received notification from XXXX, via my Equifax credit report that there is a block on it. I am furious that multiple phone calls resulted in me being lied to. That is insulting and a waste of time! It 's bad enough you have caused MILLIONS of consumers grief with yet again ANOTHER system hack, but you lie to me when I asked a simple question. I consistently have to go back and forth with you on inaccurate data on my credit report, now you jokers have the audacity to block my file WITHOUT my permission. If this block is n't removed I will proceed with legal action.
Consumer complaint received 2017-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This is the second tiime this has happened. First time the other party paid me for the issue. But PayPal was no help even with proof the transaction was authorized. This event took place today XXXX XXXX. They removed {$140.00} XXXX all money except their fee ofcourse ). I notified the client and he 's prepared to pay me back in a week or so, but that does not help me now. I 've called and submitted an email to PayPal upset because they do no investigation on their part to resolve this. And it leaves me in trouhble everytime
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (FL)

My Auto Lease payment was due on XX/XX/2017. I made my payment early on XX/XX/2017 Credit Card Payments that is used with GM Financial online payment option was XXXX via GM Financial online system when I log into my account. The Payment Option Link for XXXX. When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial and a drop down came up to select GM Financial Leasing ( I have a lease ). I continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours fee of {$44.00} ( Total Transaction including my lease payment and XXXX XXXX fee {$610.00} ). After I get my payment conformation via XXXX XXXX Tracking number ( MTCN ) : XXXX. I email GM Financial right away asking them if the received my payment. I then receive an email from GM Financial 2 days later telling me that the payment has not posted. At this point I am very concerned because I always pay my balance on time and before the due date and somehow this payment is taking forever to apply to my account. I check my Credit card with my Financial Institution and the charge had already posted to my Credit Card I used on the same day. I contacted GM Financial several times to ask what is going on with my payment, my bank acct is drafted and payment is confirmed with XXXX XXXX, what is taking so long to post my payment to my account. I spoke to several managers and one Manager XXXX looked into research with the payment processing department and found the payment was made. I was told that the payment would be posted to my account at XXXX. Low and behold my payment was not posted the next day. I called GM Financial several times on the next day and was told they found my payment but somehow it was routed to another department and they are forwarding my payment to my account, and this time it will post in 24 hours, at this point its 5-6 days later. Today XX/XX/2017 I check my online account and I still see payment has still not posted. My Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Payoff process — 
Company: Bread Financial Holdings, Inc. (NJ)

My wife XXXX purchased something on her XXXX credit card toward the end of last year. We received the invoice. We made prompt payment but unfortunately we had an old XXXX account number on our Bill Pay. We requested a dispute process. Dispute forms were sent. We then went to gather the details from the bank and realized the error. The money that was sent to that wrong account number had actually been refunded shortly after payment. We called the credit card company back and explained what had happened over the phone. We agreed with the representative that we would pay the original amount and be done and we did that right on the phone and that we expected was the end of it. 

We have since received multiple bills from the company assessing new late fees and interest charges. We called to inquire and were told that we did n't return the complaint forms and they did not have record of that conversation with their operator. Therefore we would continue to accrue late payments and interest fees They confirmed they had received the payment though. When we asked them to check the records of the conversation assoicated with payment they refused. 

This situation is completely ridiculous. these are very small amounts of money and it is clear this is standard operating procedure for these guys. Any reasonable / reputable company what have consdiered this payment in full as was agreed on the phone. 

I have attached the following : ( 1 ) Bank statement showing good faith attempts to pay XXXX on XX/XX/2016. this included two payments attempts. One for the original balance in the amount of {$59.00} and another in the amount of XXXX which I believe was the balance with fees ( 2 ) the latest XXXX card statement showing fees added since we had agreed verbally to clear this issue by paying the original {$59.00} ( 3 ) the message I received from XXXX when inquiring what happened with the payments. I was trying to find out details of where the payments had gone and why XXXX had not received them. this is the point where we realized the mistake, called the XXXX card people back and THOUGHT we had taken care of it the way two rational adults would, but apparently not.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/XXXX, I made a purchase with XXXX for {$1200.00}. this purchase included a 3-night hotel stay and 4 airline tickets for a direct flight from XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX. I paid about {$150.00} more per ticket so that I would have a 50 minute direct flight due to my sisters medical condition. No one ever notified me about the cancelled direct flight. When I arrived to the airport they told me that my flight never existed. ( So I basically paid for an imaginary flight ) Then they told me that they notified me in XXXX. And rudely said sorry and offered me to send me out of state and then back to XXXX XXXX. Mind you I paid for a direct flight that was going to take 50 minutes. I spend hours waiting, and completely ruined my vacation trip and this flight that was supposed to take 50 minutes took 7 hours. I contacted XXXX and XXXX both gave me the run around and lied about the times they supposedly notified me of the cancelation. and rudely told me they could n't help me. I felt completely hopeless and contacted my credit card company since I felt confident they could help me. I have provided them with everything and all proof I have. They have closed my investigation and told me there is nothing they can do and to contact XXXX who never wanted to help me in the first place. I have provided them with all the proof, flight that was booked, new flight tickets that they gave me because they did provide me with a flight, but they never returned the extra money I paid for a direct flight. My argument here is that I paid extra for a direct flight and I did not get a direct flight. I paid extra for a 50 minute flight due to medical conditions and this was not honored. I want the difference I paid for the direct flight. At this point I appreciate any monetary help because {$1200.00} is a lot of money and I incurred medication expense costs because of the anxiety this brought to my sister for flying for 3 hours.
Consumer complaint received 2017-09-18
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: CITIBANK, N.A. (CO)

I paid Citi Bank XXXX XXXX AAdvantage credit card approximately {$37000.00} so I could use the card to pay some medical bills and their website said the funds/credit line was there to use. Every time I tried to use the card the charge was denied. I have spent four one hour phone calls with them and they still have not resolved the issue. They are holding my money hostage.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a monthly recurring payment with a vendor. In XX/XX/XXXX I notified them in writing that I was revoking their right to put charges that credit card, or any others they may have on file for me. 

I also called my credit card company, Bank of America, and told them by phone that this particular vendor was no longer authorized to charge my card. The customer service rep for Bank of America told me they could not block charges for any reason. 

In XX/XX/XXXX the vendor put through XXXX charges, XXXX for {$550.00} and XXXX for {$2700.00}. I disputed both to Bank of America, but the bank ruled in favor of the vendor, even though I showed that I had notified said vendor, in writing in accordance with the law. I have the email trail showing that they received and acknowledged receipt of my notification.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I recently was alerted that the XXXX governing the community ( XXXX ) my rental property is located in reported an open installment loan to Equifax for me. This open " Secured Loan '' shows a fixed rate and that it was opened on XXXX 2016. I have not authorized the XXXX or any authorized party to open a loan under my name nor have I been made aware that any XXXX related amounts would be reported to any credit bureau. I would like this information removed from my credit report.
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I was going to school, with XXXX XXXX, XXXX on line and the cost was XXXX. I received XXXX} a year for XXXX year from XXXX. A week before I was to graduate the school told me they had closed. I got a bill from XXXX XXXX company charging me with XXXX  dollars. A year later they sold this bill to Navient. i do not owe this much money and it is a detriment to my credit. Please can you help me correct this error?