davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (CA)

On XX/XX/XXXX I mailed a letter to Great Lakes stating that I can not afford payments of {$130.00} due to my current financial hardship. I told them I could only afford to pay at least {$75.00}. They responded back with a letter stating that they are unable to make any changes to my account and that I have to stay with my payments of {$130.00}. I then filed a compliant with them and I was told the same information that I have to keep my monthly payments at {$130.00}. On XX/XX/XXXX I mailed them a letter stating that my financial situation has not improved and that I need to stop my payments until I can afford them, which will be in the next year or too. I am trying my best to communicate with Great Lakes but they are no help to my financial situation at all.
Consumer complaint received 2018-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (FL)

Checking my credit report. I noticed that XXXX XXXX was showing on my report in the amount {$440.00}. 
Contacted AWA to request legal document showing my proper signature saying that I was the owner of the debt. 
AWA mailed me some printout show my name and address on it, I informed AWA that a printout was not consider any legal document and please mail me all the legal documents bearing my signature on it, saying that I owed {$440.00}. to XXXX XXXX. 
I have been contacting AWA numerous times to correct their error along with XXXX, XXXX and XXXX to resolve this matter. 
AWA Collections is still reporting this negative account to all credit agencies, this has cause a financial hardship upon me ( Higher payments ). 
XXXX has not given me any legal documents showing my signature upon it, XXXX stopped all communication with me, after I requested legal documents.
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I applied for an auto loan today. The car dealer informed me that I have a derogatory collection on my XXXX credit report. He informed me the debt was from the City of XXXX and the collection agency that handles the debt is Rash Curtis & Associates. I was never aware of this debt nor did I ever receive any notification from Rash Curtis & Associates. I want them to validate this debt.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2018 at XXXX i called Experian to have a personal statement removed from my credit report, i was told that i could not get this removed by calling in, so i asked to speak with a supervisor the employee state " he will tell you the samething " I was left on hold for approximately 20 mins no supervisor ever came on and the employee never returned.

I called back for the second time and was told by a female employee that i don't have a personal statement it's callex a fraud alert, i told her it says personal statement on my report.

She also told me it can't be removed over the phone even though this was an option.

I told her i wanted to speak to a supervisor and she rudely tried to cut me off by saying " he is going to tell you the same thing sir " I told her i would like to speak with him, i was left on hold once again for 20+ mins, no one ever returned to the call.

My attempted to get this resolved started at XXXX this morning of XX/XX/2018.
Consumer complaint received 2018-06-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (FL)

Honda Financial Services refuses to furnish me with the proof that the wear and tear fees were billed and I had 30 days from XX/XX/2011 to make a payment in the amount of XXXX Honda Financial Services states that these are end of lease term fees. These were fees created after agreed upon 36 month lease was complete and car surrendered. I'm the consumer requesting proof of new agreement terms that will reflect when the payment of XXXX is deemed due and deemed late. 3 request have been made and I only received payment was payed 60 days late on my credit report.
Consumer complaint received 2018-04-28
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)

I applied for a personal American Express green card that I got approved for. This credit card came with a bonus of XXXX membership rewards points after spending {$1000.00} within three months. I met the spending requirement within the appropriate time frame on this credit card. I never got the rewards bonus that I am entitled to. As you can see in the screenshot on XX/XX/XXXX a representative from American Express stated that I should have received the points by now. I called back again later and I was told to wait till 8-10 weeks had past from when I first met the bonus terms to get the bonus. I then waited till today ( XX/XX/XXXX ) and I still did not get the bonus. I called American Express today ( XX/XX/XXXX ) and spoke to the supervisor of American Express. She informed me that I was unable to receive the bonus because in the past I applied for an American Express personal green card and got approved and received a bonus and I am only able to obtain one bonus per lifetime on that card. What she stated was false. In the past I applied for an American Express BUSINESS green card ( not personal ) and was approved and obtained the bonus. The personal and business American Express green cards are two different credit cards. American Express is stating a false narrative and not giving me the bonus that I am owed even though the other card I applied and got a bonus for was a completely different credit card.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Like many others, I pre-paid a portion of my XX/XX/XXXX municipal property taxes ( in my case totally {$11000.00} ) to cover the first half of XX/XX/XXXX, fully expecting that the bank handling my escrow and mortgage payments, Fifth Third Bank, would refund me the money in a timely manner in XX/XX/XXXX by reducing my total monthly mortgage payments. THIS STILL HAS NOT HAPPENED. I have been on the phone with them multiple times ( when I first contacted them asking them what I needed to send and by when before XX/XX/XXXX ; in a follow-up on XX/XX/XXXX where I was told things were in process ; on XX/XX/XXXX when I was AGAIN told that I'd receive an adjustment by " the end of the week '' ; after they inexplicably stated they needed further proof that I pre-paid my municipality on XX/XX/XXXX ( at which point I sent it again ) ; on XX/XX/XXXX when they told me the escrow re-evaluation was " in process '' and would take 6 business days, after which I would simply NOT pay the property tax portion of my monthly mortgage payments on XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to make up the extra money they had ( which DIDN'T happen ) ; and finally today - XX/XX/XXXX, when I was told that the escrow was only NOW being looked at, and because so much time had gone by they would need to wait until the next re-evaluation period in XXXX to even TELL me how much of MY MONEY I would get back. I am largely self-employed, and pre-paying {$11000.00} IN ADVANCE was already painful enough. But being told in repeated conversations that the MONTHLY payment WOULD be adjusted in a timely manner appropriately downwards, only to find that I STILL have to pay them the total {$4500.00} mortgage payment anyway thus far on XX/XX/XXXX ( as expected ), but also on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ( and beyond ) is killing me here. How long does it take for them to do a simple calculation : making note that I pre-paid and then re-adjusting to give me my money back? It's bad enough that I had to do this in the first place. But this now feels very much like they are deliberately delaying and holding onto my ( and I'm sure many other people 's ) money, perhaps to enjoy the interest gained ( similar to XXXX XXXX - who incidentally ALSO were recently forced to pay me back over {$1000.00} including interest of a rate lock extension fee they weren't supposed to have charged when they originally handled our mortgage ). Please tell me you can do something!
Consumer complaint received 2018-04-27
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: JPMORGAN CHASE & CO. (CA)

I pay a card fee for my chase sapphire preferred card because it provides purchase protection up to {$500.00}. When selecting credit cards I had many options, it was this advertised purchase protection that made the chase card stand out to me and was one of the main reasons I selected it. 

The purchase protection is run by a 3rd party XXXX XXXX XXXX ( XXXX ). Their negligence in completing my claim has resulted in me making over 12 calls over 7 months ( their websites claims to complete claims in 5 days ). The incompetence of the staff at XXXX results in them not being able to providing a service that I paid for, this is theft. The amount of calls I have had to make and invest my personal time results in reduced productivity at work, not to mention the personal stress this is causing. 

On XX/XX/XXXX I made a claim. XXXX promotes that it takes 5 days to file a claim and received a confirmation email XXXX attached ). 

On XX/XX/XXXX I moved and updated my address with Chase. 

On XX/XX/XXXX I had not heard anything so I called XXXX to see if they needed more information or anything? I called once in the morning and spoke with a representative named XXXX and once in the afternoon with a representative named XXXX. The calim was ruled in my favor for the full value of {$500.00}. They said they had everything they needed and the reasons that it took longer than 5 days was an internal hang up. They assured me the check was on its way. 

On XX/XX/XXXX. I still hadn't seen the check so I called again. They had sent it to the old address. Note that I updated my address with Chase. Its not my responsibility to call each and everyone of their 3rd party contractors to update my personal information. Therefore, XXXX 's excuse that they had the wrong address on file is not valid. Specifically since the claim should have been handled in the time between I filed it and when I moved. So I gave them the updated address and they assured me it was on its way. 

On XX/XX/XXXX I still had not seen the check so I called. 

On XX/XX/XXXX I called and still had not seen the check. 

On XX/XX/XXXX I called twice because I still had not seen the check On XX/XX/XXXX I called again. They assured me it would be handled that day and I would revive an email. I have not heard anything. 

I am fed up. I believe I have done my part, provided the information they requested. They need to be held accountable to ( 1 ) pay me ( 2 ) refund my card fees since they were not able to deliver services we agreed on ( 3 ) be investigated for theft. 

Thank you, XXXX
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

From the XXXX - We recently reported on the disturbing trend of large U.S. banks  most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.
Consumer complaint received 2018-04-28
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Capital Accounts, LLC (PA)

I was contacted by Capitol Accounts stating that they owned the rights to a medical debt not covered by my insurance and that had caused a derogatory mark on my credit report. 
Having an agreement with the representative to pay the amount in full and in return have the collection removed from my report, I paid the balance. Not only was the derogatory remark not removed as agreed, it still reflects the original balance that was already paid. I contacted capitol accounts via phone to rectify the issue but kept getting place on hold indefinitely, which I believe is intentional. I also tried communicating via mail but to no avail. I do have proof of the payment via my bank statement if they want to challenge this dispute..
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I cancelled a phone line which was ported to a new provider. Former telephone company refused to close account for months. I receive 1st collection letter which I timely disputed. Collection continues to contact me with following written communication which states : " All I can do is explain the alternative to you. From there, you have to determine whether the potential cost in time or otherwise, is worhwhile. Let me reiterate-the choice is yours ''.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I asked Transunion why the dropped my XXXX score by XXXX points, of course they just could n't answer the question, so they said the account listed below is the reason listing " new information '' this is totally false and inaccurate, I have made all payments on time more over I have paid XXXX to creditors sins this report, I have researched this extensively and my XXXX score should be going up by leaps and bounds as I have played XXXX to creditors and have not missed XXXX payment. Listed below is the fair crdit act which they are in violation of. 

XXXX XXXX # XXXX
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NM)

Today XX/XX/XXXX I received a alert that my credit report received a Collections account, at this point I viewed my report because from my understanding I did not owe anything. The company that was reporting was Southwest Credit Systems, LP, for a water bill I had in XXXX. I then called XXXX XXXX because when I left XXXX in XX/XX/XXXX I was under the impression that my Bill was paid before we left state. According to XXXX XXXX there was still a generating Bill that had not been sent out. I was then asked why I was not notified by phone of this debt with me out of state I was would of paid what I owed from generating Bill, lady from XXXX XXXX stated they don't call just send out notices. 

I then contacted this Company Southwest Credit Systems, LP why then was I not notified by them in XX/XX/XXXX when they got my file. The gentlemen on the phone stated that I was on DO NOT CALL LIST, I advised him this was not true. He said they sent mail to my parents house in XX/XX/XXXX BUT I NEVER GOT ANY MAIL, PLUS I DONT LIVE AT MY PARENTS I HAVE LIVED IN DIFFERENT CITY prior moving back to XXXX from XXXX. I then asked him there has to be a law in putting something on a credit report with out the proper notification of the person owning the debt, I explained to him this will hurt my credit and if they could remove the Collection on my credit report SINCE I DID NOT NO ABOUT THIS DEBT or I was not properly notified. I told him I NEVER new about this and if I did I would of happy to paid it. He stated that I could file a dispute with there company. Upon talking with him I could hear he was being coached in the back ground then he put me on hold. He then came back and said I could not remove this off my credit report or file a dispute since they are a data furnisher ( which I have no idea what that means ) he said they don't have to notify me by mail or phone that they can put what they need on a credit report. I told him this was against the law, I could still hear this lady coaching him in the back ground. I then asked to speak to a supervisor, upon speaking to her, I explained my information. But according to her they show NOTHING ME BEING A DO NOT CALL LIST. So the company was now lying to me, and she didn't know why he said that. So my question then was IF YOU HAD MY FILE SINCE XX/XX/XXXX why no phone call. She then stated again they are a Data furnisher and they don't have to call. I then explained again this was against they law, they can't just put a collection notice on a report with out making the proper notifications first. She said I could not dispute this coming off my report. Im ok with the balance I am going to pay the XXXX I owe, but I am not ok with the practices this company has, they have over 547 complaints online, and most of them are the same notifications procedures. Thank you for you time in this matter, I would just like this off my credit report please.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WI)

I am a member of the XXXX and I believe recent action taken by Citi with regard to XXXX control is discriminating against law-abiding citizens like myself. Big Banks who have been bailed out by the taxpayers of America should not be setting policies that should be left to our lawmakers. I have been a customer of CITI for over 15 years and I'm very close to closing my account because of this action.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2018-04-28
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. (VA)

On XX/XX/XXXX, I submitted a complaint number XXXX against CITI BANK. I opened a dispute last year against XXXX XXXX XXXX for {$1200.00} which was a partial hold of the original amuont {$2200.00}. I then took the case to small courts claim at XXXX County General District case. The judge advised the merchant to give me a partial refund of the {$1200.00} and in return I was asked to close the dispute to make the {$1200.00} available to the merchant. The {$1200.00} was posted on my account as PAID to " XXXX XXXXXXXX XXXX XXXX XXXX XXXX '' on my XX/XX/XXXX statement and I paid the total amount of the bill to CITI BANK. In late XXXX, I received a letter dated " XX/XX/XXXX '' confirming the dispute was actually closed as per my request on XX/XX/XXXX and {$1200.00} was released to the merchant. One week after opening a complaint at Consumer Financial Protection Bureau I received a phone call from XXXX XXXX confirming the case was closed and she sent me a letter by mail dated XX/XX/XXXX that the {$1200.00} was paid to merchant 's bank. Yesterday, I received a notice to appear in Small Court Claims of XXXX County on XX/XX/XXXX because the merchant claims they did not receive the {$1200.00} yet plus {$910.00} in fees and interest!. If this turned to true that CITI BANK failed to pay the merchant their {$1200.00} I will proceed with suing CITI BANK for all the trouble they gave me since XX/XX/XXXX, otherwise CITI BANK has to send me the date, transaction name, merchant name and bank name to where the {$1200.00} I paid went to and when it became available to the merchant and wether it was collected by the merchant 's bank. Of note, I tried to reach out to XXXX XXXX at XXXX twice yesterday XX/XX/XXXX and left a voice mail to call me back, I have not heard back from her yet.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> I disputed this information with Experian prior to repeated phone calls also complain with you # XXXX. Then contacted them again and submitted a identity theft report along with a police report on XX/XX/year> # XXXX. I received a updated reported today and also called them. I am keep being told that those inquiries stem from prior inquiry to me purchasing my vehicle in XX/XX/year>. Which I know was untrue and ask to call XXXX which I did when paying my car note and which I was informed that those companies have no affiliation with them at all. Then XXXX told me to call Experian back and I did but no change. I called Experian today and spoke to the fraud department and was told that the inquiries from XX/XX/year> was a previous inquiry to XXXX which it not true. I never applied for a vehicle in XXXX so how could someone know I was looking for a car. I drove XXXX hours out of state to purchase my vehicle and drove it back to XXXX. It make no sense and those inquiries are months apart. It is Identity theft. Me calling, writing letters to dispute, filing complaints etc. I Submitted a Police report and Identity theft report as needed but they refusal is beyond me and is hurting my credit and/ or to obtain credit. 

Please see new Credit Report I received today. Inaccuracies still remain in the brackets