davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC (NY)

Omega RMS  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  Omega RMS  is using deceptive practices to collect money from me and they need to be investigated.  <P/> I obtained copies of my credit reports and noticed a listing from  Omega RMS . I did not authoriz e Omega RMS  to obtain my credit file . Omega RMS  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sen t Omega RMS a v alidation letter to prove that they own this debt they claim I owe.  Omega RMS  then sent me old statements from various companies with dates from   XXXX  .  Omega RMS  did not send me a purchase agreement, bill of sale or any type of proof that  Omega RMS  is legally entitled to collect anything from me. To this day,  Omega RMS  is still reporting this account on my credit file and trying to collect money from me.  Omega RMS  deceptive tactics are malicious and intentional.  <P/> The account I am referencing is :  Omega RMS  Acct #  XXXX  ...
Consumer complaint received 2017-07-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Hello My Name is XXXX XXXX, I bought a used car XXXX XXXX on XX/XX/XXXX from a XXXX dealer called XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, IL XXXX. 

I checked the car ( XXXX XXXX ) outside the dealer and it had lot of issues and tried to return it by the first month but the dealer convinced me that they will do a huge discount on it, thats why my loan started after 6 months since I bought it as compliment from the dealer to me, but later on I was behind for one time and the car was broken, I fixed it and paid more money so I was late gain in my payment one more time but not consecutive, I went back to their web site as I used to pay the payment that I missed I could n't find the car account on the website, I called them they said they want to take the car because they are doubting my ability to pay and they will put it into auction. I called them again and again to take the money for it and every time they say ok we will tell you how much exactly since we don ; t have the full payment on it because other dep. involved in it since I 'm paying for another one from the same dealer and have no issues with it. 

later on I was out using it and I could n't find it, they towed it without my notice at a private area XXXX in XXXX XXXX, and moved it to the auction without my consent and sold it for pennies, I was owing XXXX on it since the dealer scammed me and did n't lower the price a penny, now I do n't know how after they sold it without even calling me or send me any mail or email I still owe them $ XXXX. 

I found them made a charges on my credit file while they did n't contact me by any mean, I have been trying to call the creditor that on my credit report file but they have a wrong phone number for a summer camping resort! I called the dealer that this is wrong and I 'm welling to delete it and pay installments but unfortunately every time I call the dealer they transfer me and they hang up on me. 

creditor data as on my credit file from credit wise ( screen shot ) to prove is attached by wrong number
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Numerous transfers with my account to another party that I have no affiliation with.     I contacted bank of america and clearly they did not do their due diligence. They clearly did n't verify any information between me and this individual. Bank of america remained unable to be contacted even after I called numerous times for an update. I want all quick pays sent to   XXXX   refunded back to me {$1300.00}. I do n't know this individual as I explained to Bank of america. In addition, I have also filed a police report.  XXXX
Consumer complaint received 2017-07-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened the citi bank account on  XX/XX/XXXX .  And I was qualified for the promotion of {$400.00} offered by citi then for account opening and deposit. But it had been almost 9 months since then. I still has n't received it yet.  <P/> In the past months, I submitted all documents citi required. But every time, they said it worked now. But every time when I checked with them again, they would found an excuse and mentioned I was not certified again.  <P/> For e.g, I went to citi bank branch to meet a personal banker directly and submit the documents they asked again  2 weeks ago. T he personal banker mentioned it  may  need around one week to process it but I still has n't received anything and even the personal banker did not respond to my email.  <P/> I am really angry on it.  Citi  is playing games with customers.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

( 1 ) ABUSIVE DEFERRED-INTEREST ACTS OR PRACTICES : In or about XX/XX/XXXX, I began disputing how payments in excess of the minimum payments due were being applied to balances on the deferred-interest promotions. Excess payments were made beginning in XX/XX/XXXX through XX/XX/XXXX, but excess payments were not paid towards expiring promotional deferred-interest promotions, causing late fees and interest to be added to the balance. ( 2 ) UNFAIR BILLING DISPUTE PRACTICES : When I disputed the mishandling of refunds and excess payments, PayPal did not acknowledge or respond to my account disputes for over 2 months when promotional periods were expiring, charged late fees and interests during the dispute period, and sent negative reports to the major credit bureaus without responding to billing and payment disputes. As a part of my dispute, I requested for PayPal to forward billing statements from XX/XX/XXXX to XX/XX/XXXX. PayPal only provided statements from XX/XX/XXXX to present. PayPal did not accurately apply refunds for returned merchandise directly to merchants to reduce the deferred-interest and payments, causing double billing charges.
Consumer complaint received 2017-07-14
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: EQUIFAX, INC. (MD)

XXXX   XXXX ,  XXXX  continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.   I have contacted  XXXX  where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.  <P/> Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard.  XXXX  is reporting to  XXXX  This issue with  XXXX  has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.  <P/> As  one  of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call  may  be recorded for quality and training purposes, however I do not know if it tuly were.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Company has failed to provide proper notice of alleged debt prior to reporting the information to the credit bureaus. The company has intentionally changed the opening and delinquency dates of the alleged debt to cause maximum damage to my credit report. The company has also willfully inflated the amount due of the alleged debt. The company is reporting a debt that may ha ve been the result of unauthorized usage.     I am the CEO of an investment conglomerate and am in the process of an important merger. I need my credit report clear of inaccurate information in order to qualify for appropriate loans. The inaccuracies presented by the company are hindering my ability to earn a living. For every week the inaccurate information appears on my report costs me $  XXXX .     It is for these reasons I need to receive documentation to validate this debt.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Smith & Smith Investors LTD (IA)

I called this company and wanted to pay the {$86.00} debt on my credit report. I wanted to pay it so they would take it off my credit report and this lady told me I owed over {$400.00} and she would take my payment but she would n't remove the derogatory remark off my credit report but XXXX reporting was coming up and she would place debt on there that I have no records of. So I hung up on her and am now wondering what else I can do and if this is legal.
Consumer complaint received 2017-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion today ( X/XX/17 ) to dispute multiple inquiries on my report. I am a victim of fraud with an active fraud alert. I do not recognize some of the inquiries and there are multiple ( duplicates ) for ones I do recognize. I was not contacted by any of these companies as required. I was told I needed to reach out to the creditor. I am taken aback that I should call someone who I never did business with in the first place. Transunion is constantly experiencing technical difficulties and " glitches '' through out their systems. It is hard to believe they are at all capable of protecting or providing correct information.
Consumer complaint received 2017-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OK)

This financial institution put a hold on over {$80000.00} of our earned funds until an investigation could take place to deem if we could have access to it. After an unusually long period, they released our funds, but kept {$10000.00} on reserve to cover any " future risk ''. As a consumer, we have no right, we have to obey what they demand because we do not want to lose our money. It 's been over 60 days since we stopped using their institution and they still refuse to release our money, matter of fact, now they refuse to respond to our inquiries at all.
Consumer complaint received 2017-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A. (FL)

I purchased a used vehicle from XXXX XXXX, XXXX, FL, not only did they add some XXXX XXXX 's to my car loan without my knowledge and consent, they actually added more misery by putting on tires that were not even safe even though they sold me a {$400.00} tire policy, then the {$1500.00} car maintenance plan added to my PNC Bank loan they are failing to repair the recall on my airbags on my XXXX XXXX XXXX VIN # XXXX. Now a law has been passed in the State of Florida making sure dealers have money to repair used vehicles regarding this safety recall XXXX XXXX Occupant Restraint Controller. I have had no luck with XXXX Dealerships also, stating the part is not available. So then I called my PNC Bank to see if they can freeze my loan ( I pay XXXX per month car payment ) so they can impound the vehicle, have it in their possession until a repair can be made. Recently I was rear-ended and the first thing the collision body shop asked me is " did the air bag light go on ''. I have found a piece of bent metal before this accident and had no idea where it came from, it may have XXXX XXXX XXXX XXXX XXXX, but really threw it out not really knowing what it was. I do not feel safe driving in this vehicle or having my XXXX in this car. I live in the high humity area that they say is crucial to first be fixed. <P/>PNC Bank recommended I trade the vehicle in, and I know I will never get a decent value due to this recall, but I am worried I wo n't even be able to get rid of this car or have it fixed and want some help with this issue.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XXXX / XXXX /  XXXX   - I received an electronic state ment from Citi that I owed {$95.00} annual fee on a closed AAdvantage account. I then contacted them through their online Secure Message s to inquire about the charge. They responded saying the account was now closed and prorated the fee down to {$23.00} since their " record '' showed I did not call to cancel in  XXXX   XXXX  and I was over the " 37 day cancellation period '' to receive full refund.  <P/>  XXXX / XXXX / XXXX  - After over a month of messages back   and forth, I told them I 'd contact Citi Corporate since they could n't resolve the issue. I also pointed out that to this day, I was still able to generate a Virtual Account Number on this " closed '' account. They responded with the Office of the President address.
<P/>
Citi reps were quick to come back and argue but never attempted to investigate the integrity of their computer/billing system, ( 1 ) why the closed account is still active, and ( 2 ) IF they had been sending out statements, finance charges would have accrued on any outstanding b  alance since  XXXX .
Consumer complaint received 2017-07-14
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: CL Holdings LLC (MA)

I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

I did not agree to loan terms. I was never contacted via phone for loan terms. The interest rate is shark-like. I 'm not even sure this is legal. Contract did not specify paying eve ry two w eeks.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I NOTICE ON MY CREDIT REPORT  XXXX   XXXX  NEVADA ADDRESS AND I NEVER LIVED IN  XXXX   XXXX  NEVADA. I DO HAVE FAMILY IN  XXXX   XXXX  NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE ISSU ED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL  XXXX  EXPERIAN,  XXXX ,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   THESE ARE NOT MY DEBT. NEVER LIVED IN  XXXX   XXXX  NEVADA.   PLEASE ASSIST
Consumer complaint received 2017-07-14
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: JPMORGAN CHASE & CO. (AZ)

I applied Chase XXXX credit card on XX/XX/XXXX at XXXX website. At that moment, I saw the XXXX Ads that they 're offering 40,000 points after {$2000.00} purchase in 3 months ; {$50.00} statement credit after the 1st purchase ; 5000 points for adding authorized user. As a result, I clicked the ads and went through the application process. The card has been successfully approved and mailed to me. However, when I called Chase to verify my offer, I was told that my offer has been changed to be '2 Free nights ' instead of the original '40,000 points '. I sent secure msg via my chase online banking and escalated it to senior leaders. However, after 10 days back and forth, Chase insisted that my offer was 2 free nights but not 40k points. Here I attach my screenshot at the moment i applied the credit card. And even now, both XXXX and chase web still post the ads of 40k points. Chase is cheating customers by posting attractive ads but offering a different offer indeed!!!
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OR)

XXXX   XXXX   XXXX   (  or at least someone impersonating them  )  calls on a daily basis. Last call was  XX/XX/XXXX ,  XXXX . They have done this on and off for 3 years now - generally calling daily for several months in a row, before going quiet for a month or two, only to start up again. Sometimes it is a robo-call, sometimes it is a person. Thing is, we are a church, not a private individual. The individual they are calling for can not be found here, and they have been informed of this fact over and over and OVER. And yet they still keep calling. For years now. The last call they made is a robo-call with a message left on the church 's answering machine. The message has been saved.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (VT)

I have had ongoing issues with Synchrony Bank 's IRA fund division. Paperwork is routinely lost and Synchrony is unable to locate it two weeks later. I have on repeated occasions filed by fax the required paperwork to transfer IRA funds from my XXXX mutual fund account to my Synchrony money market account. The paperwork has been lost by Synchrony despite Fax confirmation of receipt. I have had to continually call to track where my funds and transfer request are. I have dealt with a senior IRA representative at Synchrony, XXXX XXXX, who repeatedly apologizes through the problems remain ongoing and unresolved, requiring me to check my account on a daily basis to ascertain the whereabouts of my missing funds. <P/>On this latest occasion, I had to twice file faxed paperwork to transfer {$10000.00} from my XXXX account -- {$7000.00} from one mutual fund and {$3000.00} from another fund -- done in a single transaction. Those funds were dispersed by XXXX on XXXX XXXX,2017 and {$7000.00} was deposited into Synchrony Money Market on XX/XX/XXXX. It is now XX/XX/XXXX and the {$3000.00} transferred amount was never deposited to my Synchrony account and there are no transactions pending on the Synchrony webpage of my account. <P/>I have just spoken to a Synchrony representative on XX/XX/XXXX at XXXX XXXX and they have no idea where the money is. I am particularly XXXX as I am investment and computer literate and yet continually encountered problems requiring careful and ongoing monitoring on my part. Other depositers may have disappearing funds they are not even aware of. <P/>Please look into the operations at Synchrony because I think there may be a fraud issue involved. Thank you for your diligence and for your oversight. <P/>Best regards,
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NY)

I am a   XXXX   XXXX   XXXX   XXXX   helping a client get a modification on his mortgage. The servicer  is PHH a nd I have had continued problems with them regarding this case.   My client recently started receiving    XXXX  . W e sent the servicer the award letters showing how much he will be receiving. We also sent him an explanation letter stating that he applied for direct deposit but that it would take some time before it would begin to show in his bank account.   In the meantime we showed that the client was depositing his check into his account every month. His direct deposit just started in   XX/XX/XXXX .     PHH keeps in sisting that they nee d two months  worth of deposit from Social Security. We have submitted a fully documented hardship request along with a third party authorization.   The servicer keeps sending out missing docs information for the same documents that have been submitted.   The most recent package was sent  XX/XX/XXXX  of this year. Soon after they received it, they sent back the missing docs letter asking for information that was already sent.   My client has   XXXX   XXXX   and he is on  XXXX . He would not be able to tackle this issue alone, so I am advocating for him.   Now with his income he is able to pay his mortgage, b ut PHH is mak ing it really difficult for him to get a modification. My client has a lawyer from legal project working on his behalf as well.   This has been going on for several months and it has gotten to the point where I just needed to make a complaint.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

This he insurance company   XXXX   try to make me paid 6 months in advance when the try to increase my police s 300 time. So I look for better options and I get   XXXX  . After 8 year with  XXXX  I will Never come back to th em, they never make me sings any contract they can not force to pay a service in advance when I never received any kind of service. I told them show me any contract even though email or verbal, and they said we will send you to  Colection  this is not right. I 'm try in to purchase my first home I really take care of my credit. This is and ilegal procedure of this gigantic company. The send me a letter to do my claim I fielded and they deleted and few weeks they do it again.  <P/> Thank you.