davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
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: CITIBANK, N.A. (OH)

On around XX/XX/XXXX I went onto the XXXX XXXX website to apply for their platinum credit card. They were offering XXXX bonus miles if you got approved for the card and to spend {$2500.00} in 3 months. Also the annual fee would be would be wavered for the first year. I click on to apply and put in all the information. Several days later Citibank sent me a letter saying that they got my application but I needed to contact the credit agency to unlock the freeze that I had on my account. After unfreezing my account I contact Citibank and they checked out my credit and approved me for the AA platinum credit card. I received the card on XX/XX/XXXX and started using the card right away. In 2 months I spent over {$2500.00}. After 3 months around early XXXX I contacted Citibank because they did not give me the XXXX bonus miles. I talked to an agent and she told me that I had signed up for the wrong card. When I applied that was the only card on the AA site that offered the XXXX mile and still today they still have that offer. The agent said she couldn't help me if I didn't have any proof. I decided to contact Citibank again several days later and talked to another agent. He filed a complaint for me and said I would hear something in 5 to 7 business days. After not hearing from Citibank I called them again for the third time. This agent said I wasn't qualified for the card because I had cancelled an XXXX XXXX credit card in the last 5 years. I told the agent that the find print on the application said you couldn't receive the bonus miles if you had cancelled in the last 12 months. In XXXX of XXXX I had an AA card with Citibank. I contacted them and said I was going to cancel the AA card and was going to get a Costco credit card. The agent told me that Citibank had the Costco card and if I applied I wouldn't have to go through a credit report. I then told the agent to cancel my AA card and to get me the Costco card. He said it would take 5 to 6 weeks for the card to arrive at my house. On XX/XX/XXXX I received the Costco card. I hadn't used the AA card for many months so I knew in XXXX when I talked to the Citibank agent that I didn't owe any money and my account was XXXX. Why would I have spent {$2500.00} on the AA in XXXX and XXXX if I knew that Citibank wasn't going to issue me the bonus miles. Why didn't Citibank tell me that when I was approved for the card??
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax has n't updated my credit report and is reporting over XXXX unauthorized inquiries that is damaging my credit score. 
Also, Equifax is not reporting correctly my Monthly VA Mortgage of {$1700.00} payments since my VA Loan was modified on XXXX XXXX. 
I respectfully do n't want to display my Bankruptcy chapter XXXX to the public or potential creditors. I am on XXXX and Retired. 
I should be accommendated according to Department of Justice XXXX XXXX Act of Congress of XX/XX/XXXX.
Consumer complaint received 2016-09-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Williams, Rush & Associates, LLC (NJ)

Williams , Rush & Associates LLC are calling me and identifying themselves as the XXXX XXXX division of credit. They are not who they say they are and I have filed a complaint with a lawyer who is seeking damages plus legal fees on my behalf. The company does not identify themselves as a debt collector until they intimidate me by saying I will be arrested or other infractions will happen to me if i dont pay this outstanding debt. The debt is a result of disenrolling from a school too late leavin me with a balance at the school level. They were served in XXXX with Federal Case # XXXX. They were told to cease calling and idenifying themselves falsely. They apparently have ignored the document because they are calling me more and more. I have all the messages recored on my voice mail server. They are an intimidating firm. My lawyer thinks they have no regard for the law because they are ignoring what they were served with.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NJ)

On XXXX I was in the ER of XXXX XXXX XXXX ( XXXX. ) in XXXX, NJ. I never received a bill. Fast forward to XXXX I received a collections notice. I phoned the company to find out why I was in collections. I told them I never received a bill and I don't know what they are talking about. I then called my insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and  after looking into their records they could not find any claim for {$2800.00} for XXXX. Called collection agency again, they said I didn't get a bill because the hospital had the wrong address. I called XXXX. and they said it was my fault because the address was wrong. 
I said to her, " Why would I give you the wrong address when I have great insurance and it would have been paid ''. She just put the blame on me and hung up. I called my insurance co. and we called collection agency together to try and resolve. After more digging the insurance company said that the claim was " purged '' and that they can try and get it " unpurged '' but that I will not be responsible because of time frame and they had the wrong address. She also told me XXXX or I may not be responsible because of the statue of limitations and they will tell the collection agency that they can't collect from either of us. Approximately 30-days later I received a call from XXXX saying that they are not responsible because of the statue of limitations and that I'll be responsible. I said to her, " What about informing the collection agency that I am no responsible either? '' She backpedalled and said becuase they are out of XXXX  they have no legal right to direct the NJ office to tell the collection agency they I am not responsible either. This is so unfair. When I went to the ER the nurse had to come get me from the ladies room where I was found on the XXXX in the XXXX XXXX in so much pain. Between XXXX and the pain I was in, they should have gotten my information from me when the Dr. administered the pain medication and I could think straight. Why would I give them the wrong address and give them the correct address of the company I worked for??? And how is it that the collection agency found me and the hospital couldn't. There is no such address because I looked it up. So, they had to be getting letters back as undeliverable. They just didn't want to do their due diligence to find the correct address. I'm listed if you do a 30 second search on the internet for me! And the collection agency just keeps telling me, Well, sorry the insurance company won't pay, we can set up a payment plan for you. It's unfair that if someone would have went an extra step further 6 years ago we would not be in this position. Now the bill is still unpaid, still on my credit report, AND although I am said to have really great credit I can not get a mortgage because of this fiasco on my credit report. So, I sit and cry because I'm exhausted from fighting. Please help me.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I originally disputed 31 items on my LexisNexis Consumer Report in XX/XX/XXXX. They corrected some of the information but several items were not. I shopped online for automobile insurance in XX/XX/XXXX and discovered that several automobile accidents were still on my report. I disputed the items again on XX/XX/XXXX. I did not receive a response from LexisNexis until I contacted them on XX/XX/XXXX to get an update on my request. I finally received a letter from them on XX/XX/XXXX that my report was available on their website. The new report still lists six accidents which all involved my son and not me in any way. At the time I filed both disputes, I explained to LexisNexis that the information was related to my son who has the same name and shares my home address but owns his own car, has his own PA driver 's license, and his own automobile insurance. I have afforded them two opportunities to correct my report but they have failed to do so. Therefore, I am requesting your assistance in having the original 31 items removed from my report in a timely manner.
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I submitted a dispute last year in XXXX. XX/XX/XXXX to be exact and I haven't received anything back from the bureaus yet. According to law you have 30 days to complete an investigation and it's been well over 30 days and the incorrect items on my credit report still remain. They should be removed immediately. Am I being taken advantage of? I feel like I am. Again, section 611 a states that a failure to investigate those incorrect items within 30 days is a reason to remove them so with that being said I demand you the accounts disputed be deleted immediately or I will be filing litigation due to the stress you've caused me.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My wife and just created Transunion accounts in order to check out credit score. While signing up, the site does not once mention a subscription or service fee, though they do ask for a credit card at the end of the sign up form. We figured it was to have in case we did decide to purchase a more advanced version of the credit monitoring service and we just wanted to check our credit score, figuring it was free since there was no mention of payment. 
I double-checked the entire page before I clicked submit at the end of the account creation/sign up form on transunion.com and there was no statement that said I was agreeing to purchase anything at that time nor was there any price shown. Again, I figured it was a free basic credit score account like you can get with a ton of other credit monitoring services, so I signed up and so did my wife. We each then recieved an email saying we were charge {$25.00} for a monthly subscription. 
This is absolutely underhanded and intentional deception by this credit monitoring company to dupe people into thinking they are signing up for a basic, free account. How can they charge a credit card without stating they are doing so and without giving a price during the sign up process? 
They have no way of contacting them outside of normal business hours and I need to cancel this now. This could cause a real issue, as I did not expect {$25.00} to be billed to me ... This could cause interest on purchases that I was not willing to accept or an account balance fee. There is absolutely no way that this method of signing up is not an intentional trick to force people to pay for something they didn't know they were going to pay for. 
On top of that, they have a place on the site where you can request to cancel your service. I did it as soon as I realized they charged me without my consent.. within minutes of signing up. They do not offer a refund and just say that they have cancelled my account.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Multiple FCRA violations and discrepancies on both XXXX  and Equifax from XXXX XXXX from account XXXX # XXXX XXXX. 
( High credit amount is inaccurate ) Amount on payment history statement is {$8700.00}. Amount on credit reports is {$6100.00}? Please see statement in upload. 
( Illegal re-aging ) Statement shows first date of delinquency is XXXX. No payment made and was first 30 day late. Account is older than 7 years since date of first delinquency. 
( Account type ), ( Account status ), ( Last reported ), ( Comments ), ( Date last active ), and ( Date of last payment ), All read different and are inaccurate, between XXXX, and Equifax reports. Please see uploaded reports! XXXX  has already deleted due to these same inaccurate items. ( Delete immediately from XXXX and Equifax! )
Consumer complaint received 2020-12-21
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

It was simple. I paid last payment for XXXX XXXX in XXXX, 2020 bringing the account to XXXX and closing the account by my request. However, XXXX, XXXX, and XXXX show 30 days past due on my credit report. This is negatively affecting my ability to apply for apartments and acquire any lines of credit. The investigation showed the information was accurate and this is NOT POSSIBLE. The account was closed and had a XXXX balance in XXXX. I was never told anything was late or due at any point after that final payment. XXXX  and EXPERIAN both have those months in 202 as late 30 or 60 days late. They have not resolved this.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

I put a {$1000.00} down payment on a auto-cycle ( XXXX wheel scooter that is enclosed ) using a Chase card on XXXX XXXX, XXXX. At the time of the transaction the ship date for the product ( it had not been produced yet ) was fourth quarter XXXX. I contacted chase bank to initiate a dispute on the good not received, and they informed me they would be unable to due so due to over 500 days passing from the date of transaction. I informed them that the product was not expected until 4th quarter XXXX, so the clock for when to dispute should not have begun sooner than when the product was expected to be delivered. Chase is refusing to open a dispute, and has agreed that I have " no protections '' for this purchase from Chase.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inquires that needs to be removed, customer service would not take care of it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card
Consumer complaint received 2015-08-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I recevied a message on my phone stating that I am past due for payment on my auto loan. I was n't sure why seeing that I had recently made a payment! I called the number left on the voicemail, a representative started off asking for verification of my name, address, phone number and give the make and model of my vehical. The next statement that was said was : XXXX you owe $ $ $ on the XX/XX/XXXX loan and will you be paying today! I said wait why must I pay in full the balance of my loan today! I was told that my loan has expired and I need to pay now! I was confused since it was never told to me that my loan was near the end! I have never missed a payment and I figured the loan was calculated based on the monthly payments!! She then ask what can I pay, I explained that it 's on XXXX payments basically left and that I will continue as usually! She said " that 's not unexceptionable ''!! If I do n't pay in full immediately that my loan will be " charged off ''. I expect to pay my loan in full interest and late fee, but you want to damage my credit! I have paid {$420.00} for 5 years and I 'm at the very end and this is how you treat your better that good customers!! I asked to speak with a manager/supervisor because in very upset now! I was placed on hold for a while, when the manager/supervisor came on he proceeds to say that when I told my extensions that it 's needed to pay the loan in full! I told him as I was approved for my XXXX tensions I was never explained other than this will extend the loan. I was never told that I would be expected to pay my balance of the loan a moments notice regardless, nor was I given in advance notifications regarding this matter and their expectations! He proceeded to ask if I can borrow money from somewhere! I feel like I was being " strong armed '' by the financing company!! I have worked hard for XXXX yrs too make each payment on this loan with the high interest rate and told I 'm a valued customer with great payment history, but denied refinancing when requested! I am trying to rebuild my credit and for this to happen would be devastating! I feel this is totally wrong and very poor customer service! Please help!
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

On XX/XX/2020, I received a bill from EOS CCA Stating that I owed them something. I immediately responded and disputed the validity of the debt. I informed them that the debt was not owed by me and tried to resolve the matter amicable between us. To date, The company only sends me bills, but they will not provide the original contract with my alleged signature ( it doesn't exist ). This is harming my credit rating gravely, because it is not reflecting accuracy.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

Refinancing my first mortgage in the amount of {$500000.00}. United Wholesale Mortgage is new lender, they sent the funds to XXXX XXXX XXXX, who is the title company in charging of disbursing the funds and closing the transaction on XX/XX/2020. As of yesterday XX/XX/2020 XXXX title had not yet paid off my old mortgage company which means I am being charge for two mortgages. My old one since they have not been paid off yet and the new one. Title company and the lender keep passing the responsibility to each other and keep producing new closing disclosures that they want me to sign. I am not sure why this is all happening as I signed all of my loan documents on XX/XX/2020 and to my understanding everything was fine!!! I just need help to see who is responsible to pay for their mistake. It should not be me since I did nothing wrong. I should not be paying for both mortgages. I have attached 3 difference CD 's produced by the lender, two after all my final loan documents signed. There is also a log of all the conversation taken place between my mortgage broker and XXXX XXXX. 

Thank you
Consumer complaint received 2020-12-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

USAA SENT ME A LETTER ON XX/XX/XXXX STATING THAT THEY NEEDED FURTHER INFORMATION FROM ME OR THEY WOULD SUSPEND OR CLOSE MY ACCOUNT. I WAS NOT GIVEN ANY OPPORTUNITY TO GIVE THEM THE INFORMATION, AFTER 18 YEARS THEY GOT NASTY WITH ME. I EVEN REACHED OUT TO THE CEO XXXX XXXX WHO HAS NOT RESPONDED YET. I AM A XXXX VET AND FEEL THAT WHAT THIS BANK DID WAS TOTALLY UNFAIR AND THEY ARE IN THE WRONG.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WINN LAW GROUP, APC (CA)

I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. 

Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. 
What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement. 
PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. 
Thank you! 
Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO WINN LAW GROUP AS WELL AS TO XXXX ( so XXXX can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )