davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NM)

I received a negative collection notice on my credit report from Phoenix Financial Services attempting to collect a debt for XXXX XXXX XXXX XXXX for a delinquency on XX/XX/2018. I researched in my calendar for any medical appointments for XX/XX/2018. I did not have any medical appointments during that time period. I am a retired military XXXX and I am covered by XXXX insurance. I would not have a medical bill. Phoenix Financial Services is a company that is known for scamming people with be guilty of all known scams. I filed a dispute through the credit agencies and they have sided with Phoenix Financial Services, even though, PFS, have no documentation to back the claim. At least is wasn't presented in the dispute. 
Thank you, XXXX XXXX
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Opened new account in XX/XX/XXXX in order to take advantage of a New Account Bonus  offer of {$750.00}. I met all qualifications for the offer and inquired into the payment of the bonus in XXXX of XXXX. I was then told that i did not use the right promotional landing page in XXXX of XXXX. I have actually worked in the XXXX XXXX for 28 years and feel better equipped than most to fill out a new bank account online. 
The fact that HSBC said i used the wrong landing page feels deceptive and i have since closed my account.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.
Consumer complaint received 2020-03-27
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: DISCOVER BANK (OH)

A contracting company XXXX XXXX XXXX XXXX  XXXX ( XXXXused   going forward ) did work. They did not finish and I had already paid on XXXX, XXXX XXXX I suspended the payment that I made with Discover card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called Discover and asked about giving a cashiers check, I was told to have XXXX  write on XXXX  letterhead accepting check instead of Discover card payment by XXXX XXXX. ( a discover employee ) I did what Discover told me to do and they charged me and paid XXXX again. Discover said they received a statement from XXXX  and because of the statement from XXXX  Discover paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by Discover and that the company he uses XXXX or Discover must have the money. XX/XX/XXXX. There have been multiple phone calls to Discover and XXXX. I also sent messages to XXXX. I am being charged and XXXX was paid with the requested check. Discover stated that because of statements from XXXX  I do not have enough proof to show XXXX  was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. 
Discover Financial Services XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX XXXX, XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-05-11
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: CITIBANK, N.A. (WA)

Hello, XXXX XXXX has confiscated the miles I earned from credit card sign up offers from Citi Bank. I received signup offers from CitiBank as part of the offer for opening new credit cards with Citi. All of the signup offers were deposited into my XXXX XXXX account XXXX. I had opened XXXX XXXX Credit Cards with Citi Bank between XX/XX/XXXX - XX/XX/XXXX and received a signup bonus as part of the card bonus offer. 

The applications for my XXXX XXXX Credit Card with Citi did not have any 48month restriction for bonus. Attached is a screenshot of the application page which does not mention any 48month restrictions. As you can see my applications do not have any 48month restrictions. 

XXXX XXXX claims that I have circumvented " the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page '' Attached is the response I received from XXXX XXXX to my DoT Complaint.
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE XXXX PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX/XXXX  closed my account with XXXX balance on XXXX.I did not closed this account.This credit card was a XXXX credit card.XXXX is now closed/Bankrupted/etc ... It seems like credit card companies are closing credit cards with XXXX balance or lowering limits because of the corona virus pandemic.There are many recent news articles that state credit card companies closing accounts.Because i cant use this card anyways, I do not want XXXX XXXX/XXXX  lowering my credit score by  closing my account.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AZ)

Original loan with Wells Fargo Auto was purchase of Certified Pre-Owned XXXX XXXX from XXXX, AZ dealer XXXX XX/XX/XXXX. The loan has been paid monthly since purchase usuall several days before due date the first of each month. In addition, Three pre-payments were made totaling {$7000.00} In a former complaint, I went on-line to WFA web and started a re-finance application in XX/XX/XXXX. I did not complete the application and closed the WFA web site believing an incomplete application would be rejected. Shortly after, I learned WFA underwrote the incomplete application. However, since I never gave permission for WFA to access my credit information, I believe their access to my credit history was illegal. Between XX/XX/XXXX and XX/XX/XXXX I had contact with WFA Office of the President and the issue was finally addressed. 
The week of XX/XX/XXXX, I contacted WFA and inquired about re-financing the loan assuming interest rates would be more favourable. 
I was informed WFA had made the decision in XX/XX/XXXX not to accept any applications to re-finance auto loans even though they are the original company that extended the loan to me. 
The reason given, " due to the current Corona Virus problems. 
Although not illegal I suspect, to refuse to allow me or any other clients to take advantage of lower consumer finance rates should not be allowed and/or WFA should be prohibited from offering consumer loans to the general public. 
I also suspect, the decision not to accept applications for re-financing customer loans in good standing was not publicly announced to the general public in order to escape further damage to the reputation of Wells Fargo Bank. Either the company is in the business of consumer loans or they are not.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

Back in XXXX of XXXX my adjustble rate mortgage was adjusting up by {$19.00}. I never received the notice for XXXX sent wrong to address because of unit number. When I noticed the increase in on the XXXX XX/XX/XXXX the representative who helped me was able to take an extra unapplied pay i made in XX/XX/XXXX and applied it to the underaged mortgage payment, thus making it current. I even made 2 payments extra in XX/XX/XXXX so this would never happen again. Thus, always having my payments with more money in advance. Chase had reported late payment in XX/XX/XXXX but then fixed the mistake and fixed my credit. 1 year later, in XXXX, Chase now has started to report again and report the late payment after it was taken care of. Now, reporting late again on my credit. They are going back on their word when they admitted they had already fixed and applied payment and error reporting late to credit 1 year ago. My credit is being affected by 40 points.
Consumer complaint received 2020-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

ON XX/XX/2018 I TOOK OUT A PAY DAY LOAN FOR $XXXX FROM NET CREDIT. NetCredit Attn: XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX Phone: (XXXX) XXXX Email: XXXX   Fax: (XXXX) XXXX   XXXX THEY ALSO HAVE AN ADDRESS AT XXXX XXXX XXXX, XXXX, TX 75063 AND PHONE NUMBER XXXX. I WAS UNABLE TO MAKE THE PAYMENTS BECAUSE NET CREDIT WAS ADDING OUTRAGEOUS FEES AND INTEREST TO EACH PAYMENT.  I WAS UNAWARE OF THEIR PROCESS.  

AS A RESULT, MY INITIAL AMOUNT THAT I OWE OF $XXXX HAS SKYROCKETED TO $XXXX AND GOES UP AND UP EVERY MONTH.  IT WILL REACH A POINT WHERE IT COULD GO OVER $50,000+

IN ORDER TO GET HELP I ENROLLED IN A DEBT RELIEF PROGRAM WITH XXXX XXXX.  NET CREDIT HAS REFUSED TO ACCEPT A PAYMENT OFFER OF THE ORIGINAL $XXXX; INSTEAD, THEY ARE BASING THEIR SETTLEMENT NEGOTIATIONS ON THE $XXXX.

NET CREDIT IS SO MUCH LIKE A LOAN SHARK.  THEY DON'T EVEN CARE THAT FINANCES HAVE BEEN AFFECTED BY COVID19 AND PAYMENTS OF MORE THAN $400 A MONTH ARE NOT DOABLE.  THEY DON'T CARE!  THEY WILL JUST ALLOW THE DEBT TO BALLOON TO AN OBSCENE AMOUNT.

THIS CANNOT BE FAIR.  AND, I DON'T UNDERSTAND HOW THIS CAN BE LEGAL.

THANK YOU.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had my Capital One bank checking and saving account at some period time. I kept on my account more than $ 100k. I closed my account few years ago. I dont owe anything to this bank. I hold my own money. I didnt take any loan, any line of credit. Everything was fine at that time. 
I have my venture credit card with the same bank for the last 4-5 years. No debts, no late payments, excellent credit score ( XXXX ) I get a lot of offers by mail offering to open again saving and checking account. 
Finally today I decided to do so. 
I was really surprised when my application was denied. 
I spoke to the bank representative XXXX on the phone. And he told me that it is what it is. And bank can decline me for any reason. 
I am really shocked since I never had any problems with opening accounts in any of the bank for the last 30 years. Each bank gladly opens accounts for me especially for large amounts. 
I recently complained about annual fee with my capital one venture card. It feels like as a revenge and consequently retaliation against me which seems highly inappropriate and not correct. 
I would like to find out what are the reasons to be declined.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sent out this letter to the company on XX/XX/2020 Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. 

Account reporting incorrectly Open account XXXX XXXX XXXX XXXX Please delete it I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors in their credit report, they have a right have them fixed right? I got this information from the FCT, and the CFPB. This correct information on my credit report is causing me problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 


Thank you,
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NV)

Hello. 

I am sending this complaint through this portal because I believe this is the best option to get a fair solution to this issue. 

LVNV Funding is playing with my rights as a consumer. The account information is teh following : account # XXXX, opened date reported XX/XX/2019, original balance {$2300.00}. 

Here are some violations to the FCRA committed by LVNV : 1. Double reporting 2. Reporting an incorrect opening date 3. Unfair business practices This is causing me XXXX  stress, and some other negative impacts on my health. 

Please send the attached documents to LVNV Funding. 
Thank you.
Consumer complaint received 2020-05-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mark A. Leachman P.C. (MD)

I have paid the amount in full but company stated I did not. They have failed to provide proper documents showing amount not paid in full. Did not call or email stating balance was due and now is trying to charge additional fees.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are transactions on my Capital One credit card that I need to dispute. Capital One has disabled it's online tool which allowed it's customers to dispute charges in their online accounts. Instead they are directing their customers to call their 1-800 number instead. For one week I have spent 5 hours on hold everyday trying to get through to someone but no one is answering the phone at Capital One. WHY DID THEY DISABLE THEIR ONLINE TOOL THAT ALLOWS CUSTOMERS TO DISPUTE CHARGES?? Why??? Why did they instruct us to call them instead but then they do not answer their phone? There is no LEGAL justification for this. You can not DENY SERVICE to your customers like this. It is against the law. What will the CFPB do about this??? Capital One is doing this intentionally. What is the point of having laws if corporations coninually are allowed to break the law with no consequences.
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MA)

Repetitive and harassing phone calls throughout the day with robocall messages left for several. The amount of phone calls being made by Citibank is excessive and harassment violation fair debt collection acts 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX 3 phone calls on XX/XX/2020 at XXXX, XXXX, and XXXX 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

Ive been with Homepoint financial Since XXXX, and they have increased my mortgage yearly! 

Their reasoning is that they want a bigger buff in the escrow! 

Ive not been give any consideration about these yearly changes, Ive owned my property since XXXX and has never missed/late payment! 

This is the first company that increasing my mortgage yearly when the other two previous ones didnt. 

At these financial times I cant afford to pay these increases yearly! I would like to have my mortgage assigned to another company that CARES for their clients and has compassion during rough time. 

I really hope someone can take time to help me! 

What would happen if I dont pay the increase they are asking for?
Consumer complaint received 2020-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MI)

I have had this loan since the early XXXX ( see attached documents ) for about 40 years. I and only have 90 credits. Half are the credits, I founded out later, will not apply to a business degree. I am owing XXXX {$25.00}, XXXX, plus FedLoan {$49000.00}, which is a total of {$74000.00}. 

I believe that I was subjected to confusing advertising, marketing, high pressure sales tactics, financial aid services deception, and misguided counselors. Presently, I am a XXXX year old and as a senior, is going through much hardship. I loss my job because of the Covid19 virus, after contacting the virus. It has been 10 weeks since I applied for  unemployment in XXXX. I am still waiting to receive my unemployment compensation. 
This loan have been a heavy burden and a hardship on my credit report and livelihood. I am requesting that the loan payment be terminated.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My wife contacted SunTrust bank about a possible deferment at the end of XXXX / beg of XXXX. SunTrust said they are only offering a forbearance and she declined. She tried to Make the payment on our first mortgage and it is blocked from us being able to pay. She called them multiple times over the last few weeks and has been waiting for a call back. I was able to call last week ( XXXX ) on the way home and got through. I was told that the act of us calling placed us on a forbearance. I asked to be taken off Immediately and pmts reinstated. We still arent able to make pmts. We tried calling this evening ( XX/XX/XXXX ) and at XXXX the recording states their offices are closed even though their hours are till XXXX. They state on the recording that they have 8 hour hold times and to leave your number for a call back. We just want to make a pmt on our first mortgage just like our second mortgage which is also with them.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I used the card sometimes around XX/XX/XXXX for an XXXX  transaction. The transaction was cancelled and a refund {$1100.00} by XXXX with case for reservation XXXX and I was told Citibank have refused to allow the transaction to scale through. I contacted Citi and a case REF ID : XXXX. They have been reporting to credit Bureau false information for over 3 months which has affected my credit score. I have sent several information to citibank since XX/XX/XXXX and all to no avail. 

I have been serious affected XXXX and XXXX that am at this moment considering XXXX. Citi has been treating me badly because I am XXXX and they have suddenly cut my credit line and everytime I made payment to the credit they reduce my limit immediately so I can't use the fund and I have never missed payment. 

I have lost my work due to Coronavirus and still struggles to get intouch with Citi customer service.
Consumer complaint received 2020-03-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

I have been paying on my student loans since XXXX. I have contacted Navient multiple times regarding loan forgiveness as I have been paying on them so long. My most recent attempt was on XX/XX/XXXX. I have been told repeatedly that loan forgiveness is not an option. I have also asked if they would take a reduced amount and forgive the balance. I was told that Navient does not engage in this practice. I owe {$5500.00}. In my estimation, Navient has made enough interest on my loans to repay the total amount several times over. I have never been late in paying or missed any payments. Can you help? Thank you for your consideration in this matter.
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland funding held an old XXXX XXXX account was paid XX/XX/2019 I was told it was closed. 

I was promised a clearance letter would be mailed XX/XX/2019 that I never received. 

The account is has been put on my credit report again negatively and now showing it as a charge off. 

Ive attached the payment transactions