davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
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: U.S. BANCORP (CA)

I've been with US Bank for several years now and I have establish a business account with them. They offered me a Cash Reward Card which I have since paid off, cut up and no longer will be using the card. However, there is {$21.00} left on the cash reward that the bank is refusing to transfer over to my checking account knowing that I will not be using the card any longer. I didn't ask for a check sent to me, i didn't ask for a gift card to be send to me, I just asked for the {$21.00} to be transferred to my account. Each representative that I speak with tells me that the minimum to withdraw rewards earrings is {$25.00} however, if a person is no longer going to use the credit card, they discarded the credit card, how will the person be able to acquire the remaining {$4.00}?? They will not be, I've the company on several occasions trying to explain my situation to them and they do not care, so I am reaching out to you to see if you can step in and assist. The amount is so minimum, it should be no problem for the company to just transfer the funds ( my money which I earned by using their credit card ) to my checking account. Please assist!
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I submitted a fraudulent claim to Bank of America for cash withdrawals from my checking account on XX/XX/2019. I was credited for the amount of {$6500.00} until the investigation concluded. After 60 days of investigating, the bank came to the conclusion that the transactions werent fraudulent and reversed the credit, leaving my bank account in the negative. I requested for my claim to be reopened and looked over again as I knew who committed this fraud. They agreed and started another investigation, but still stuck with their decision. They claimed that the only way theyd reopen my claim is if I filed a police report or filed a civil suit. I proceeded to sue the person that committed the fraudulent activity and won the case on XX/XX/2019. After reaching out to the bank and sending them my court documents, they refused to accept it and refused to reopen my case, leaving my bank account in their collections department with a balance of {$6300.00}.
Consumer complaint received 2020-03-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (FL)

Good Morning We just did a streamline with XXXX XXXX with Guaranteed rates and the one reason why we did a refi was we didn't like XXXX XXXX and when I contacted XXXX she said they don't deal with XXXX XXXX and my loan would never get transferred to there bank. Now we justgot a letter in the mail last week and guess what we have XXXX XXXX. Also I couldof got a streamline loan with XXXX at that time at a lower rate and less money down and XXXX also knew this too. So this company took advantage of us and made us spend more money to to wind up with the same Lender we had to begin with and don't want!! Is there anything I can do to sue this company? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (NV)

I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

on XX/XX/XXXX i open an account with chase bank at XXXX branch, with XXXX XXXX id # XXXX, when i open my account i opened with a coupon of XXXX $ if u opened with direct deposit on your 45 days, which i comply with the requirements. my direct deposit hit the bank on XX/XX/XXXX. i waited till my 2 or 3 direct deposit and i don't see the funds of the advertising coupon i got when i open the account, well i contact the branch spoke to XXXX and he said manager will call me which he never did i end up going in personal to the branch at XXXX where i open the account spoke to XXXX again, manager is never there or he never return your calls, so on friday XX/XX/XXXX i get to speak to the manager because i continue to call the branch, he comes and tell me unfortunately i don't qualify because i had open an account and because i didn't took the proof of address to the nearest branch they closed the account which XXXX XXXX knew bout it cause when he was opening the new account that pop out so he ask me and he said " don't matter this a new account " i am going to add the coupon because you qualify for it, i said okay, i am very disappointed at this because they make me wait for the longest to then find an excuse to do not pay me the checking account bonus w direct deposit. i also don't agree with this excuses the manager gave me because XXXX XXXX knew about it and never said anything to me, i also spoke to XXXX and he told me he don't understand why they haven't post the funds is coupon is in the system .. THIS IS FALSE ADVERTISING TO GET MORE CLIENTS TO OPEN ACCOUNTS WITH THEM, OFFERING PROMOTIONS THAT THEY NEVER COMPLY WITH. WHY THE LIE TO THE CLIENTS AND WHY THEY LOOK FOR AN EXCUSE SO DO NOT PAY ME THE OFFER, I WOULD LIKE TO GET THE OFFER BECAUSE I DON'T SEE THAT TO BE RIGHT OR FAIR. I'M STILL A NEW CUSTOMER I HAD NEVER HAD AN ACCOUNT WITH THEM BEFORE TILL XX/XX/XXXX
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

I made an {$1100.00} payment to Suntrust credit card at : SUNTRUST CONSUMER LOANS XXXX XXXX XXXX XXXX MD XXXX The payment was authorized on XX/XX/2020, and the money left my account on XX/XX/XXXX. It was delivered via ACH. As of XX/XX/XXXX Suntrust has not posted my account with the payment. I suspect that they hold large payments for a longer time to gain some overnight interest. 

Please help/.
Consumer complaint received 2020-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MI)

I deserved in XX/XX/XXXX that I had two accounts on my credit report from the same collection agency with two different accounts with different amounts. When I called the company I paid off one that I knew was mine and asked the company to provide documents on the second account so that I could verify if the account belongs to me, because I knew for fact it was not mine account.The company never sent me any documents but continue to report this debt to my file .This account was deleted on XX/XX/XXXX off my credit file. On XX/XX/XXXX this company turned around and reported this same collection as a new account, when in fact it's not new and the account is not mines. I understand that I have the right to validated information that is being reported on my file and I have did that, and I ask that you step in on this matter and figure out why they are reporting false information and have them provide poof of documentations for the account they reported. Also on the day of contact with this company they guy was very rude, they had my cell phone number programmed in their phone directory. I asked for documents again and the guy refused to send them to me. By law if this company can not provide documents for debts they place on people '' the collection is to be removed '', which was done. How is this company able to keep reporting collections that are removed due to their lack of documents be placed back on? This company is causing a disturbance to my credit file.
Consumer complaint received 2020-03-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX Called requested to speak with THE ONE AND ONLY DEPARTMENT that can resolve ID theft FRAUD. I have been trying to resolve since XX/XX/XXXX TO NO AVAIL. USAA BLOCKS contact with. Only department that has the power to RESOLVE FRAUD. The USAA reps customer service CAN NOT CONTACT EXECUTIVE RESOLUTION TEAM to relay my issues. This department REQUIRES DEEP SECURITY WITH TEXT VERIFICATION CODES MY XXXX  XXXX  CAN NOT DO. I must have a stranger or a neighbor I find outside that HAS NOT LEFT FOR WORK YET pay them to write down text codes so I can get verified. THIS ONE ONLY DEPARTMENT IS NOT OPEN WHEN OTHER PEOPLE NOT AT WORK. ( ** ALL USAA DEPARTMENTS NEED TO T A L K ... .. to .... EACH OTHER. ) USAA PLAYS CONSUMERS BLOCKING CORRECT DEPARTMENT RESOLVE. I have relived IDTheft to reps THAT HAVE NO POWER and who do not send my message to the department for 2 years now XXXX  XXXX  and XXXX  XXXX XXXX. PLEASE USAA STOP THIS UNFAIR BUSINESS PRACTICE TO SAVE PROFIT DENYING. FRAUD CLAIMS with No Contact to ONE ONLY DEPATMENT OF RESOLVE. SPEAKING TO THE ONLY USAA REP AVAILABLE SHOULD BE SUFFICENT TO. HASSELFREE RESOLVE OF FRAUD.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I have tried multiple times on each day from XX/XX/XXXX through today, XX/XX/2020 to lift the security freeze on my Equifax account so that a mortgage company can run my credit report. I have tried Equifax 's online feature and it's telephone feature and each time I receive a message that they are unable to complete my request at this time ( online ) or are unable to verify my identity even though all information was provided correctly and the text code they sent was reentered for them correctly. I managed to get a live person on the phone once on XX/XX/XXXX who basically told me tough beans, the system is down, try later. I asked if there was any other way to get it lifted and the rep said no, try in a few hours online. Other than that one time, every number I have called has put me into the automated telephone feature loop with no way to get out ( such as by hitting " 0 ).
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

I recorded the conversation of chat between citibank and me for the one transaction to cancel the dispute and made two or three phone calls to cancel the dispute. But they are are not doing it. I am USA citizen  and staying in XXXX as per doctor instruction being a native of that country. I transfer my saving and pension money every month and had a problem this month.
Consumer complaint received 2020-03-02
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. (GA)

ftc violations https : XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations
Consumer complaint received 2020-03-01
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: SYNCHRONY FINANCIAL (TX)

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To SYNCB/CARECR XXXX. XXXX XXXX XXXX, FL XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX a high credit of XXXX and XXXX  high credit as XXXX, and XXXX  as deleted. First, you can not report different credit limit amount between credit bureaus. Second, you can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, original company must have an original contract on file bearing the signature and can not use third party information to collect a debt. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. In addition, XXXX  have already deleted this account from my report as it was found inaccurate. 

Delete this account from my credit report immediately, or I will seek legal action.
Consumer complaint received 2020-03-01
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: EQUIFAX, INC. (TX)

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect
Consumer complaint received 2020-03-01
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: EQUIFAX, INC. (TX)

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX reporting high credit as XXXX, XXXX  is reporting high credit as XX/XX/XXXX, and Equifax is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, XXXX  reporting last payment as XX/XX/XXXX, and Equifax reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (PA)

I have disputed this debt multiple times with professional Debt, and I have received nothing in the mail at all from them. They have continued to report to my credit despite my many attempts to contact them and dispute the debt. I do not know if they even exist at this point! Please help me!
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MIDWEST BANCORP, INC. (IL)

i opened a checking account with First Midwest Bank under a promo where i would receive {$250.00} if i followed through with several requirements. This included 10 debit card transactions, XXXX deposit, e-statements, and mobile banking. 

After contacting them several times about the details of the bonus requirements and if i had satisfied them, they are now refusing to pay out bonus because according to them - i didn't sign up for e-statements. I don't agree with this statement from them. When i finally was able to login online, i went into their system and selected online statements for the checking account. Their website timed out several times doing this, but i finally got to a screen where it worked. For some reason, my e-statement selection must not have stuck, but they told me i didn't fulfill this requirement. 

I am alleging that something reset or didn't hold on their website 's end, and they are not refusing to pay out bonus because of an error on their part. 

In addition, a few weeks after i opened the account, i got a letter in the mail saying i was signed up for overdraft protection. I remember opening the acct and not selecting overdraft, but they then went ahead and signed me up for this even though i opted out of this service. 

I had planned to use this account and switch over all of our household accts. After getting some less than reasonable service i wanted to wait until bonus paid now. Now, i am very disappointed about them denying this bonus due to a problem on their end.
Consumer complaint received 2020-03-02
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: Nelnet, Inc. (TX)

NelNet Loan Services are putting inaccurate and non certified information on my credit report that does not belong to me. Balance XXXX. Date Claimed Open XX/XX/2008. They are still reporting to the credit bureau. Balance XXXX Date Claim Opened XX/XX/2008. They are doing illegal practices and are unethical.