davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (IN)

Ma'am or sir I can not explain to you for the third time what has happened or what companies I am being discriminated against because I have social security XXXX income I also have HUD which is urban and Housing Development I'm trying to get custody of my granddaughter and I'm trying to move I'm trying to get a automobile financed I'm trying every company I think that is on the internet and the last 2 months so all you have to do is look at every single company I was given the wrong advice by XXXX XXXX   and by XXXX XXXX XXXX telling me to keep trying and fill out as many at the patient 's you can a day. Well that has given me about a XXXX XXXX trees no one has approved me and if they have texted me and said you're pre-approved to me that's unprofessional and scares me. I have been scammed by the US Treasury Department supposably and XXXX XXXX guy called I mean you could have of won an Emmy because he was so believable I actually tried to open up a bank account and download the mobile app so that he could transfer XXXX now when I say it or voice text it in this I just want to XXXX XXXX XXXX XXXX XXXX like this is caused me to have major major major insecurity issues about my XXXX it has caused me to be XXXX years old and have nothing and no chance I feel like I have no chance I don't even want to respond to the pre-approved things because just the other night I was pre-approved for that XXXX XXXX and I paid a {$39.00} down payment which honestly I don't know why they approved me and then I got a email two minutes later saying that that {$39.00} was non-refundable and that they can not approve me because I got a card from them or was trying to get a card from them in the last 30 days which makes no sense why did they send me an email and tell me to fill out their application! People are discriminating against me because I have social security income. I'm also trying to claim my granddaughter and I'm having problems because someone in the family snuck and claimed her without the mother 's consent I have the mother 's consent and I have mail so that would have given me a large bank account which I could have paid back any loan right then and there nobody wanted to prove me for a XXXX not even XXXX. I am going to take this as far as I can go I'm going to get a lawyer and I'm going to do something about this it is nothing but discrimination I pay {$150.00} a month in rent what else do they expect a person to have. And if I find out it's from the XXXX increase I'm going to sue every single company that looked at my report and then denied me for no freaking reason discrimination, discrimination, discrimination
Consumer complaint received 2018-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called TransUnion and XXXX on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. TransUnion refuse to help or remove anything. TransUnion told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. XXXX let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with XXXX  and XXXX. TransUnion refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to TransUnion as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.
Consumer complaint received 2018-03-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STATE FARM BANK, FSB (GA)

I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by State Farm insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, State Farm is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that State Farm is responsible for my claim. I am not responsible for this balance because payment was made to XXXX  from subrogation of State Farm. The damages handle between the two parties was based of the information submitted by me to XXXX
Consumer complaint received 2018-03-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: EOS Holdings, Inc. (CA)

I went to the ER in XXXX XXXX, thinking my XXXX was XXXX. This was XX/XX/XXXX. I was told that I would not be able to be XXXX XXXX anymore. Long story short, I finally got Medi-cal in XX/XX/XXXX. I have been under the same doctor 's care since XX/XX/XXXX and after being given XXXX XXXX at the ER without insurance and another ER visit months later due to a XXXX XXXX XXXX XXXX, I guess these bills that I could never afford, I though we're paid by MediCal because I filled out the form I was told to contact any hospital, doctor or any other medical service and they would pay it. I never heard back and thought it was taken care of. I did  not get approved for XXXX until XX/XX/XXXXand was given XXXX back pay and only 600+, $ a month leaving me unable to work, pay back my adult sons and every one else who had supported me back for all the burden they went through. I can't afford to pay all the money plus interest on these huge medical bills. I could pay XXXX $ a month but the interest is almost as much as the principle. Now, I am XXXX XXXX XXXX and need more XXXX on my XXXX XXXX and have an XXXX caregiver that helps me for 70 ish hours a month. I need to move out of the RV I rent but I don't know how to get a loan so I can get an easier place to stay and help me to be able to have a XXXX   friendly room for rent or a way to not feel like a prisoner of my own body. I am sorry but do not know what to do.
Consumer complaint received 2018-03-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Presto Auto Loans, Inc. (AZ)

I obtained a title loan on a vehicle dated XX/XX/XXXX. Since that time I lost my job and fell behind on payments. I received a letter from the loan company on XX/XX/XXXX telling me that I had defaulted on the loan and demanding I give the vehicle to them or I would be criminally and civilly prosecuted and face 2 years in prison and {$150000.00} fine. 
A few minutes later an elderly family friend of mine called me hysterically and read to me a letter she had just received in the mail and opened and to my shock and horror it was the same letter they had mailed me. This letter was addressed to both her and me on the envelope. She was simply listed as a reference when I applied for the loan. At no time did I give have never given ANY type of permission to discuss this debt with any third party. I have never even been to the state where my elderly friend lives and have certainly never received mail there. The loan company has a good mailing address for me as well as a good contact phone #. This letter received by my friend gave my account #, Delinquency, dates of loan, all info about the loan, and threats of prosecution of myself. She does not understand why they sent this to her and believes they are coming after her for the loan and that she is somehow involved. She is extremely upset and my life has been in turmoil since this happened since now my entire circle of friends and family know all of this and some even believe that I actually did try and involve her since it is so outrageous that the loan company would send her a letter like this.
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo consumer checking account inXX/XX/XXXX( my first one ) to receive the bonus offer of " $ XXXX of direct deposits for three consecutive months will qualify for a {$300.00} bonus within 45 days of meeting the qualifications. I met the qualifications in the beginning of XX/XX/XXXX( direct deposits were in XXXX,XX/XX/XXXX and XX/XX/XXXX ) and 45 days later had still not received my bonus. I have tried to resolve this for 3 months since meeting my bonus and there is no resolution. They are not honoring their advertised promotion.
Consumer complaint received 2018-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC (NJ)

I co signed a XXXX XXXX from XXXX XXXXs, XXXX in XXXX XXXX, NJ and XXXX quickly change the name of the company to pay back to University XXXX XXXX. My son owed {$10000.00} and they were demanding {$150.00} per month. I co signed the loan and I was trying to pay them {$50.00} per month. Now I found out the balance owed as dropped to {$3400.00} and they are still demanding {$150.00} per month. I can not afford this and I have a print out from CFPB stating " The CFPB is seeking relief for private student loan borrowers who took out Loans after XX/XX/XXXX '' My son went to XXXX in XXXX and never received all the services he was promised. He was ignored when we tried to contact them. Is there any way we can not pay this back? If the settlement allowed Federal loan relief why not also private student loan relief as well? That is not fair!
Consumer complaint received 2018-02-08
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 (CO)

On XX/XX/XXXX, XXXX XXXX XXXX responded to my complaint XXXX saying they would send a new gift card and also credit {$25.00} to 'your card '. I have not seen a replacement card or a credit to any of my cards.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

I had 2 credit cards from CitiBank - A Thank You Preferred Card Opened in XX/XX/XXXX and a AAdvantage Platinum Personal Card opened in XX/XX/XXXX. 
Both of the accounts were in good standing with no payment delays. 

On XX/XX/XXXX, Citi closed both of my accounts without informing me about the cause or giving any notice whatsoever. Calling customer care was of no help. 

The card opened in XX/XX/XXXX was my oldest active card and the 1st credit card I had received after I came to US. As such, closing this card will have material impact on my credit score, which I have been trying to build over the last 20 months in this country. 
All my points associated with the cards are gone too!
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.
Consumer complaint received 2018-05-23
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: CITIBANK, N.A. (MD)

There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

SEARS/CBNA made three erroneous updates on XXXX report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 SEARS/CBNA went on XXXX   looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.
Consumer complaint received 2018-03-21
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: JPMORGAN CHASE & CO. (CA)

There was an error with auto pay that caused the payment to be late. After having this card for over 3+ years and never having a late payment the reps were not willing to go the extra mile to get this issue resolved. For some reason, the same account that I have always used came back as invalid acct number and they do not consider this a bank error so therefore, my account history and loyalty meant absolutely nothing and based on protocol no one was willing to see what could be done instead the result was always what they could not do. 

XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: STERLING JEWELERS, INC. (IN)

Back in XX/XX/XXXX, I made a complaint with the BBB regarding the company XXXX XXXX XXXX XXXX that recently took over the billing for XXXX XXXX back in XX/XX/2017. The account is in my husband 's name, which the account is an XXXX account since he is in the military and the payment amount changed to {$48.00}. For whatever reason, XXXX can't seem to get it correct. They call our home, literally starting at XXXX to XXXX, over XXXX 's a day. Once I speak with them, which they are allowed to discuss the account with me, they state the account is {$740.00} past due. We have been going back and forth with this company not being able to get this account correct since they took over the billing in XX/XX/XXXX. Here we are 4 months later, with my husband 's credit taking a hard hit because XXXX can not get their billing together. I am tired of them calling my home everyday all day with the wrong information. Even if we paid the correct amount that is due, with their system not corrected it will still show the account past due. We need this fixed and calls STOPPED! The apologies are starting to wear thin.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a 2 month deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We were told our credit limit would be raised from {$8100.00} to {$11000.00}. It has not been applied as of today. Consequently, we would not have been assessed a Citi {$61.00} fee on XX/XX/XXXX. 

Additionally, the {$75.00} fees for the cash advances were to be waived due to our extensive Hurricane Irma damage we sustained and is ongoing as well as the {$37.00} Interest Standard Adv XX/XX/XXXX fee. 

Total fees that were to be waived : {$170.00}. 

Thank you. 

XXXX XXXX
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I disputed a charge on my account that was from a clinic that is running a scam. 
The bank denied my claim without proper research or efforts, because the clinic provided receipts that had " all sales are final ''. 

I filed the charge back claim with the bank for the reason " 53-not as described or defective merchandise ''. 

I gave the bank all that I could with my knowledge of such matters to include : a statement from a witness that showed that I was in pain from the " test injection '' and the drug was not as described nor suitable, print outs of claims and descriptions made about the services I was sold, and an email from the clinic that showed that I had not even received any of the treatments or drugs from them. 

I also provided links to direct them to articles that showed in detail the type of scam these clinics are running. These types of clinics have been prosecuted in other states for doing the exact same thing that was done to me. And there are many articles about it. 

I do not believe the bank is honoring the consumer protections that are common to XXXX debit card holders. I do not believe that they did any research to see that the clinic was indeed fraudulent, deceptive, and that the product was not as advertised. 

They denied my claim because they did not want to make an effort to research the incident. 

Furthermore, I had called several times getting different directions from each person I had talked to. I had made efforts to get documents faxed over to them. They never responded to my faxes and I kept having to call to find out what actions they were taking. 

After hours of time and several phone calls, I finally talked to a manager that kept saying that it did not matter how long I talked he wasn't going to do anything.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2018-02-08
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: EQUIFAX, INC. (TX)

Last year I only had 3 inquiries. Now this past week I had over 32 inquiries reported to my credit report with two accounts that were deleted from credit report more than 2 years ago.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Sir/Ma'am, On XX/XX/XXXX and XX/XX/XXXX an unauthorized person went into one of Chase Bank 's branch located in XXXX XXXX , Texas and withdrew {$5000.00} from my checking account. 

1. At time of theft I never lost my chase Debit, hence I was using my card to make purchase not knowing that someone got into my account. 
2. I realized that my account was being compromised on XX/XX/XXXX,  then I informed chase bank. 
3. I informed the XXXX XXXX Police Department immediately and investigated started. 
The police investigation revealed that a lady went into the bank 's ATM and withdrew money from my checking on both occasions ... as captured by Chase bank camera. 
4. The bank failed to call/text me on both transaction during theft. When I asked a chase representative why I was not informed before releasing such a huge amount of money to a theft, the representative told me it was a technical error. 
5. I contacted the chase executive office repeatedly to review my claim and make refunds for the {$5000.00} chase told me since it is a chip-on-trip transaction by the thief, I might have given my card for someone to use for this transaction. 
6. The XXXX  Police Officer that worked on this case during investigation told chase executive office that staffs from within chase bank compromised my account based on her evidence. 
7. According to Police Investigation, transactions I carried out during the time of theft showed that I could not have been at 2 locations at the same time. 
8. It has been almost 90 days since the incidence took place and Chase Bank can not come up with one logical reason why they denied my claim. 
9. I am a XXXX veteran, rely heavenly on that XXXX check for my upkeep and family. If I had sufficient funds I might have taken this matter up legally. 
Please see the attachment below for full details.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: KINGS CREDIT SERVICES (CA)

In XX/XX/XXXX I received a lawsuit from Kings credit services for the amount of {$880.00} for a medical bill from the provider in XXXX of XXXX. My insurance was provided at time of visit and other bills ( hospital and radiology ) were paid. 
Kings credit services never informed me that this bill was never submitted to my insurance. They stated it needed to be paid by me and I never provided my insurance to the hospital. My insurance investigated this and was informed by the hospital I had a zero balance. In XX/XX/XXXX a judgement of default was placed against me for the amount of {$1100.00} from Kings Credit Services, they added interest. I was informed on XX/XX/XXXX from the Collection agency that they cant wait for XXXX to pay the bill even though the provider never billed my insurance because they placed a judgement against me and they are threatening to garnish my wages.