davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

This company Credit Management LP is trying to collect an debt and has put it on my credit report and I have disputed it several times. I also asked for a validation to verify they can legally collect this debt. They keep saying XXXX XXXX but I had an account with XXXX. I spoke with XXXX customer rep XXXX on XX/XX/2024 and he stated that they put a ticket in for it to be deleted because I have been in communication with them. I was also told once it was paid that I can start service over again with them. XXXX is a no contract telecommunication so I'm not sure how Credit management got my account or social to even put it on my credit report especially when I have identity theft in place. I do not owe credit management the debt at all. Never opened the account with them and haven't been provided any proof I owe them. They deleted it off my XXXX but its still showing on the XXXX and XXXX I would like it deleted and them to cease all communication and delete my phone number off their account.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Checked my credit report and listed was a collection from PORTFOLIO RECOVERY for XXXX XXXX XXXX stated dispute resolved and inaccurate reporting on my account from PORTFOLIO RECOVERY WHICH I HAVE NEVER EVER DID ANY BUSINESS WITH. When I contacted XXXX XXXX XXXX no one was able to provide any information on this collection. I have NEVER received any information or documents from PORTFOLIO RECOVERY this states it was reported XX/XX/2024. I have no knowledge or ever did any business with this company.
Consumer complaint received 2024-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO Bank, N.A. (OK)

On XX/XX/XXXX Bank of West changed to BMO Bank. Account numbers for my existing XXXX account changed. I was making {$500.00} principal payments through automatic payment method, from my BMO checking account ; dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, an extra payment on XX/XX/XXXX, XX/XX/XXXX and another extra payment on XX/XX/XXXX. According to my records the payment XX/XX/XXXX posted to my XXXX account, and after talking to BMO, Representative XXXX, she was able to refund {$500.00} on XX/XX/XXXX to my BMO checking account. After numerous calls to XXXX, I have gotten no resolve nor explanation of this matter. There is still {$2000.00} owed to me. I have been making interest payments regularly. I have corrected the account number change issue, and making other principal payments. Any help resolving this matter would be greatly appreciated
Consumer complaint received 2023-04-23
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: Valentine and Kebartas, Inc. (OH)

On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citibank was offering a cashback bonus for opening a new account with them, the details of which are no longer on the Citi bank as it has since expired. I have paperwork ( attached ) as it was an in branch offer and am including a link that references it XXXX XXXX XXXX 

Some high level details of the offer and qualifying amounts are included below : " Open a new CitiBusiness ( Analyzed ), Streamlined, or Flexible Checking Account between XX/XX/XXXXXXXX  and XX/XX/XXXX, make a deposit within 30 days of account opening, and maintain your balance for 60 consecutive calendar days '' {$5000.00} {$19000.00} {$300.00} bonus {$20000.00} {$99000.00} {$750.00} bonus {$100000.00} {$190000.00} {$1500.00} bonus $ XXXX {$2000.00} bonus I went into the branch XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX and met with Banker : XXXX XXXX XXXX XX/XX/XXXX to open the account. After completing the required paperwork etc. was informed that the account should be opened in the next few days, that they would call me and let me know when I could pick the debit card up. When I didn't hear back, I went into the branch on XX/XX/XXXX and was informed that the account was actually opened and that they would mail me the credit card. I wanted to ensure I qualified for the new account promo so made a deposit of {$22000.00} on that day ( within 30 days ). 

On XXXX after noticing that my cash bonus had not been deposited, I called Citi and basically got the runaround. The representative started out by telling me that there wasn't a cash bonus offer at that time. I had the paperwork in front of me and proceeded to read out the offer details at which point the rep claimed that it wasn't a legitimate offer as there needed to be an alphanumeric code for the promo ( which there wasn't in the paperwork provided to me on account opening ). I mentioned that the offer was referenced in various articles and blogs and the rep put me on hold for a few minutes and when she came back on the line told me that she had found my offer online. She claimed it was " for a {$100.00} '' and could possibly honor that. 

At this point, the rep had no idea of the amount I had deposited and which bonus I would qualify for. I thought that was odd and mentioned it to her. She proceeded to tell me that while cash bonuses used to be automatic, this was no longer the case due to a large number of new account openings. She also mentioned that when customers call asking for the cash bonuses that these offers are investigated which is how she was going to proceed. 

I called Citi late that day to inquire about the progress of the investigation and the rep had no clue about this and told me that they didn't have my W-9 and that I'd need to go into the bank in person and then only would I maybe get my bonus. I already took the required documents required for opening the account ( Passport, DL, EIN paperwork ) as referenced on their page and don't like that they are giving me the runaround with no solution in sight.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Hello, I was told by two different managers that Apple Goldman Sachs does accept payment from a balance transfer credit card. I had XXXX XXXX send a payment to them two different times. Both times, Apple/Goldman Sachs claim they did not receive the payment. The manager said this is common and they cant do anything about it. First payment was processed by XXXX to Apple in XX/XX/XXXX and then again on XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (PA)

a collection appeared on my credit report from LVNV Funding LLC. I contacted my attorney regarding the issue. He sent them a letter requesting documentation of the debt and received no reply. I have requested information via email and have received no response. 
I reached out to XXXX and disputed the entry which they said the investigated and found it to be valid. I asked what evidence / documentation they received and they advised that they don't do that. Basically they ask the entity that posted the debt if it's correct, they said yes, end of story. 
This has be ongoing for over two years and I can not reach a closure and it's affecting my credit. 
There doesn't seem to be any recourse for the consumer. If LVNV funding can provide documentation of the debt I'll take care of it. If they can not, they need to remove the entry on my credit report.
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Noticed a small collection amount of {$220.00} on my consumer credit profile ( all 3 bureaus ) by Pro Collect for XXXX XXXX XXXX, an address I have never resided at or applied for. Requested itemization or any written documentation in regard to what they are collecting on in XXXX of XXXX, then again in XXXX of XXXX. Both requests went unanswered. 

Contacted Pro Collect again by phone on XX/XX/XXXX at XXXX XXXX , spoke with a representative that stated they can not provide any written documentation as to what is being collected on, and to simply pay the bill in full or we will continue reporting and you will continue to have this on your report. Once again told the representative that I am simply asking for any information on what this debt is before I can make an informed decision on if I should pay or dispute this debt, and that I can not move forward with resolution until i know WHAT this debt is for. Representative continued to repeat that they will not send me anything as to what this debt is, and could be an app fee or something like that. Once again requested for a possible copy of the original collection letter, invoice, or anything of that nature for me to verify what this is, and again, to make an informed decision on best course of action to proceed. Representative stated they weve already validated the debt on our end and we will not send anything or provide further details, because we are not required to. Once again let the rep know that if I was to pay, I simply would like to know what this is for. It is negatively impacting my consumer profile, and I am being cornered into paying a debt that I have not received notice, bill, invoice, or any information regarding this matter. Due to the companys unwillingness or inability to provide proper documentation or chain of command for this debt I fully believe this goes against my consumer rights and request for it to be removed immediately from all three of my credit reportings.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XXXX I was in XXXX Illinois I lost my card dont remember where but I know that was the last day I physically used my card at bar XXXX XXXX an having drinks I noticed XXXX i still was in XXXX il, I didnt have my card I immediately contacted my bank because I noticed my funds was missing from my account my card was used at a XXXX in XXXX il XXXX I was told to go through the dispute process I did so, and on XXXX I was credited my funds I was happy but devastated I missed the holidays with low funds but grateful I was credited my funds back so i thought everything was finished an on XXXX my funds which was XXXX taken away from my account again an I was left in the negative which consists of XXXX
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

After doing a balance transfer with a USAA Credit Card, I began receiving interest charges on payments I had paid before the close of the statement. After several calls, I was informed that although it appears on my statement I have paid off those purchases, the payment was going toward the balance I transferred over. When asked where I could see the balance for which I am getting charged interest, I was informed that all they show is the rolling average but that until I pay the transfer balance, I would be earning interest charges. This led me to ask how a customer can see this " balance that is getting charged interest. '' I was told I could not see it with how their statement reads. The supervisor also informed me that the customer service reps on the front line helping customers would not be able to help a customer understand why they are getting charged interest when it appears the customer is paying on time and as they should avoid interest. She claimed to be submitting a suggestion that USAA began more transparent practices. 
This is predatory banking and needs to stop. There needs to be complete transparency within banking practices and the customers who rely on their communication and support. The USAA institution prides itself on customer care and providing for the families that protect the nation. Their practices prove they are a for-profit business with no care toward clearly calling out their practices to their customers.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I used the AMEX offer and it is advised that if I purchased from XXXX before XX/XX/XXXX, I will receive XXXX XXXX XXXX, rather than XXXX. I made a purchase on XXXX for {$2000.00}, and XXXX put a pending charge on my Platinum card, and AMEX sent me a confirmation email notified me that the XXXX offer has been successfully activated ( see attached email from AMEX ). However, since XXXX shipped the laptop out on XX/XX/XXXX, the actual charge was posted on XX/XX/XXXX. AMEX refused to honor the offer and I only received XXXX point for this purchase. I feel it is a fraud since I made the purchase on time and also received the offer confirmation email from AMEX. I have no control over when XXXX will ship the item out. AMEX should honor what you have promised in the AMEX offer confirmation email I received on XX/XX/XXXX. If I know Amex will not honor the offer, I will use my other credit card which has high return points, since this is not a small purchase.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit score was XXXX in XXXXXXXX XXXX XXXXXXXX. I check it several times each month. When I saw that my credit score had dropped by XXXX points in a matter of days, I was extremely upset. Transunion is responsible for lowering my score. 

On XXXX XX/XX/XXXX, I call Social Security Administration and requested that my monetary benefits be transferred from XXXX  XXXX XXXX to my account at XXXX XXXXXXXX XXXX. Unfortunately, the woman I spoke with could barely speak English and as a result, she transposed one digit of XXXX XXXX routing number. When XX/XX/XXXX arrived, my money was NOT in my XXXX account. 

I then began the tedious process of trying to locate my income. After calling SSA several times ... .several days in a row, I was told that I " had to go to the nearest SSA office, '' which is a 2 hour round trip drive, plus the long hours spent sitting in the SSA office until a worker finally has time to help. The worker clicked a few keys on her computer and said " your money will arrive at your bank within a couple of days. '' It did not arrive. 

SSA finally deposited my income on XXXX XX/XX/XXXX. This was too late for me to make an ontime payment on my VISA. So, my score plummeted through no fault of my own. 

Also, earlier XXXX had offered to increase my credit limit by {$1000.00}. They alreayd knew my credit score, but decided to do a deep dive into, which of course, lowered the score by a few points. 

Social Security is at fault for not hiring people who speak English and transunion is at fault for causing the bottom to fall out of my credit score. 

I will be XXXX XXXX XXXX in a couple of days. During XXXX and XXXX of XXXX, seven members of my family were called home to Heaven. Two of them were age XXXX and died suddenly ; another was my brother, retired XXXX XXXX and XXXX. My sister-in-law XXXX XXXX XXXX XXXX XXXX  died. Another sister-in-law suffered as XXXX and died. Her XXXX XXXX XXXX granddaughter as in the hospital room with her. The giril died hours later.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NY)

Our mortgageincreased to {$1600.00} at the beginning of the year. I made XXXX escrow payments. One on XX/XX/XXXX for {$610.00} and one on XX/XX/XXXX for {$770.00}. Rushmore has not reduced the amount due for our mortgagepayment. Our reduced mortgagepayment should be {$1500.00}. We reached out to customer service on XX/XX/XXXX. We were told to fax over proof that we paid the escrow. We faxed over proof on XX/XX/XXXX We have yet to receive a response. Rushmore does not have a customer service representative to speak to over the phone. Everything is automatic. We reached out a second time on XX/XX/XXXX and got the same response to our original message.
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith & Smith Investors LTD (IA)

XXXX XXXX XXXX XXXX who does my taxes ALWAYS pays themselves what ever they are owed. It is taken out of my refund before they ever let me have a dime. I have not filed my taxes for a couple of years now because I have not worked as I am now XXXX., this is the very first time I am finding out about this bill and I am very irritated that they would do this when they know good and well they always get my refund, and remove what I owe in full and then give me what is left usually on a debit card.
Consumer complaint received 2024-01-30
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America Prepaid Debit card department notified me twice by letter that there was remaining funds in my account. I told them I know longer had this account. I went to the branch to verify the letter was not a scam. The branch ensured me it was real. I called the number listed on the letter and verified myself and my new address so the check could be reissued to my address. Then after going through all verification they refuse to reissue my check to me telling me that I needed to mail copies of my license to them. That is suspicious. Once a customer is verified in the system you don't have to do this for employees.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I got a CareCredit card, in order to save my dog, since she needed XXXX XXXX. Ever since, I've paid more than the minimum payment, and it doesn't seem to be making a dent due to the interest rate and service fees. I think that's ridiculous and I'll never be able to pay off the card.
Consumer complaint received 2020-07-31
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: EQUIFAX, INC. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} XXXX XXXX  XXXX {$800.00} XXXX XXXX XXXX {$29000.00} XXXX    XXXX {$6300.00} XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (WI)

Last year Mr Cooper DBA Nationstar Mortgage threatened to force place insurance on my mortgage even though I had, have always had, and currently have my own insurance policy on the building with mortgage. After repeated attempts ( uploading the policy to their website, faxing the policy to the fax number provided, repeated calls to the their insurance department ), they finally " accepted '' the insurance policy, but then threatened to force place a policy for the year before last, and so I had to do the same with the prior year 's policy. I filed a complaint then with XXXX  XXXX because it is not legal to charge someone for a policy for a time long expired. Now, I received the same threatening letter yesterday for this year. I've been with the same insurance company for years, no change, etc. Predatory practice by lender to force place insurance policy/ escrow on unsuspecting innocent people, class action lawsuit imminent as I do not believe I am alone in this practice by this unethical and annoying lender.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Still working on the issue and closed the last complaint without addressing the issue and within seconds of each other, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (NY)

the car loan was opened without my knowledge. The company is XXXX XXXX XXXXit was opened in XX/XX/XXXX XXXX XXXX. I sent them all information to have it removed immediately.