davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Well, here I go again to dispute Citibank-XXXX responses from their Reps which are being attached hereto. Case # XXXX After thorough investigations and numerous phone calls to XXXX XXXX XXXX and talking to different liars, it was found that after the fact that there was a valid and legal settlement about my debt with XXXX thru these people XXXX XXXX XXXX the account was sent back to Citibank. 
It looks like when XXXX saw what was the settlement amount ( fair to me ) they decided to retrieve this account from the collection Agency when ( according to their version ) the first payment had been processed. This is very irregular and non-honest procedure and what is more aggravating ; they allege that the second and third payments were never processed. 
I made 3 payments and have submitted 3 payment confirmation issued by this XXXX XXXX XXXX in accordance with the terms of our agreement and can not accept as valid Citibank-XXXX statement saying that there is no proof of payment for the second and third payments. 
I have received 2 letters from Citibank-XXXX officers with unsustainable arguments and I take exception of Citibank-XXXX arguments and furthermore I empower my right to object this procedure and demand from XXXX to respect the agreement with XXXX XXXX XXXX and basically to provide a full history about this account. 
Now XXXX XXXX XXXX need to get involved and explain from their side what really happened and what they did with my moneys after they issued 3 Payment Confirmation No need to stress the fact that this issue has been affecting badly my credit records and because of this I have been unable to do business, now three years.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC (FL)

I temporarily relocated to a new area, but I rented my house to a tenant. I did not see a need for continuing services for a home alarm since the new tenant did not have any interest in having nor paying for it. I called the center ( XXXX ) and indicated so. I was forwarded documents to signed, and the gentleman I spoke to indicated he would send me additional documents to look at and sign them if decided to continue services at a lower premium; said documents were never received by me. I'm truly baffled to find out there is an existing debt or account when no one attempted to get in touch with me nor even visited my house in order to reconnect/connect the services said company claims I own them money for. In the meantime said company is hurting my credit for a meager amount, which I will not pay based on principle. Please advise what are my options, I'm willing to pay even more to an attorney, but not XXXX because its claim is both invalid and without substance. In conclusion, I believe this is a frivolous claim by MOUNTAIN RUN SOLUTIONS on behalf of XXXX, a ridiculous attempt to survive in this new era where alarm systems are being replace by other available means.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

I made a transfer with American Express serve of {$1700.00} to pay off XXXX  XXXX credit card they said they paid the bill XX/XX/XXXX no XX/XX/XXXX with transaction ID number XXXX XXXX XXXX I let them know XXXX  XXXX did not receive the payment and they said they would look into it XXXX came up they said they did not cash it and they would they were credit my account they never did anything two weeks later I call them up about it they said that XXXX XXXX received the payment I let them know that they did not receive the payment so they disputed it again and then next time in XXXX it came back and told me that stew that's been settled and that they would not refund my money because XXXX  XXXX that already cashed it I called him up two more times which they said they would send me paperwork on how they settled the dispute never got anything the next week call about a total six times I would only get so far with their system and then they would tell me they're going to call their manager phone will always hang up I've been trying for 3 months to get my {$1700.00} back and they will not talk to me again
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

American Express offers a " pay over time '' option to their business credit card customers. This offer appears in several locations on my account page & billing area. The link describes the service and states that you must call the number on the back of the credit card to enroll. I have called several times during the year to enroll and was told that it was by invitation only and there was certain criteria that must be met to be enrolled or invited to enroll. I asked for the criteria and was told by a manager ( XXXX ID # XXXX ) that she did not know the criteria and " they '' set the criteria. I asked who " they '' were. XXXX could not provide me a department or a answer to who set the guidelines and what the guidelines were. I stated to XXXX that I had been a account holder for over 30 years, carried and have paid balances on time as high as $ XXXX. What more could the qualifications be? XXXX could not provide a answer. I stated to XXXX that I felt that I was being discriminated against and was concerned that no one could provide the qualifications or criteria that had to be met in order to be enrolled in the " pay over time option ''. The service is advertised as being a feature that could assist business owners and as a business owner I could benefit from the service. XXXX was very aware that I had complained about this before because it was in my profile. She stated that it would take 2-3 weeks or more for someone to contact me. I stated that I had complained before and never received a call back. I stated to XXXX that it was unacceptable to have a service that could benefit business owners but not have the criteria or qualifications that had to be met or no one that you could speak to about the qualifications and told it was THEY who made the decisions without stating who THEY were. I believe that American Express is deciding who to offer this service to based on race or other discriminating factors. It is unacceptable to offer a service such as this that can obviously be beneficial to a business owner but not provide any qualifications or criteria whatsoever which allows them to choose who ever they want to choose. I believe this is a very serious problem that needs to be investigated, American Express should be forced to provide the qualifications required to enroll in this service and provide that information on their website for everyone to see and not leave the approval up to a group or department that has no transparency.
Consumer complaint received 2018-04-27
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. (CA)

I have mail off many certify to correct this issue with Experian ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing derogatory. 
I challenge the accuracy, compliance and report ability of this listing. 
Please validate this information with above listed accounts and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2015-10-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

Over the past few months, Chase Bank has been in the practice of charging me insufficient funds fee over charges to my debit card and selected ACH transactions. At most times, the fees charged are over the amount disbursed by Chase Bank. I requested for a way out of the incessant charges and I was advised to choose the option that the bank would not honor any charge to my account if there are no sufficient funds to cover the transaction. This option was chosen between XXXX and XXXX 2015. ( Ca n't remember the specifics ) On the XXXX XXXX 2015, I saw XXXX charges of {$34.00} each for XXXX transactions of {$10.00} and {$6.00} each. I called the bank to have them reverse the charges on the basis that:1. I have chosen the option they offered to me not have any charge honored if there is no sufficient funds to cover it. 
2. As at the time I made those transactions, my account was in credit. 
I contacted the bank and they declined to reverse the charges, instead they went ahead to add another {$15.00} charge as extended overdraft fee. 
.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (TN)

I called card.com to find out where my money went because I checked my account in the mobile app and apparently someone had stolen my card On XX/XX/XXXX someone went to the XXXX XXXX # XXXX on XXXX XXXX XXXX and used the ATM to make 2 withdrawals from my account in the amounts of {$300.00} and {$400.00}. I didn't authorize these transactions. They filed a dispute and told me that if they hadn't reached a decision by the XX/XX/XXXX that money would be back on a new card they had sent. I kept calling to check on the status of my claim and to ask why I hadn't received my new card. They informed me that I had to upload copies of my driver 's license and address verification and I did so. I waited for a couple days and still hadn't heard from them so I again called back to be informed of the denial to give me my money back and I wanted to know why and I let them know that it's purely a case of them taking my money. I want my money back because I didn't authorize anyone else to use my card. How is it ok for them to just take my money.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (WI)

On XX/XX/2018 I went to a store in XXXX, there I made two purchases ( approximately {$160.00} and approximately {$240.00}, depending on the exchange rate ). The merchant took my card behind the counter and did something but then she claimed that the machine, which would print a receipt I was to sign was not working. She gave me two scraps of paper to sign which seemed very strange. Later when the charges appeared on my statement I saw that I was charged {$570.00} and {$680.00}. Naturally I disputed the charges and my bank gave me a temporary credits of {$410.00} and {$440.00}. These credits were later reversed when the merchant sent two fraudulent receipts, with forged signatures that look nothing like mine. There are also itemized containing things I never purchased. And these are also signed with a forged signature.I sent a rebuttal of the reversed charges and filed a police report here in the USA, but the bank refused to recredit me with the funds that were stolen.
Consumer complaint received 2019-03-25
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-07-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (NJ)

My payment is due on the XXXX and I made my payment over the weekend as scheduled. Then I got an alert on my credit report that my payment was late. I was not 30 days late because I made my payment before the XXXX, I just think because of the weekend, that it did n't post on time.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed up for a free credit report on TransUnion.com However, during the sign-up process, the company asks me to give them my credit card number. I thought this is for them to obtain my credit reports. I didn't know Transunion was being deceiving and silently enrolled me in a monthly recurring {$21.00} subscription. 
Furthermore, there is no option on the website to get out of the subscription. The number they provide is constantly on hold and have no way to talk to a support contact.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (AL)

I had an appointment with XXXX Hospital XXXX XXXX XXXX in early XX/XX/2018 for a consultation. 

A XXXX and XXXX was scheduled at XXXX Hospital on XXXX/XXXX/2018 with XXXX , XXXX XXXX performing the procedure. 

I was a recipient of Alabama XXXX at the time. 

Alabama XXXX denied payment to XXXX XXXX of XXXX Hospital XXXX XXXX XXXX, due to his failure to solicit and receive Prior Authorization. XXXX XXXX billed Alabama XXXX {$1000.00} for his services. 

Other medical providers i.e. XXXX Hospital XXXX, the pathologist, the anesthesiologist, and the XXXX were paid by Alabama XXXX. 

XXXX XXXX 's failure to receive prior authorization was the sole reason for denial, due to their error. Now they're trying to collect a debt for an error they caused. 

XXXX Hospital XXXX XXXX XXXX sent the debt to Franklin Collection Service, XXXX, MS . They're calling me trying to collect a debt caused by the irresponsibility of the medical provider. 

I mailed a written complaint to the doctor 's office. No response was received. I even called and offered to pay to debt, at the same amount Alabama XXXX would've paid, if they removed the debt from my credit reports. No acceptance. 

The {$1000.00} debt is on all of my credit reports. I want the debt removed from all credit reports. 

Once again, Alabama XXXX Agency told me the reason why they didn't pay XXXX XXXX ... he or his staff failed to request and receive prior authorization before the procedure. They had one month to do this, and failed to do so. 

Please assist in requiring the debt collection agency to remove the debt from my credit reports and for the doctor to cancel the debt.
Consumer complaint received 2018-04-27
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: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXX, I used two different credit cards at check out to pay for my room and the room for the Fire Captain assigned to escort my husband 's body back to the U.S. When I checked online banking records on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX had used card XXXX for both rooms while also using the correct second card XXXX for the Captain 's room. I filed an online dispute with Navy Federal on XX/XX/XXXX. After providing NFCU with multiple proofs of the duplicate charge ( the separate folio payment records from the hotel ), NFCU sent me a letter dated XX/XX/XXXX that advised they found no error and they were recharging the account. Included with the letter was proof that the second card ending in XXXX had indeed been charged for the second room. Despite this, NFCU posted a THIRD charge to card XXXX. I have attached a screenshot of all transactions concerning the XXXX XXXX on card XXXX showing the three room charges for transactions on XX/XX/XXXX ( check-out from the two rooms ) with two posted on XX/XX/XXXX and one posted on XX/XX/XXXX. ( Please disregard the smaller charge of XXXX. This was for drycleaning. ) Therefore, Navy Federal refuses to acknowledge that they have now facilitated/honored FOUR charges to the XXXX XXXX for the two room charges on XX/XX/XXXX : three on card XXXX and one on card XXXX. By the hotel 's own legal VAT invoices ( attached ) for these overnight stays, only two charges are legitimate.
Consumer complaint received 2021-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

For the last 6 months the company has made it so difficult to consolidate my loans. When I XXXX  college on XX/XX/2021 I was told to wait about 30 days to have my loans be removed from an " XXXX '' status on FedLoan. I waited that period and submitted a consolidate application on the FAFSA webiste and called about a month later. I was told by an agent that I was forced to stay on a " Forbearance '' status due to the pandemic. The agent also said I would have to wait until next year in XXXX to be able to resubmit another application. I fault that was a lie because not every single person was affected by the pandemic and we all should not be forced into a Forbearance status if it was not needed. So I called a month later in XX/XX/2021 and got another agent who stated that the agent was misleading and I could opt out of forbearance so I can submit my consolidation request. However, I was not able to because the system on FAFSA was showing that I still had a pending consolidation that was submitted back in XXXX. I was unable to create another one so the agent said he would do it manually and that I would need to call back. so sometime in XXXX I called and the customer rep told me that she sees my appliation and that she would transfer my call to consolidations, the wait was so long that I hung up, I felt like things were going correctly finally but today I called and the consolidation department told me that there was no such application and that I missed the 180 day deadline to get my application in. Finally I requested a manager and asked if they could review the last 4 calls on my account to see that I have been mislead and lied to about consolidating my loans. It seems as if the company is trying so hard to now allow me to do that. At the moment its impossible for me get a consolidation now because as of XX/XX/2021 I am now in an " XXXX '' status. I know how this company operates and its just so unbelievable how this is happening to my account. I have submitted proof of XXXX and it showing on there but my PSLF is still pending as well. I think there is a bigger issue at hand and some corruption that needs to be investigated. If you could just hear the last 4 calls on my account you can see that this company is refusing to do its job.
Consumer complaint received 2018-04-12
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)

I seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I recently made a complaint against Experian. Now they have added a 7 year fraud alert without my permission. They have denied XXXX XXXX XXXX XXXX and their screening company the ability to do a background Check on me by not lifting fraud alert so that Credit Check and back ground check can be performed. Please contact XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, application number in first attempt XXXX, attempt second time application number is XXXX. Urgent response needed. I spoke with XXXX in Fraud alert for Experian Dept special Services on XXXX at XXXX XXXX. XXXX assured me she would take care of lifting the fraud alert so that verification for XXXX XXXX XXXX XXXX locates on XXXX XXXX XXXX VA could perform back ground check. XXXX has not taken of the matter as of yet. Please assist Urgent!!!! Response needed!