davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
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. (WI)

Contacted credit card issuer about fraudulent XXXX XXXX  charges five time with no resolution, company now charging late fees and interest on disputed charges. At least three fraudulent charges were made AFTER fraud reported and the card was cancelled, yet CitiBank refuses to reverse them. On at least four contacts Citi representative indicated the charges would be reversed, have two chat logs saved where they indicated they would resolve the fraudulent charges.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

The Company Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WA XXXX. 
Debt is a balance of XXXX $ from which I have no Idea where. 
I have called to have this resolved but they can't speak to me because they can't verify my social security number. The one they have is not mine. I have disputed this through experian twice and Receivable Management validates its my debt. A previous collection company had this debt and removed it immediately when they could not verify me over the phone because the social they have is not mine. The address they have is not mine.The debt is not mine. I have been trying to resolve this for a year. 
I call XXXX and the last rep I spoke to was XXXX XXXX I have called and asked my rights but they can't help me because they can't verify me. I keep getting told I will get a call back from " Quality ''. I never get any communication. Written or Verbal. 
I have communicated by : Certified letter that was refused Emailed them, calling in, and disputing via XXXX Credit Services
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

My credit score decreased due to a " late payment '' on my auto loan. However, in receiving my billing statements, the statement date listed is AFTER the due date listed on the exact same statement. For example, one billing statement has the date listed as XX/XX/2022, yet the DUE DATE shown is XX/XX/2022. Being that the statement generated AFTER the " supposed '' due date, this expected payment can not be presumed to be sent by a specific date between the creditor and the debtor. The expected payment due date is NOT clear nor concise, and a past due payment should NOT be reported to XXXX, XXXX, or XXXX.
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is about Toyota Financial Services. 

I sold a car to a Toyota dealership. I had a remaining balance in an auto loan with Toyota Financial Services ( TFS ). The dealership paid off to TFS right away, but hasn't paid a remaining amount of money to me yet after 2.5 months. The problem is TFS released the lien to California DMV without checking the dealership has paid me.

This might be a general issue with auto financial institutions that customers don't have a way to be saved in the case a dealership ( or a buyer ) refused to pay and a financial institution released a lien to DMV. I can see financial institutions wouldn't care beyond what they are supposed to get paid. But, this puts customers at an unfair situation that they don't have a way to enforce payment from the dealership ( or the buyer ). 

Events - XX/XX/XXXX : Sold a car ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX, XXXX, CA. The dealership ( buyer ) to pay off {$6600.00} to TFS and pay {$6900.00} to me ( seller ). 
- XX/XX/XXXX : TFS released the lien to CA DMV.

- XX/XX/XXXX : 2 months passed. I contacted the dealership to the status. They claim TFS hadn't released the title of the vehicle. ( I haven't checked with TFS if this claim is true. ) - XX/XX/XXXX, and XX/XX/XXXX : I kept contacting the dealership. They kept saying they will check but no status update. 

Either of two happened : ( 1 ) TFS received a full payoff money, but hasn't released the title to the Toyota Dealership. 
( 2 ) TFS released the title to the Toyota Dealership, but the dealership holds the money with no legitimate reason. 

The point of this complaint is about ( 2 ). If ( 2 ) happens, there doesn't seem to have a way to control the bad behavior of a dealership. What I suggest is for financial institutions make sure the promised money actually transferred to the customers ( like in buying a house ).
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (VA)

I sent funds into account with Celsius on XX/XX/2022 in order to pay off my loan. Was having trouble with their app paying it off. Was waiting till Monday to speak with a representative. On XX/XX/XXXX they added the funds I sent over to pay for my loan. Into my my loan. Now they are saying I have to still pay the XXXX to release my funds. I sent money to pay for the loan they took that money and saying I basically have to pay twice this is completely unfair.
Consumer complaint received 2018-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2017, I requested Experian to Block the following accounts per FCRA XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Balance {$7200.00} XXXX acct # XXXX XXXX  Balance {$11000.00} XXXX XXXXXXXX Business Acct # XXXX I provided all required documents per FTC, including an affidavit of identity Theft a signed govt report of Identity Theft and a copy of My credit Report identifying each account. I even had all the documents notarized.

In Experians responses they never answered the primary question ; whether they blocked any of the accounts listed above. Therefore I will ask it again and to prevent Experian from any confusion, narrow this complaint down to just one question. 
Lets make this as simple as possible. 
I want to know and Experian is required to provide me with an answer, did Experian ever block any of the accounts listed above and if so, when did they block those accounts?
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (MS)

On XX/XX/21, I received a notification from my credit monitoring service of a new collection. They name of the collection/debtor is Diversified Adjustment Service. I have never received any written notification from this company. I have no idea who they are or what this debt is about. I know nothing and was never given an opportunity to contact the agency themselves or to dispute it. This is against the law. I have USPS informed delivery and looked back in emails and never has there been a letter from this company addressed to me or anyone at my address. To this day, I have no idea what this debt is in reference to.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

Financial institution offered {$300.00} bonus for new account being opened and meeting condition of 3 consecutive months of {$1500.00} being direct deposited to account. Conditions were met in XX/XX/2018 and payout of bonus is said to occur within 45 days. Bonus has not been paid.
Consumer complaint received 2023-02-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OK)

Since XXXX I have worked with Amerihome to submit all documentation required to show that I am exempt from property taxes due to my 100 % XXXX XXXXXXXX here in the state of Oklahoma. Per XXXX XXXXXXXX XXXX XXXXXXXX, my mortgage payment should be adjusted to reflect the removal of property tax payments and updated to reflect that. When I called today ( XXXX XXXX ) to check on the status and see when the investigation would be complete, I was told no action had been taken. Furthermore, the customer service representative repeatedly derided and interrupted me as I politely tried to explain my situation and request that she look at my account and see if the 100 % XXXX  XXXX paperwork was on file for me. It was also implied that I was lying and that I didn't know what I was talking about when it came to my own military veteran XXXX status. I didn't get any help to resolve this issue and am now left to continue calling to rectify this issue. 
If this is how Amerihome views military veterans, and treats its customers then I would suggest looking elsewhere for a better mortgage company.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (VA)

An account was opened with Barclays fraudulently, and I opened an investigation with the vendor. I received a confirmation letter from Barclays on XXXX XX/XX/2022 and it stated that the fraudulent account would be removed from my credit report within 30 days ; and it was not. Two months later it was still showing on my credit report. I reached out to Barclays about the situation, I was transferred between numerous departments without resolution. A representative informed me that they were unable to update the credit report.

After receiving the fraud confirmation letter ; 3 days later I received a collections letter from barclays.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (VA)

We have been a customer for 12 years and never missed a payment. We received several calls marked as spam, and finally, on XXXX XXXX, we picked up one, and we started saying, please take our name off the list, and the rep said, " this is XXXX  ; you are late on your bill. '' We talked to the rep, paid the entire amount ( ~ {$240.00} ) due on the phone, and even waived the late fee ( {$40.00} ). A few days later, I received an alert from my credit monitoring service saying my account is delinquent, and when I checked, it was the same Macy 's account. So I called Macy 's, and they informed me that I was late for XXXX and XXXX, and yes, the account is paid in full. I told them I never received a paper bill and went to the post office, who reviewed our past 60 days of mail and confirmed that we did not receive anything from Macy 's. The rep then said that we had been signed up for electronic bills. I then searched my email account and found that all Macy 's emails are directed to the junk folder. I believe Macy 's used predatory practices to switch people to electronic billing and deceptive marketing to collect the money without informing the customer that waiving the late fee does not equate to removing the negative reporting. I ended up closing my account with Macy 's and will never buy anything from them. Even though they claim that we signed up for e-billing, I received a bill from Macy 's In XX/XX/2021 of {$2.00}
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had a medical collection that I paid off that was showing on my report. I paid this debt off in the amount of {$110.00}. The debt was then to be removed from my report as it is a medical debt. So far it is still showing as a collection on my report from XXXX XXXX
Consumer complaint received 2018-03-02
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: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX  ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (PA)

I recently viewed my credit report and became very confused and agitated. I looked into it a bit and found that it is absolutely illegal what is happening to me right now! There are 2 accounts that are identical on my credit. DUPLICATE REPORTING IS ILLEGAL. PLEASE HELP ME!
Consumer complaint received 2020-11-23
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: PENTAGON FEDERAL CREDIT UNION (CA)

I found these two charges on my accounts and reported them to PenFed ; First of all they did not process my both of the transaction only one. 

Then they made a decision via a letter without even consulting me for a rebuttal. 

They will ignore me always put me into voice mail or hang up on me and make me call back and wait hours. 

I provided them proof that I never signed up or authorized this XXXX  XXXX  membership and they still refuse to process the refunds to my account. 

I was told by XXXX XXXX that this is not a dispute and I must file a fraud claim and PenFed is not doing so. 

Good Morning XXXX XXXX, I am writing you about your decision declining my disputes ; {$320.00} XXXX/XXXX/2020 {$470.00} XX/XX/2020 From my understanding from others within Penfed you declined my dispute because of documentation you received from XXXX  XXXX  that I signed up for their XXXX  XXXX  membership. Not sure what documentation you were looking at however I received this from XXXX XXXX and think you would agree this has nothing to do with me nor did I authorize this charge on My Penfed card. Please reconsider your decision and let me know the outcome. If I need to dig deeper for you I will. This explains why I knew nothing about this order because it had nothing to do with me. 


Thank you,
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I wrote all 3 Credit Burrows 100 times sent 3 forms of ID and the Credit Burrow Never Responded All The Credit Burrow are making Humane morgue hearts in Nuclear Reactors 100 % Only thing people can do is ask the computer two Send some Nuclear Missle is the only way two Stop the Federal Government Putting are humane morgue hearts in Nuclear Reactors The federal Government hunt me 45 years fore XXXX Hamburgers
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (WA)

In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXX 's XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer and they are not able to tell the reason why I am not qualified.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Compliant is against IC Systems/XXXX # XXXX : XXXX sent me to collections at IC Systems for {$77.00} on XX/XX/XXXX. I haven't had XXXX since XXXX. After disconnecting the service XXXX they continued to auto withdraw roughly {$100.00} a month from our account for almost a year. I've reached out to XXXX over 10 times to get payment back from them ( over {$1000.00} ) with no eval. Now my credit report is showing that they have sent me to collections for {$77.00}. I was never contacted by them for this and do not feel that I owe them anything. I have contacted them to ask for them to retract this from IC systems. I haven't heard back from them to date.
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This is for a XXXX XXXX account that I do not have any knowledge of. I've contacted them on numerous occasions over the years to have this account deleted. I've provided vehicle and address proof in which they could not locate my file. It was placed in 2015 and I provided a list of the vehicles I've owned during that time period. Please help to get this situation resolved.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MN)

Tengo una queja contra la compaa Enhanced Recovery Company recientemente saqu una copia de mi informe de crdito y not que haba un cobro de su agencia en mi informe de crdito. Nunca fui notificada
Consumer complaint received 2018-03-02
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: AMERICAN EXPRESS COMPANY (MI)

I received a promotional letter from American Express to apply for the Delta Gold SkyMiles Credit Card that promised XXXX bonus miles if I spent {$3000.00} within a certain time frame. I opened the account on XX/XX/2018, and spent {$3000.00} right away, and then didn't receive the bonus miles. 
The offer also included a {$50.00} statement credit if I made a XXXX purchase which I did on XX/XX/XXXX. Alas, I received no {$50.00} statement credit from American Express, though I met the terms. 
I printed out the Skymiles XXXX offer which said I had til XX/XX/XXXX to take advantage of this bonus offer, and I applied and was approved for the credit card on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX, and the customer service agent said I might not get the bonus offer because I've had another American Express card in the distant past. However, there is no lifetime language on the offer terms regarding the bonus. 
The customer support person wanted to know what the RSVP code was, but I can't find it since I applied for the card, was approved, I assumed that American Express would honor their promise for the bonus. 
The customer service agent gave me a Case number, XXXX. 
The customer service agent said American Express won't let me know the results of their investigation, and if I call up maybe they'll have results for me, or maybe they won't. And maybe they'll give me the bonus, or maybe they won't. 
So American Express knows I've had a card in the past a few years ago, but they can't find out what my RSVP code was for the letter I received promoting the credit card and the bonus? American Express sent me multiple letters for this Delta Gold Skymiles Credit card with the bonus promotion. I only finally relented in XX/XX/2018 to take advantage of it. How could American Express have this selective information, that would benefit them only?