davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (CA)

Receiving service charges in all my accts when we didnt have them, would this be considered truly easier transitions? This fee will automatically be waived if any individual associated with your account is 65 years or older. You will no longer be sent statements for CDs Age more than XXXX and all our accts none are CDs, truly wonder why the service charges? When no images included. The account types chosen for me in its transition may vary to the wrong type of accts for our acct needs. We had acct statements and check images. Now no images are included without bmo taking {$3.00} image fees or statement fees. It is not honoring the accts we had before BMO purchased our previous bank, Bofthe West as it had promised in their communications before their acquisitions. An earlier comment concerning this likely was removed by Bmo, BoftheW, or? With images showing the concerns so, now no images included so, the messages are gotten across without it being removed ; wasting clients time, communicating again and again, lost count, the concerns already shared during the prior days still with no amends for all the time bmo wasted clients ' time, calling them, speaking to its unfortunate workers how ever many times. Our accts fees were not automatically waived as promised in its communications with us with us calling on every statements that came, now missing tge images, only statements, again, which was not how we had our accts prior to Bmo, the concerns are all still with out any full resolve truly
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MO)

I have a revolving credit card with Citibank. I have had an account there since XX/XX/XXXX. The maximum limit on that account is XXXX. The current balance is {$12000.00}. I used it to travel with a year ago and I have been paying it off monthly. I am not using it until I pay off the balance and I have not missed a payment, in fact I usually pay more than the minimum required payment. As of XX/XX/XXXX I received notice that my interest rate had been increased from 18 % to a punitive 29 %. I have never had a late payment and there is no reason for them to jack up the interest rate to a punitive level.
Consumer complaint received 2015-06-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Total Card, Inc. (PA)

Collection agency has repeatedly contacted me and third parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.
Consumer complaint received 2016-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (CA)

This is a complaint against SCA Collections in XXXX, N.C. ( Tel : XXXX, which keeps sending me demand letters for an alleged " debt '' for a biopsy ordered by XXXX XXXX XXXX and his Billing Office at XXXX, CA, Tel : XXXX. I had seen XXXX XXXX for decades, without incident until a few years ago, when I was a XXXX at the University XXXX. I got bills, allegedly for " unpaid '' services. I brought this to the attention of XXXX XXXX. The bills persisted. XXXX XXXX, however, claimed my balance was " XXXX. '' On XXXX XXXX, 2015, I saw XXXX XXXX, who ordered XXXX in XXXX XXXX. ALTHOUGH I NEVER RECEIVED A BILL ( {$200.00} ) FOR THIS XXXX, AND ALTHOUGH I HAD FREQUENTLY PROVIDED -- in person -- XXXX XXXX AND HIS BILLING OFFICE WITH MY CURRENT MEDICARE NUMBER AND XXXX XXXX XXXX NUMBER, XXXX OFFICE PROVIDED XXXX, XXXX, WITH INCORRECT HEALTH INSURANCE INFORMATION. THIS HAS LED TO SIGNIFICANT PROBLEMS REGARDING MY CREDIT RATING!!! 

In XXXX I received an " IMPORTANT NOTICE '' from SCA Collections. 
It states : " You must contact this office to discuss PAYMENT IN FULL of this obligation. PAYMENT IN FULL WILL PREVENT FURTHER COLLECTION ACTIVITY YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. '' In fact, SCA already reported my alleged non-payment of this obligation to the XXXX XXXX XXXX XXXX. This credit agency then issued an erroneous credit report, based on the ( mis- ) information provided by XXXX XXXX XXXX billing office to XXXX XXXX XXXX , claiming I have an " obligation '' of {$200.00} and I should " immediately '' pay this " debt. '' On the basis of the misinformation contained in XXXX XXXX report, the XXXX XXXX XXXX ( and possibly other users of XXXX XXXX credit services ) refused to reissue to me a credit card -- even though I have substantial accounts with the XXXX XXXX XXXX -- and will not do so until this matter has been resolved. HENCE, BECAUSE OF THE MISINFORMATION PROVIDED BY XXXX XXXX BILLING OFFICE, AND THE ACTION OF SCA COLLECTION SERVICES, MY CREDIT APPEARS TO HAVE BEEN FROZEN AND MY CREDIT RATING HAS BEEN DAMAGED! 

I have inquired further, and, according to XXXX billing office, which contacted SCA Collection Services to " collect the debt : '' " The entire {$200.00} has been waived. If needed, please utilize my previous email as a reference for any inquiries. 

Thank you, XXXX, CA XXXX p : XXXX '' I am seeking redress against both SCA Collection Services and the billing office of XXXX. In addition, XXXX XXXX billing office is also implicated in this mess and the subsequent damage to my credit status. Appropriate compensation ( billed at $ XXXX/hour ) is also sought for the time I have spent dealing with these issues. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AL)

see attached : 1. letter sent my me to wells fargo, dated XX/XX/XXXX, DIRECTING them to remove me from any XXXX  all accounts. 

2. notice sent to me by wells fargo , received XX/XX/XXXX, stating they had updated my address for an account they have in my name. 

*** WHAT THE XXXX???? 

This is BANK FRAUD!!!! They have NO RIGHT to maintain an account IN MY NAME WITHOUT MY PERMISSION!!!
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rausch Sturm LLP (MA)

I received {$2000.00} from a XXXX  XXXX. I paid close to {$3000.00} and they still wanted more. I tired to talk to them but they just said you agree to pay the loan back. They wanted me to pay closet $ XXXX {$9000.00}. 

YOU must be crazy. I already paid close to {$3000.00}. 

This company has a law suit against them for charging consumer high fees. 

XXXX XXXX XXXX 15 Others Named in Class Action Over Rent-a-Tribe Predatory Lending Scheme. 

The lawsuit detailed on this page has been settled for {$140.00} XXXX. The proposed deal awaits preliminary approval from U.S. District Judge XXXX XXXX XXXX, XXXX. 

As part of the proposed settlement, XXXX XXXX XXXX has agreed to cancel {$76.00} XXXX in loans, covering more than XXXX in the defendants collection, and remit a cash payout of {$65.00} XXXX to borrowers. The deal also calls for XXXX   XXXX  XXXX  CEO to resign from his position before the date preliminary approval is handed down and prohibits the company from using class members information for debt collection purposes, among other relief. 

Why are they still calling me and having attorneys contact me.
Consumer complaint received 2015-07-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CL Holdings LLC (MO)

I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (OH)

On XXXX/XXXX/16 I closed my checking account at a Key Bank branch in XXXX, OH. I instructed the bank representative to close the account and I received a check for the remaining funds. 
I have other accounts with the bank, and I logged in on XXXX/XXXX/16 to look at something. To my surprise, the checking account was still showing online, and it contained a negative balance. The negative balance was a result of a payment to a home security company ( on XXXX/XXXX/16 ) and the resulting overdraft charges, PLUS a monthly checking account maintenance fee. 
I called Key Bank and the representative explained that the payment to the security company " reopened '' my account. ( Yes, the mistake made by a third-party " reopened '' an account I had specifically closed. ) I had changed the home security company monthly bill to a personal credit card on XXXX/XXXX/16. So, the auto-deduct from the closed checking account was their mistake - and they admit to it. 
How Key Bank could allow any third-party transaction to " reopen '' an account I 've closed -- well, it defies logic. This practice is completely unfair to the consumer and makes no sense. It should not be allowed to happen.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NY)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX, XXXX. XXXX XXXX : {$0.00}
Consumer complaint received 2018-03-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JH Portfolio Debt Equities, LLC (NJ)

On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from XXXX XXXX. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX contacted them they did not. I reached out to XXXX  to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX  contacted them they had not. I have not heard from XXXX since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is JH PORTFOLIO DEBT EQUITI.
Consumer complaint received 2015-05-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AR)

Complaint number XXXX about Citi Mortgage. We call over and over trying to speak with some one. Most of the time we get someone who does not even speak XXXX and we do not understand anything they are saying. We have to call back several times in a roll just to get a person we can understand. Then that person will not transfer us or even give a message to the person we are trying to reach. It is completely madding. Every email or letter we get always states we can contact them at any time. What a bold face lie that is. We spend hours trying to reach anyone that will talk to us and then never get them. At best we get to make an appointment for them to call us back and they never do. This has happened at least XXXX times that we wait for a call that never comes. Why will they not talk to us? Why will then not return calls? Why are they foreclosing on our home without even trying to talk to us?
Consumer complaint received 2018-03-15
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: CARD Corporation (CA)

On XX/XX/XXXX, I received my income tax refund on my pre-paid card which was issued to me by " XXXX '', who is represented by the XXXX XXXX XXXX XXXX XXXX. Upon receiving my tax refund that very same day of XXXX XXXX, one of the first purchases I made was an ONLINE purchase with the store " XXXX '' in which I purchased 3 pairs of shoes for a total amount of {$210.00}. Due to XXXX 's own reasoning of being unable to confirm with XXXX, the details of the purchase made, the order was then cancelled by the merchant. I was made aware of this minutes after it happened. I then got in contact with the merchant on XX/XX/XXXX and got the details explaining why my order was cancelled and was also advised that the amount would be returned to my account within a reasonable period of time ( 3-5 business days/24-72 hours ). After patient for over 2 weeks I then called the merchant " XXXX '' to follow up on the refunded amount on XX/XX/XXXX. The merchant then advised me they were going to be sending a fax over to the my financial institution advising them that they were releasing the funds on their side as of XX/XX/XXXX. The same day I received an email confirming they had already addressed the issue with XXXX and the funds should have been credited to my account within 3 days and if I did not receive the amount I was to contact the financial institution. The same day of XX/XX/XXXX I spoke with a representative from XXXX who confirmed the reversal had indeed been initiated and was under review, awaiting approval to proceed with placing the funds back into my account & was told the time frame would be an additional 3-5 business days! On the 5th business day which was on XX/XX/XXXX I contacted XXXX once again because the credit hadn't still been applied to my account. To my surprise when I spoke to a supervisor the supervisor also advised me that the funds had been placed back into my account but I was unable to see the transaction because it was listed as a reversal and it would not appear on my list of transactions. I monitor this account daily and have been monitoring specifically for these funds to be returned and can honestly positively absolutely say that the return of the funds has not been placed back to my account and wish to argue this with the company even though they insist that the funds were placed back as of XX/XX/XXXX. If that were the case why is it the representatives I talk to after XX/XX/XXXX were telling me that I have to wait three to five business days before the funds appear in my account but then after that when  I attempted to investigate why the funds have not been returned they then advised me that they indeed had but had been done days prior to me even initially calling about the funds.
Consumer complaint received 2021-01-18
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: JPMORGAN CHASE & CO. (UT)

there is a promotion for opening united club card if you spend XXXX in the 1st 3 months they would give you 100000 miles when I saw this promotion I applied for the card when I got approved they said I would qualify and they gave another promotion with a fee waiver s most of the united clubs are closed so I understand wavier but I was going for the promotion for the 10000 miles which Is way I applied for the card in the 1st place chase refuses to honor and I am really upset now they have a 50000 mile offer if you spend 2000 and they refuse to honor that I will include in this complaint the details of the promotion of th 100000 they refuse to honor and I want this honored I even called united and they will not do anything about it and I really upset and this is why I applied for the card in the 1st place
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TH Professional & Medical Collections LTD (IL)

TH Professional put XXXX collections on my Credit Report and when I called to ask why they said some new debts came through. I stated that I had not received a bill so why are they putting collections in my Credit report. They said they would send me copies of the debt. I received a letter from them indicating the amounts they said I owed but there was no date of service and no patient name. I did not receive a notice of right to dispute in the letter - so I sent them one back disputing the debt and asking for additional information ( i.e. dates of service and patient name ).
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Credit Services Inc. (FL)

I do not owe this debt. I joined a fitness club because i did not have to commit to a contract. I ceased using the services and paid the outstanding balance when i notified the club that I would no longer be using the service. It strikes the wrong cord when this creditor is reporting a balance owing when I had no contract with them. I request full validation from this company or the reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.
Consumer complaint received 2015-12-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

About a year ago, I financed services through XXXX XXXX XXXX through XXXX XXXX. Roughly a year ago, XXXX XXXX XXXX abruptly closed and I never recieved any of those services. XXXX XXXX has since started harrassing me to collect this debt. I have expressed to XXXX XXXX that I did not recieve any of the services and their response was that it was not their problem. They also threatened to use legal action against me if I did not pay. I then told them that I will contact them to reach a resolution and until then I do not want to be contacted by them. However, they have continued to call me repeatedly using the telephone number above and various other phone numbers. It has become increasingly difficult to use my phone because of the number of harrassing calls I keep recieving from them.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA (NE)

i was on winred which is a place i have donated to previously ( about 2 years ago ). i gave them {$50.00}, unfortunately on my debit card ( which i will never do again ). I then got an email from them stating they were cancelling my recurring donation of {$6600.00}. i got on my bank account right away and saw i had a {$6600.00} pending payment. i immediately called my bank ( FNBO ) and they said there was nothing they could do but figured that the amount would drop off after a three day period since i received an email from winred. if it didnt then i could file a dispute claim. i told them it was nothing more than fraud and i didnt understand why they couldnt block this transaction while it was pending. They said it was their policy. I was livid! I then contacted winred through their website as there was no one to talk to on the number that was listed. it was automated and wouldnt take the information i entered regarding the transaction. I emailed them 3 times about this matter and no one got back to me. Yesterday ( XXXX ) the {$6600.00} went through my checking account. i called the bank and filed a dispute claim and sent them the email i received from XXXX. They told me they would give me a " provisional credit '' while it was under investigation but it would take 5-10 days to get into my account. The first gal i spoke to at the bank ( FNBO ) told me they would get my money back to me so not to worry, but the gal i spoke with yesterday didnt seem as confident. My husband contacted the republican party on several levels and no one would help us. I find it odd that the bank sends me texts asking about possible fraudulent charges before they put them through but then let this {$6600.00} charge go through without question. As high as it was, someone should have notified me. At the very least they should have granted my request to stop the charge. I need some help. i feel like i have been left in limbo. i even went into the bank and talked to a manager to no avail.