davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (FL)

On XX/XX/21 I bought a prepaid debit Visa card labeled Vanilla Gift card # XXXX XXXX XXXX XXXX at XXXX XXXX for XXXX and paid XXXX to activate it. My son used the card to buy some things and had a XXXX balance. When he tried to buy a video game w card, there was a XXXX balance. Someone stole the XXXX and bought something at merchant XXXX  XXXX. The card is distributed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX. I filed a dispute with XXXX who stated it takes up to 90 days to do an investigation. I think this is an excessively long time as this was supposed to be a Visa card. I would appreciate any help recovering the stolen funds. Thank you
Consumer complaint received 2016-05-24
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION (CA)

i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove it
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Opened an Amex Gold card on XX/XX/year> for a Special Welcome bonus offer of XXXX Membership rewards after spending XXXX $ in 6 months + Receive 20 % cash back in statement credits during first 3 months. 

I had chatted with the customer service rep asking them after 15 days of spending on my card about the bonus points details. They denied me the offer and said it was denied and told me the reason for the denial was that I had applied for an American express gold and XXXX XXXX with XXXX or something previously. I told them that I have an email saying approved first of all. Then I have never in my life applied for either of these XXXX cards and I dont even have a XXXX account until XX/XX/XXXX. They transferrred me to the supervisor and the supervisor denied it and said the samething. They even escalated the issue for me but when I asked them about the status of the escalation, they had no answer to that and they continued saying that it was denied. I have told them again and again I clicked on the referral offer and opened the credit card and never had either of these american express card in my whole life. 

I asked them to provide me a proof where they see I have opened any of these credit cards ever. They had no answer to that. They refuse to help me any which way. I even told them that I would be filing a complaint and they did not care about it. 

I have everything in the chat history of american express online chat and they should have it too. I do not know if I should continue using the card or not as this has made me waste so much time and I am loosing out by opening a new card and it has been filed on my credit report now. This is absurd on behalf of american express. 

I asked them to provide or email me the chat transcript and they said they can not do that as they do not have the provision to send me the details. I am unable to download it but was given this no by them to check on the transcript - XXXX is the reference number for the chat transcript you had with us till date.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MD)

These are garbage debt buyers sending me copies of statements and no O.A.L.D. Was provided by two companies ( 1 ) LVNV FUNDING LLC and ( 2 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Tried to login to my Experian account. They cant verify my information and ask you to call. Call and there are no live representatives, no live person to take calls. Unable to speak with anyone or access website so whats the point of Experian? If they cant provide access to your information, what is their purpose? Terrible company and service ( non existent )
Consumer complaint received 2024-05-11
Product: Credit 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. (NH)

On XX/XX/XXXX, there were XXXX charges on my credit card that were processed in Florida. I contacted the bank Citibank, and told them they are not mine. At that time they took them off my charge card. 

On XX/XX/XXXX. I received a notice in the mail that one of the charges was a valid charge. Again I called and said it is not mine. On the paperwork they sent it shows a name and address of a person who found my information somewhere and made XXXX charges. They charged me back for XXXX. I want Citibank to remove this charge from my account. I have called so many times. And still they do nothing. I am XXXX and feel that I am being discriminated again. That I am an old and they can take advantage of. 

Please help me with this problem. 

This person charged a card that was closed. Citibank should have not lets those charges go thru. They should have stopped this person from using this card ending in XXXX. This card was closed.
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I tried to redeem a companion certificate on my XXXX XXXX Amex, but was denied. I contacted XXXX and was told that, although the certificate was valid, there werent any more seats set aside on my flights for this purpose. 
Nowhere in the terms and conditions does it say XXXX may arbitrarily deny the benefit or set limits. 
This benefit is advertised on promotional material encouraging credit card upgrades, but the numerous exclusions to its use are not. 
The XXXX rep told me that I should have booked earlier, which was XXXX because I was planning XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NJ)

I received a text from XXXX XXXX stating I have a collection account derogatory, which was put on my credit profile credit account XX/XX/2024 that the account is XXXX XXXX  months old.However I never had account with this company at XXXX my credit report ( this is fraudulent ) Ive contacted XXXX XXXX and told them this is ( fraud ) account. # XXXX
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

My wife 's cell phone ( not even my phone ) keeps getting calls from people asking for me, who will only give their first name, and refuse to say what the nature of their business is with me. When we call the number back ( they use several different numbers ) it is all from a Debt Collector called " Portfolio Recovery Associates. '' They have been told that I do not owe them or anyone else any unpaid debt and to stop calling my wife 's cell phone. I had to disconnect my house phone due to the harassing nature of the calls.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

We are disputing a complaint against Ditech Financial Services regarding two payments that were made XX/XX/XXXX and XX/XX/2016 which they are reporting as 60 days late but they were made within 50 days of the due date. I have documentation to support when these payments were posted and all we are trying to do is to get them to update their records to reflect a 30 day late vs. 60 days so that we can close on a loan transaction. I sent this information to Ditech over two weeks ago requesting that they update their records and email me with a response so that I can provide it to our lender. We called yesterday and they had not even reviewed the request that was faxed. When we ask to speak to a Supervisor we are told that no one is available to speak with us.
Consumer complaint received 2016-07-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, 2014. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all XXXX of these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. 
I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. 
The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. 
This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.
Consumer complaint received 2020-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (NY)

I received zero communication nor notice from this Commonwealth Financial regarding any outstanding debt or collection amount. I tried to call the number listed for the collector as soon as I saw the mark come up on my credit report on XX/XX/30. I was completely blind sided as I was never told or informed of any amount being owed to Commonwealth Financial or XXXX XXXX. After I saw the derogatory remark on my credit report as it is the only reference to this debt and option to contact the agency to inquire about the debt I was completely unaware of. When I called XXXX multiple times, it would play an automation after one ring and state " nobody is available to take your call at this time '' then immediately disconnects/hang up.
Consumer complaint received 2020-05-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

I have been lied to repeatedly by this company. Even the VP of customer service has lied!!! You get the run around. You get letters stating your loan modification is incomplete and letters stating its complete. Representatives are unable to confirm what is actually needed. They put my loan in forbearance then removed it with NO input from either borrower. They are dragging their feet. This has been going on for months. They dont deserve government backed loans
Consumer complaint received 2024-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Movement Mortgage LLC (GA)

Movement Mortgage ( and subsequently XXXX ) On XX/XX/XXXX I began trying to get payoff amount for my mortgage and could not get a response from movement mortgage. After multiple attempts, I used the last statements outstanding principal balance and sent a certified check ( mailed on XX/XX/XXXX ). Using tracking number, I saw that the check was delivered to their mailbox on XX/XX/XXXX ( Sunday ). I called on the afternoon of XX/XX/XXXX to find out why payment had not been posted. Movement denied receiving it and continued to deny receiving it for the entire week. Multiple calls and emails were made, multiple complaints filed, Supervisor XXXX continued to lie and state that check was never received, proof of check and delivery was provided to her. On XXXX several attempts to reach her or receive a call back were ignored. On XXXX, I spoke with XXXX in customer service who informed me that on XXXX, the check and a payoff letter was sent via XXXX to XXXX ( a mortgage group to which my mortgage had been sold ). The payoff amount she indicated was incorrect and actually more than the original mortgage amount. We have made 6 payments ON TIME and wished to pay it off before being sold. She provided a XXXX tracking number. The check was received by XXXX on XXXX at XXXX XXXX. Multiple calls to XXXX on XXXX & XXXX results in the check still not being applied and an indication that it would not be applied on XX/XX/XXXX when the check was originally received by Movement. Multiple attempts to reach someone at Movement Corporate Offices ended in only going back through same customer service loop as before. Currently, I have over {$270000.00} dollars hanging in limbo, not earning interest and not being applied to my mortgage. I need help. Please inform me if I need to obtain an attorney. If needed, I have almost 2 pages of handwritten notes and multiple emails indicating my attempts to resolve this over the last two weeks. Thank you
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MD)

On XX/XX/year>, Citibank, through their extended warranty affiliate, " Assurant, '' denied my credit card extended warranty claim on the basis that the failure of my cell phone is " normal wear and tear '' and therefore not covered by the manufacturer 's warranty or the extended warranty. 

On a phone call with " XXXX '' ( no last name provided ) at XXXX, I explained that the permanent ( not user-replaceable ) battery has exploded internally, which is a material defect, not " normal wear and tear '' but XXXX refused to reconsider the claim. ( XXXX also stated that the insurance adjuster 's name is " XXXX '' but she would not give me XXXX 's last name or insurance license number, which makes submitting a complaint to the Maryland Insurance Administration very difficult. ) XXXX advised me that there is no other recourse through Citibank or XXXX.
Consumer complaint received 2022-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, and XXXX XXXX XXXX  ACCT # 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 a account without my written instructions
Consumer complaint received 2020-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

Two months ago, I cancelled a few online purchases as start of covid 19,  my home nurse said try to have my aide purchase as much necessary items as possible in one trip. My bank ( PNC ) froze acct. Cause of cancelling online non essential purchases. They opened a new account with me there, but I still have to call every month to get money put in new account. My deposit was two days ago, and I have been calling. Now its tomorrow or next day. I want to dump them and get my ss put on a XXXX XXXX card. They are SO RUDE
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

Due to an error of a Navient employee, my previous payment plan was not handled correctly. My monthly payment was supposed to be distributed into both accounts. XXXX of my loans ended up in default because of this. I called in and set up a $ XXXX  monthly payment plan, with the intent to provide a larger down payment. I made XXXX payments of {$200.00} but unfortunately, we ran into an issue with out bank and our account was defrauded. We had to set up a new bank account and lost money in the process. I called in today XX/XX/year> with the intention of setting up more payments, only to be told that now BOTH accounts were defaulted and I would need to make a larger down payment. The person I spoke to ( XXXX ) told me he could see that my parents ( co-signers ) could afford to help me if they chose. This was intimidation and I don't appreciate it. My parents are retired and are on a fixed income. They CAN NOT help me with my loan. I understand that I need to pay this off, however, I can only pay what I can afford. Right now, that is {$200.00} per month. Most of the Navient employees I've spoken to have been so unbelievably rude and hard to work with. I can not pay what I don't have. Can someone please help me set up a plan that works for me. {$200.00} per month is what I can afford. Also, XXXX hung up on us during our conversation, which is very unprofessional. He kept talking over us and was rude, which is normal for Navient. They act like the mob when it comes to collecting our payments. I'm always on edge when I call because I know it's going to be an argument and they won't work with me. Navient is the most unprofessional student loan company I've dealt with.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA allowed my ex husband to change my address on accounts his name was never on and were opened after I had moved to my current address. This caused a {$1200.00} check from them mailed in XXXX to never reach me. After a lot of research, they finally admitted the issue. However, I still dont have the check replaced yet. They cant even tell me if he cashed the original check even though only my name was on it.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CA)

I linked a few of my bank accounts to Current bank so that I would be able to send funds to and from those accounts in the future. Current Bank responded by suspending my account and blocking access to all my funds and the account. I tried contacting support through their only support channel which is email. I've send many emails, and I haven't received a response for a long time. I need access to my account, and I have a return of a XXXX purchase which has funds being returned to my Current card. I also paid for a service which allowed me to have a teen checking account linked which is now no longer active since I've been locked out of my account. I paid for a year of this service, and now neither me or the joint account holder can access our accounts. This is unacceptable, and no bank should ever be able to freeze funds and give no response or reimbursement for the funds.