davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
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 (OR)

I applied online for a Delta SkyMiles Gold American Express credit card on XX/XX/XXXX via an e-mail offer I received on XX/XX/XXXX that stated if I applied by XX/XX/XXXX and spent {$2000.00} on the card in the first 3 months then I would receive XXXX bonus Sky Miles. I immediately received a notice that my application would be processed. 

On XX/XX/XXXX, I called American Express to ask if my application had been processed and a customer service representative said that my application had been approved. They also said that they could send the card to me expedited so I could use the card for an upcoming flight purchase I planned. 

On XX/XX/XXXX I received the card by mail and made my first flight purchase. 

Over the next 3 months I spent over {$2000.00} on the card and in XXXX I was awarded XXXX in Sky Miles instead of the XXXX as advertised. I called Delta Skymiles customer service and made my first complaint. 

On XX/XX/XXXX I made my second complaint to Delta Skymiles customer service and was told that my investigation was completed  and they found no reason to award me more miles. I informed them that I had actually received several emails with the offer and provided a COID number that I used to sign up for the credit card. The representative told me that they would need to follow up with a supervisor. 

On XX/XX/XXXX I made my third attempt to resolve this issue. I spoke to a representative who named XXXX XXXX ID XXXX who offered me XXXX miles for the trouble but I argued that XXXX is far from the extra XXXX that was advertised and asked to be transferred to a supervisor. XXXX transferred me to a manager named XXXX and I repeated my issue for the 4th time. Again I was told that they would need to follow-up on the issue. 

On XX/XX/XXXX at XXXX I made my fourth attempt to resolve this issue. A customer service representative by the name of XXXX who asked me for the full credit card number and when I declined and offered to only repeat the last 5 for security, he told me I would have to contact XXXX to discuss this with American Express customer service. 

On XX/XX/XXXX @ XXXX I spoke to an American Express representative named Con who told me " The investigation team has confluded that you did not select an option for 70K miles ''. I reminded her that I had several e-mail offers and gave her the COID number that I used with the offer when I appplied. She asked me first details by confirming how I signed up, by clicking on the e-mail, I explained. I also gave her additional information about the phone call I made to check on the status of my application, the customer service representative telling me it was approved and sending the card to me expedited. I was told I would hear back from them after another investigation was completed but I have had no response and no additional miles were added to my account. Con gave me the reference # XXXX.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment etc. This account is affecting me getting a home for incorrect information. Please help. I disputed this with the original creditor and they told me the account was sold to Midland Credit and that is who I also settled the account with. I would like this account removed like the other ones I paid off with the same company. Midland Credit keeps saying it belongs to XXXX XXXX  and they replied saying it belongs to Midland Credit. I just would like the account removed because it has been paid and the info On my report is incorrect.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

On XXXX, I purchased a XXXX XXXX freezer that was on sale at Lowe 's Home Centers, LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. Price for the purchase of XXXX XXXX XXXX XXXX was {$710.00}. Price included discount and taxes. Why they are advertising and selling something they do not have is very misleading advertising. Especially when they know they can't deliver when promised. 

I was told at time of purchase that item was not in stock and would be delivered XX/XX/XXXX. That date was okay with me and I completed purchase. My Lowe 's credit card was charged the {$710.00} on XX/XX/XXXX and interest began to accrue. 

Lowe 's has much to learn from other companies that you shouldn't charge a person for something they have not shipped/delivered. I questioned them on this and got the response from Lowes, " company policy ''. Should be illegal to do this in my opinion especially if they know they don't even have it to sell. Not wanting to pay interest on a purchase I had not received yet, I paid the credit card statement balance in full, {$710.00}, before it was even due. 

On XX/XX/XXXX I contacted Lowe 's to confirm shipment was going to be made on XX/XX/XXXX. They told me that no, it was delayed till beginning of XXXX. Contacted Lowes again at beginning of XXXX and told no, now not getting until XXXX. Needless to say, enough was enough, I went to Lowe 's XX/XX/XXXX for a refund. 

I received a " refund '' receipt XX/XX/XXXX for the {$710.00} and it was as a credit to my Lowe 's card. I was told and they wrote on the back of the receipt, " Check will come in 2-3 weeks from credit center. '' I received no apology from anyone for my troubles. They get free use of my money for two months. What a scam. The least they could is say thank you. 

To top if off, I checked their website today, XX/XX/XXXX, and the exact same model is on sale again. When will they deliver XXXX? Yes, they do have a disclaimer that due to Covid their may be delays, but come on, be specific and say EXTREME delays. This is a scam to me and I can imagine how many people are being mislead on not only this item but probably others by Lowe 's.
Consumer complaint received 2020-09-04
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: WELLS FARGO & COMPANY (CA)

Back in 2019 I was Traveling XXXX different XXXX. Including XXXX XXXX. to do " XXXX  this is XXXX of " Religious ' obligation Every XXXX to Perform in " XXXX  '' XXXX XXXX. 
Before, I went to XXXX XXXX, I went to See my Elderly MOTHER in /XXXX  XXXX XXXX. I was require to Obtain XXXX XXXX. Therefore, I Use LOCAL TRAVEL AGENCY called ( XXXX XXXX XXXX XXXX ) I haired them to arrange All my Ground Logistics, in XXXX XXXX, such as HOTEL, Ground Transportation. And A. Assistance as a XXXX. in XXXX, XXXX, XXXX. 
Unfortunately ; As I arrived in XXXX on XXXX, 2019 my Assistance / Helper NO SHOW. NOR Ground Transportation XXXX to " XXXX '' And I was put in to Very Bad SITUTION. I have to go through, with very Difficult Time. Unknown to Me .Language Barrier and many Hindrance to FACE. 
All that said ... I arrived in to XXXX, Hopping, I will have My HOTEL RESERVATION as I was Told by this COMPANY. I haired. Unfortunately, As I arrive to the Designated HOTEL, NEW Discovery I have NO Reservation. PASS Mid NIGHT Here I am with nowhere to GO. Ultimately. The Company I Haired on of his person contacted me. And Put me in to a Very unpleasant Place to Stay Overnight. 
The Package I. have Bought, I suppose to be Staying 5Star HOTEL, and other Services.as well was Includes. Pre PAID to the Travel AGENSY Via My VISA WELLS FAGO Credit CARD. FULL Amount was PAID. {$2000.00} itinerary Due to None Performance of XXXX XXXX, I have to Cut SHORT my Trip and Re-Shuffle my. itinerary And return to XXXX XXXX THANK YOU
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (WI)

I received an automated phone call on Thursday XX/XX/XXXX from XXXX XXXX about a debt urging me to go to their website to pay the debt. When I visited the website and put in some information it was for a {$4800.00} debt from a payday loan company, Allied Cash Advance. I have never used this company and do not owe them anything. I filed a claim with the Federal Trade Commission at XXXX. Claim number XXXX. 
At XXXX XXXX, there was no way to talk to a real person via phone or chat. I called ( XXXX ) XXXX and was greeted by only an automated voice and not given a chance to talk to a real person, only referred to the website to pay off the debt. I also chatted on their website and they only referenced the website as the place to get information and pay off the debt. I also called the company that initially held the loan, Allied Cash Advance, and started a claim with them through their feedback team. Case number XXXX. 
The calls from XXXX Recovers only intensified and were followed by text messages after I accessed their website. Here is a transcript of a voicemail that they left : " Hi this is XXXX with XXXX  this is not the first time we tried to call in and out certainly won't be the last until we can get something figured out here I am did want to make you aware that the extra 10 % savings applied to your pay off online is temporary so I urge you to lock in the settlement on your account now even if you don't have the funds to settle it you can set up a partial payment plan or you can schedule your settlement for a later date when you are able to pay it as of now the 1099C tax form has been issued on this account so please take care of it before further action is required we do also report to the credit bureau 's all applicable accounts so again I urge you to take a seriously and take advantage of this offer our website address is XXXX I'm legally required to inform you this is in attempt to collect a debt thank you The number was ( XXXX ) XXXX. I received at least 5 calls in less than 18 hours. Some of the calls came from other cities and numbers.
Consumer complaint received 2022-08-12
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. (CO)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2020-09-04
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: EQUIFAX, INC. (WA)

I paid XXXX XXXX in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that XXXX XXXX was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and 0 payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

Someone opened a visa platinum credit card with Wells Fargo in my name without my consent I don't know how they got my personal information nor do I know who opened it. On XXXX I ran a credit check with XXXX credit reporting agency and they confirmed that the credit card was opened on XXXX of XXXX and the balance owed is XXXX. I received a bill in the mail by Wells Fargo in XXXX and they are billing me for this payment as well. I also discovered that some also attempted to run my credit with other banks but we're rejecting however my credit score is extremely low because of these illegal identity theif actions. Also I discovered on my credit report that companies I never worked for is noted that I'm employed by them.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Ive already reported that there was issues due to being a victim of identity theft closing my account with Bank of America. I got a email today about a portfolio. I no longer have the account number that I closed and reported the issue about in XX/XX/2020. There was no unsubscribe button to unsubscribe and have or get the account closed.
Consumer complaint received 2024-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MI)

The account is for BestBuy and it was opened XX/XX/year> and closed Contact info ( XXXX ) XXXX BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX
Consumer complaint received 2024-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc (CA)

I attended a XXXX XXXX  XXXX presentation with my daughter in the XXXX  of 2024. During that time, I made it explicitly clear that I would consider signing up for their services but never agreed to or provided any credit card information. 

Despite this, I have been bombarded with phone calls, texts, and emails from XXXX. I have repeatedly informed them that I never consented to pay for their services and have not used them at all. Their persistent harassment is unacceptable. I have blocked their phone numbers, yet they continue to reach out to me. 

Recently, I received a notice from a company called " XXXX, '' claiming to collect a supposed overdue balance of {$2200.00} on behalf of XXXX XXXX  XXXX. Let me state unequivocally : I do not owe this amount. I have already emailed them to assert that I have no outstanding debt and demand that they cease all contact with me immediately. 

I refuse to allow these companies to threaten my credit for services I have never used.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mortgage from XXXX to XXXX on the XXXX of month. XXXX sends me notification XXXX XXXX California and levies charges. 
When I complained to XXXX, I was told that thats what it is. This also happens with my XXXX XXXX XXXX. 
I think these institutions should use California time because even though I make a deposit before banks close at XXXX they tell me they use XXXX. 
I think XXXX XXXX  should demand.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (IN)

I received a card with my first name and last name on a direct deposit debit card card from netspend. I looked up the company and they send all these people these cards which make it easier for identity theft. I have not activated the card due to high suspicion Im very uncomfortable that they send these cards with routing numbers, my name and possible access to other things I dont know about The picture attached also, i covered my name.
Consumer complaint received 2022-08-12
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. (CO)

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX, 2 of the 3 companies responded on XX/XX/XXXX they include XXXX Credit Bureau and Transunion Credit Bureau. XXXX did not yet respond which also is an issue. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not consent. That is also a violation of 18 USC1028A aggravated identify theft and the privacy act of XXXX seeing as they shared my SSN. According to 15 USC 1681C-2 the consumer reporting agency has 4 business days to block information resulting from alleged identity theft. It has been 4 days since they opened their investigation and no action has been taken.