davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-22
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 (KS)

American Express maintains promotions ( 'Offers ' ) within their App and website that advertise certain promotions tied to spend at certain vendors. American Express also advertises these offers via e-mails. Within the App, once you select an offer detail, there is a single-click option to add the offer to your card. 

I have an account with American Express. I have a card and my wife has a card on the same account. 

On XX/XX/2018, I contacted American Express to inquire about a charge that should have been eligible for an advertised promotion ( {$5.00} off a {$20.00} or more purchase at 'XXXX XXXX ' ) that did not receive the advertised discount. We would have not made this purchase in absence of the discount. The charge was placed on my wife 's card. 

When contacted, American Express ' position was that only the 'enrolled Card ' is eligible for the discount and not all cards on the account ( the other card being my wife 's ). The enrolled card being whoever 's user name is logged in on the app and selects the button. Within the app, there is not an option to select which 'card ' to apply the discount too and this disclaimer is buried on a page in certain legalese that is not readily apparent from the quick consideration you would give within an app. 

I am not sure when this policy when into place, but I am certain it is reasonably new as we have used similar offers in the past in a similar manner and received the promotion. I do not recall a notice of the change in the rewards program and how it operated. 

I feel the promotions terms and conditions are deceptive due to how AMEX advertises them and how they actually operate.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (MN)

woke up this morning and checked my bank account and I was not able to access it using my regular practice and routine. It asked me to log into the account and provide my password and additional verification of my identity. I thought this was odd but I know that Ive had issues with this account in the past and because I have a new cell phone there may have been some issues in the transfer. I have not had those issues in the past and Im concerned that the bank owner and application manager, XXXX XXXX  and XXXX XXXX  are fraudulently closing accounts that have been active for years before XXXX, which you can find out if you, XXXX search XXXX XXXX changes to accounts creating havoc on consumers, it appears as if XXXX XXXX and XXXX XXXX  are randomly closing accounts of consumers who establish their account before XXXX. They also changed their terms and conditions on XX/XX/XXXX, which I was not aware of except by doing the XXXX search today. I have been informed that my account has been closed due to violations of the terms and conditions, and that I would not be able to use any of the features on my account, would need to close and have all my funds sent elsewhere. I would also have all of my direct deposits, including my payroll taxes, and any other financial receiving reoccurring deposits, will be returned to the originator. All of these issues will cause a extreme financial hardship and cash app was not able to resolve or tell me what specific violation of terms I committed, I doubt that there are any violations, and that this is merely a way to dissolve my account and create a financial burden for me and my family. When I established my cash app account, I did it with a great amount of trust and consideration, but now I am being accused of a violation with no additional clarity, or reason. Ive reached out to cash app customer service, which is connected to XXXX XXXX  and have received less than supportive response. They are both dismissive and lack any clear communication about the reason behind this change. It feels like a major scam and the cost to me is going to be substantial. I have already reached out to my payroll department but I am not sure that they will be able to stop the direct deposit that is scheduled for XXXX XXXX XXXX XXXX XXXX I am very upset, and I feel compelled to share this extreme violation of trust with a Bank.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MN)

I have had a online gaming merchant systematically drain mine and my fiancs cashapp accounts through multiple multiple purchases over a few months while I wasnt aware of mine right away she was and she disputed and got full refunds on all her unauthorized transactions.. and when I noticed mine had been victim to the same thing I disputed mine as well.. ( which totaled a whopping 300+ transactions for around 10,000 $!!! ) and through out there investigation they approved and refunded about 75 % and then denied the other 25 % these transactions ranged from 5 $ to 300 $ and wouldnt you have to know that the 25 % they have denied ( now 3 times in a row now deny deny deny ) they were the higher value ones of 50-100-300 $ and on top of that they had given me a provisional credit and I had transferred it to my main bank to keep it safe and sure enough they denied and reversed almost 2000 $ in provisional credits and made my account negative XXXX $ and closed my accountwhat can I do I have a enormous amount of evidence to support this fraudulent activity by cashapp and their blatant disregard for the laws and protections its not coming sorry
Consumer complaint received 2018-11-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAINE & WEINER COMPANY, INC. (CA)

Approx the end of XX/XX/2015My car had service under a warranty at a dealership in which XXXX XXXX XXXX took the agreement and rented me my loaner vehicle until mine was serviced taking a credit card deposit and my CA DL. Soon after I had received a call from XXXX saying it isnt covered and if I dont turn in the vehicle its being reported as stolen. I returned vehicle and received the bill of {$800.00}. Which in turn was submitted back n forth with no one claiming responsibility and now its been on my credit. I have already exhausted all other methods.
Consumer complaint received 2018-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-07-31
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: LEXISNEXIS (MI)

I have reached out to Nexus Lexus and XXXX to demand them to remove any bankruptcy information they are report in their data base i have provide information showing that any information pertaining a bankruptcy in their data base. Their company is storing inaccurate information and must be removed immediately, i provide documentation for the courts, stating they do not report any information like that to no company or any credit bureaus. This information is not verified from the actual source, they source has stated the information is not mine and they dont report information to any company, or third parties, or credit bureau agency , this bankruptcy is not verified information from the US court, because I have documentation from the courts stating they havent provide any bankruptcy information attach to me to no company, and no information of me is known in the data base pertaining bankruptcy by them. Nexus Lexus have stated in a certified letter mail to me that I have no information in there data base after addition search and Lexus nexus has not verified this bankruptcy with the actual source that l have provided that documentation from the US Court that has stated in in the records, and no information is provide by them of this bankruptcy or information with me. No Lexus nexus and XXXX has not provide this information, Under my FCRA rights its an violation under 15 U.S.C1692g And demanding to be removed immediately from there data bases,
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

Chase advertises their XXXX XXXX credit card as offering " trip cancellation and trip interruption insurance '' which is not only misleading but false. I have been a cardholder for many years and use the card for all my travel, believing this " benefit '' actually existed. On a recent trip overseas my passport was stolen and the result was a delay in my scheduled travel plans. When I filed a claim with Chase Benefits I received an email stating that the claim was denied because ( 1 ) the claim expenses were ineligible since they were not for aCommon Carrier Fare '' and ( 2 ) a change in plans caused the trip cancellation. Both reasons were ridiculous since the claim involved XXXX XXXX and there was no " change in plans '' there was a stolen passport. I contacted them again and explained this. They sent another email denying the claim again but this time providing yet a DIFFERENT reason : the claim was denied because the loss was " not covered '' since it was not ( 1 ) a XXXX attack ( 2 ) severe weather or ( XXXX ) airline operational difficulty. Again, I appealed based on the fact that the Benefits Guide provided with the card specifically states that if losses result in cancellation or interruption of a trip the cardholder is reimbursed. It specifically states " The benefit covers a broad array of " what ifs that can impact travel plans ''. I received my THIRD yet different reason for denial : " the benefit does not apply to any loss caused by ... failure of the covered person to obtain necessary passports ''. Ridiculous. I absolutely obtained my necessary passport ( and visas ) yet they were stolen! They did acknowledge that " the Guide to Benefits confirms you may be reimbursed for forfeited, non-refundable prepaid land, air or sea transportation arrangements missed '' but fail to inform the cardholder that they decide when and if at their sole discretion.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am an active military XXXX, while Ive been out the country since XXXX, my personal information was compromised and someone has been using my identity to obtain a car loan, and medical service, my military benefits and credit cards, I provided supporting documentation to the credit reporting agencies along with my correspondence challenging the accounts I have listed below. 

XXXX. XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX not authorize these inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-06-22
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: BANK OF THE WEST (FL)

these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK WEST Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo banking company has acted in a number of predatory ways towards myself and other customers. I am a former employee who on day of employment was used as a number for bonuses. So three accounts were open, a checking, savings, and credit account. Even though I had a credit score of over 700 a 24 % interest rate was given to me on said card, since then I have closed that account. This is not my main complaint but am using this to establish a pattern of predatory behavior and self-serving practices. My current complaint is the amount of overdraft fees charged and the practices being done. I have overdraft protection turned OFF and am still having money taken out of my account and then charged {$35.00} every time anything comes in, instead of these payments being denied. They are not payments being made by me but payments set an " auto '' that are annual charges that at the time had money for but because simple transactions take so long to post resulted in a number of mishaps. I am negative {$60.00} in actual money from auto payments, in the last 3 days Wells Fargo has tried to charge me over {$140.00} extra in the negative even though my overdraft protection is turned OFF and all overdraft charges should be DENIED.
Consumer complaint received 2018-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IA)

I sent in a written dispute through my original attorneys XXXX XXXX. TSi received the dispute on XX/XX/XXXX as documented in a phone call with a supervisor who refused to give me her name on XX/XX/2018. Which is the day I called in to ask them about why my account was still not validated even after me sending my own debt validation letter dated XX/XX/2018. As of the date of this complaint I have not personally received any documentation validating this account as belonging to me and it has been well over the time constraints allowed by both the FCRA and also the FDCPA which both CLEARLY state that any request for validation of a debt must be done within 30 days from the date of the dispute or the debt will be considered erroneous and therefore removed from any credit reporting agency it may be adversely affecting. I have never lived in Texas and I have no recollection of this debt.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2018. I filed a fraud claim with citibank for the amount of {$310.00}. I was told i would receive a provisional credit within 10 days. I never received it. On XX/XX/XXXX they told me that my claim was approved and i needed to wait an additional 10 days for my credit appear. Today is XX/XX/2018 and i still have not received my credit.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

As a XXXX  XXXX, I am eager to establish a savings account for my XXXX  child with a credit union. However, I have been denied this opportunity by an institution due to negative information present on my ChexSystems report. Upon reviewing the report, I have discovered an account and inquiries that were opened without my knowledge or authorization. This fraudulent information is reflecting on my report as a result of identity theft and needs to be removed immediately. The fraudulent account on my consumer report is with XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. I am certain that this account is not of my doing as it contains erroneous information, such as an incorrect spelling of my middle name and an inaccurate version of my current address associated with it. Furthermore, I did not open an account with XXXX XXXX XXXX, making this activity not only fraudulent but also completely unauthorized. The discrepancy between my accurate identification documents and the reported information is evident, and it is IMPERATIVE that you conduct a thorough review to rectify this matter. 

I have also identified XXXX  unauthorized inquiries being reflected on my ChexSystems consumer report as a result of identity theft. The details of these inquiries are as follows : Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Inquiry Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XXXX : XXXX, Texas Address : XXXX XXXX XXXX, XXXX XXXX , TX XXXX XXXX Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX Inquiry : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX Provided : XXXX XXXX XXXX XXXX , XXXX, MO XXXX I can assure you that I have never resided at any of the addresses provided in these inquiries. It is evident that this information is fraudulent, frivolous, and inaccurate, and I urgently request its removal from my ChexSystems report. 

In light of the above discrepancies and identity theft involved, I hereby request that you provide me with all relevant documentation related to the opening of the XXXX XXXX XXXX  account, including any signed contracts or agreements, and any information associated with the abuse of the account and my personal information. 

Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have attached a copy of my FTC identity theft report, my identification documents ( driver 's license, social security card ), and my most recent utility bill, which reflects my address. I kindly request that you investigate this matter promptly and thoroughly. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX and I am submitting this CFPB complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I am referring to the following accounts : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$18000.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$560.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$99.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$1200.00} XXXX XXXX  Opened XXXX XXXX, XXXX XXXX {$18000.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602A states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.