davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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 (OH)

Complaint Details I recently applied in XX/XX/XXXX for an XXXX American Express Gold card I was approved right away and received no notification that my file was really under review I received a temporary card number and email saying I was accepted with in minutes. I applied for this car solely for the welcome bonus I can not remember if it was an email welcome or if I saw an ad for it the welcome bonus was receive XXXX or XXXX ( cant remember exactly ) sky miles when you spend XXXX or more dollars on in XXXX days and get a {$200.00} credit for purchasing any XXXX eligible purchases within 90 days. I did those things on my first billing cycle called in was told everything was good look to get those miles within 8 to 12 weeks recently called in and was told I was really denied for the welcome bonus and I wouldve/shouldve received a pop-up message saying your file is under review would you still like to proceed with the application I would have not if I wouldve received that message I wouldve not because of the hard inquiry on my credit and I wouldve went to another airlines credit card. I did not receive that message and due to the incompetence of American Express I applied because I did not receive that message so to no fault of my own they said I was denied my welcome bonus because I received a welcome bonus over 13 months prior. First off thats a terrible rule ive never been late on any payment and my credit is over 700. But if thats the rule fine but I talked to one of there bosses and was told I shouldve received an instance pop-up message as I go through the application and I did not and because I did not Ive bought XXXX XXXX  that I would not have bought Ive spent money with American Express that I would not have spent and I got a hard inquiry we all can read this and see this is not right and I just wan na come to a solution for this as it should be shouldnt be big companies getting over on the little guy its XXXX and Im glad your here to help.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (OK)

Discover has been harassing me about owing on an alleged debt. I have contacted them several times about this including 6 phone calls, and a written debt verification letter. I also have sent a request to dispute through XXXX. 

The alleged loan does not identify me. This violates the ECOA for discrimination based on age. 

Discover sent a letter dated XX/XX/2022 and an email dated XX/XX/2022. The letters are in violation of the ECOA based on familial status, source of income, and several violations of the FDCPA Both letters are attached. They both threaten me in violation of the FDCPA. 

" Your full balance will be due immediately. 

Your account will be reported as a bad debt to the credit reporting agencies. 

Charge off status may remain on your credit report for up to 7 years. 

We will refer your account to a collection attorney to continue collection efforts on our behalf including the possibility of filing a lawsuit against you.. lawsuit against you.. ''
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In reference to complaint # XXXX Transunion has not responded within 30 days. By law Transunion is required to complete their investigation within 30 days or delete the account. The account XXXX XXXX XXXX should be deleted immediately.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (MI)

I attempted to open a business account on American Expresss platform called Kabbage. They claim this is a very easy process and that credit worthiness is not a factor in their decisions. There is no detailed information about what is needed to open the account. I filled out the form online. I uploaded my business incorporation documents, as requested by the form. I was asked to provide further information but it was not told what kind of information was being looked for. I uploaded everything that I received from the incorporation as well as my tax ID and my website. My account was not approved. I thought maybe it was because it was a brand new business and not established. So I created a new account to see if my well-established nonprofit which has consulting status at the XXXX XXXX was able to get an account. The account for the nonprofit was also not approved. I called to find out what was happening and to have my accounts on Kabbage closed since I was not approved for a checking account. I was told that the algorithm decided to not approve my account and that there was nothing the human I was speaking to could do about it. I was also informed my information would be kept and held for five years. I think it is outrageous that American Express can keep my information on file for five years but they can not tell me what requirements are necessary to open an account and the fact that robots are running their company and the humans that work there have no say in what the algorithms and robots are doing.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022, I contacted Bank Of America regarding a lost cashiers check which was listed by the Georgia Department of Revenue Lost Revenue Department. I spoke for over an hour with agent XXXX XXXX and gave him my dads social and address, in order to claim the check. He informed me it would take XXXX weeks for Bank of America to send over the information to the State of Georgia. To date, the state of Georgia has not received anything. I was given the phone number for XXXX XXXX of XXXX x XXXX but when I call, I am requested in input a XXXX digit extension number. Calling Bank of America, I have been unsuccessful in getting a resolution to this matter
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (CA)

I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (PA)

Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible. Please apply these laws to my accounts. The Fair Dept Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My mother passed away XX/XX/XXXX. I am executor of her will. I sold her house on the XXXX XXXX of XX/XX/XXXX. All monies due to SLS loan servicing was given to them through my closing attorney. Specialized Loan Serving has started to call on the XXXX of XX/XX/XXXX saying additional money was owed. On the fifth of XXXX I sent them a wire transfer of XXXX to satisfy the underpayment to close out the loan. The very next week I received another call saying that I owed additional money because they held it for 10 days and XXXX per day I was being charged due to them holding the money. They have threatened me, harasses me and even asked to speak to my mother after being told she had died. I have received numerous phone calls and every one I have returned has stated that I owe more money. They sent me a letter saying I owed a penny, one cent and a bill which was for {$210.00} and change for the foreseeable future. They refuse to speak with my attorney. They continually harass me.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (MA)

SoFi XXXX offered a promotional bonus to convert from their " Money '' account product to their new " Checking and Savings '' accounts. The bonus terms require direct deposits totaling > $ XXXX within 30 days of the account conversion for {$300.00}. I satisfied the direct deposit requirements but have not received my bonus. 

XXXX : I receive a marketing email about the bonus and save it as a PDF XX/XX/XXXX : I navigate to the promotional terms as shown on their website and save it as a PDF before enrolling XX/XX/XXXX : I convert my " Money '' account to " Checking and Savings '' XX/XX/XXXX : I receive a {$4600.00} direct deposit from my employer ( XXXX ) into the account XX/XX/XXXX : I receive a {$4200.00} direct deposit from my employer ( XXXX  ) into the account XX/XX/XXXX : Having still not received my payout, I contact their customer service via " Live Chat '' and am told : " SoFi XXXX members who previously received a bonus for enrolling in direct deposit do not qualify for this promotion ''. These terms were NOT present at the time I enrolled in the bonus- they were retroactively added by SoFi well after my enrollment.
Consumer complaint received 2022-07-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I have submitted several request to Mr. Cooper/Nationstar to update incorrect reporting on my XXXX and XXXX report XXXX I have also requested the help of the credit agencies directly without resolve. They continue to report my mortgage was paid late, although that information is incorrect. My account was assumed by Mr. Cooper/Nationstar on XX/XX/XXXX, payment in full was received XX/XX/XXXX. 

The attached documents support my claim.Please take note, in the state of Maryland once a mortgage is sold. There is a sixty day period allowing for accounts to transfer and update for payment processing. 

I have requested correction, and Mr. Cooper/Nationstar continues to delay and falsely report my mortgage payoff. These inaccuarte remarks heavily affect my credit rating and livelihood. 

Attempts to resolve : Mr. Cooper/Nationstar XXXX Phone request XXXX Phone/ Email Request XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I am writing to notify you of the negligence that Wells Fargo has committed in regard to my mother 's accounts. Well Fargo accepted an invalid power of attorney that named myself and my mother 's partner as dual power of attorney. Not only was I not placed on the accounts as a dual power of attorney, but the power of attorney was also witnessed by my mother 's partner, which makes it invalid, yet somehow Well Fargo accepted it. I have subsequently had a new power of attorney executed properly, which names me as the sole power of attorney. I presented the new power of attorney, which revokes the prior power attorney to my Well Fargo branch on XX/XX/2022. I spent three hours in the branch getting the documents processed to be sent to the Wells Fargo office to update the power of attorney on my mother 's accounts. I am as of today, XX/XX/2022, still waiting for the accounts to be updated. I have called my branch, the Wells Fargo XXXX number, the complaint number and have been told repeatedly that maintenance is backed up but they will try to expediate things. I have been told I will be called back by management numerous times and no one calls me back. This is unacceptable and negligent behavior from Wells Fargo. I need to have this looked into and rectified ASAP.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

The following disputes were opened on my Ally Checking account ( ending in XXXX ) : I submitted a transaction dispute on XXXX for a ACH of {$550.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1000.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2400.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

Each dispute was opened as fraud has been committed by the money service business, XXXX, received my funds but against their terms of services did not make the funds available for my withdrawal at any time and have locked my funds. The merchant, XXXX, is now unresponsive and shutting their company down on XX/XX/22. I have no means to reverse my money out via ACH or any other means by the merchant, despite advertising their services in such a way where I could. I asked Ally Bank to investigate this fraud but instead of doing a thorough investigation they closed each of the disputes above and asked me to deal with the merchant directly. As this is a case of fraud, I am requesting Ally Bank to dispute these transactions with the merchant and resolve the case so that I can receive my money back.
Consumer complaint received 2022-07-18
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. (CA)

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 Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Amount : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I have 3 credit cards from different companies -- Citi, XXXX XXXX, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had my CapitalOne card for about 17 years and my husband has been an Authorized User for about 7 years. The Credit Limit on the card is {$21000.00} but on XX/XX/XXXX my husband used his card to make a purchase for {$26000.00}, bringing the total on the card to {$29000.00}. I am the XXXX XXXX and thereby responsible for paying any charges incurred on my card and my husband 's card. CapitalOne did not require me to approve the charge in advance and only notified me AFTER they approved the charge that far exceeded the limit on the card. 
The CapitalOne website states that Authorized Users are not allowed to " Change the credit line '' which I have come to believe is deceptive language. Over the course of the next month, I made several calls to CapitalOne asserting that they should not have allowed the charge to go through without my authorization because my husband does not have the authority to change the credit limit. They stated that being " over limit '' transactions were allowed on our cards, they did nothing wrong. My position is that a cardholder would assume small over limit charges would be allowed for unexpected situations but that no reasonable person would expect CapitalOne to allow a charge that put the card over limit by almost {$9000.00}. I have asked CapitalOne what the upper limit of my card is, if not {$21000.00}, and they replied that they can't answer that question. My only option to avoid incurring huge interest costs was to take money out of savings to pay the credit card balance. 
I believe the language in CapitalOne 's Access Levels document is deceptive, that their management of credit limits is disingenuous to increase their profits and that they do not sufficiently protect the XXXX XXXX who is responsible for payment.