davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-02-20
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 (MI)

I have American Express platinum card and have XXXX points in my Membership Rewards account. But there is a problem with my account, when I try to transfer my XXXX points to Delta or XXXX, the system always shows an error : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' And also I want to try to redeem for gifts card, the error message still show up. I call American Express, the first time they said need to wait 6-8 weeks to fix, but after 6-8 weeks, the problems still not fix, and I call the second time, the agent said write down the notes and sent to the department. I waited few days, but no call from American Express, and I called the third time, the agent said write down the notes and sent to department, and let me wait 3-5 Business days, but I still not received any call. 

And I have a delta skymiles card, I spend XXXX dollars to meet the welcome offers which is 10000 MQMs and 4000 miles. After the first statement, I didn't received any welcome offers to my delta account, I called American Express and the agent said 3 weeks will be post to my account. After 3 weeks, the welcome offers still not post to my account.I wait for the next statement day, there still no welcome offers post to my account. I called again yesterday and the agent said there is a some problems can not post to my account and sent to department and said will call back to me 3-5 Business days.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Experian shows XXXX  XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with experian and gave them proof it was paid off and it still on my credit,.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (OH)

a XXXX bill would not remove my month in advance payments and did not cancell i took them to court small claims and one got letter from them saying it was off my credit report 2 years later a collection agency wants this money check my credit report it is not on it the agensy is trying to scam me out of money XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019 Bank of America authorized {$1800.00} to be fraudulently transferred by XXXX. We immediately called Bank of America to notify them of the identity theft. They have since denied to refund our money. I filed with the local authorities.
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (NC)

XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by XXXX. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this XXXX account to be removed from my credit file immediately.
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient 's website now forces borrowers to pay a month in advance ( payments that are not even yet due ) before it will allow them to make a payment on a past due amount - even if only past due by 1 day. This happened to me in XX/XX/XXXX and XX/XX/XXXX. Each month, I logged in to make my payment and was confronted with a screen saying I had a past due amount, but that in order to pay it, I also had to pay the NEXT month 's amount due as well. No option is given to simply pay the past due amount. An amount that was past due by one day in each month. This is a deceptive trade practice, and Navient should correct the issue immediately. Customer service representative on XX/XX/XXXX told me there is nothing they can do about it, but agreed that " it's dumb. ''
Consumer complaint received 2019-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Nissan Motor acceptance has continuously reported inaccurate information as recent as this month for a auto loan that was paid by additional gap insurance i had on my auto. Nissan, has also reported the same account twice as derogatory. I have repeatedly requested the method of verification used to proof the balance owed & have not been provided with it. I have requested to have the items deleted from my credit report & they have not complied. First they reported In XX/XX/2017 that I owed over 13k and just this month they reported I owe {$580.00}. When I spoke with a Nissa rep they said they wasnt certain where the balance was from and couldnt verify it. 
Please have this item deleted from my credit reports.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019, I placed an online order with XXXX XXXX ( XXXX ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called XXXX XXXX in regards to returning the shoes in return XXXX provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that XXXX cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts XXXX claim I owe. XXXX company provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called XXXX and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item XXXX is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that XXXX XXXX negative item be removed to correct the information ; XXXX Balance.
Consumer complaint received 2019-02-20
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: SECURITY FINANCE CORP (GA)

I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX  that are hindering me from being approved to buy a house. One account is with XXXX XXXX XXXX for {$1500.00}, it says it was closed XX/XX/2018. The other is with Security Finance Corp for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for XXXX XXXX XXXX still shows as an open account on XXXX. I am also seeking legal advice this week from a local attorney to dispute these items. XXXX XXXX XXXX directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!
Consumer complaint received 2019-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

This is my third attempt to resolve this issue. In the two previous attempts, the criminal company involved ( Wells Fargo ), who gets to investigate its own wrongdoing, gets bogged down in the details and ignores the heart of my complaint, probably because it doesn't want to admit my complaint points to a corporate culture of intimidating and bullying its customers. This corporate culture isn't just my opinion, a federal judge specifically called Wells Fargo 's behavior " highly reprehensible '' in her decision. So, Wells Fargo conveniently ignores the actual complaint and instead defends its corporate policy, which conflicts directly with federal law. 
The issue : A banker ( XXXX ) at the branch in XXXX, Virginia slandered me by calling me a criminal. In order to be a criminal, one must actually violate a law. I violated no law. I even checked with the Federal Reserve and confirmed my actions were in NO WAY a violation of any federal law. When I elevated the issue to the individual 's manager, he again called me a criminal and my actions a crime in front of his manager. In a subsequent meeting with just the manager, the manager denied the banker called me a criminal, but after me reminding him of the exact prior conversation the manager sheepishly conceded I was indeed falsely labeled a criminal. Despite this acknowledgment however, he refused to issue an apology for the slander. 
This behavior is a prime example of intimidating and bullying customers which Wells Fargo has a history of doing. I did nothing wrong or illegal ( per representatives at the Federal Reserve and law experts ), but Wells Fargo didn't like what I did, so its representatives tried to intimidate me by characterizing me as a criminal. The bluff failed when I offered to drive to the local police station with the banker and the manager to " turn myself in '' and allow them to collect some sort of " keep our streets safe award '', but they both claimed to be 'too busy to do that '. 
In short : I committed no crime and therefore am no criminal. Wells Fargo on the other hand has a huge corporate rap sheet and knows all about committing federal crimes.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Grain Technology, Inc. (FL)

My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019, I placed an online order with Neiman Marcus ( NM ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called Neiman Marcus in regards to returning the shoes in return NM provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that NM cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts NM claim I owe. NM company  provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called NM and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item NM is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that Neiman Marcus negative item be removed to correct the information ; XXXX   Balance.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have attempted to dispute a very old account with this company for a long time and I have gotten no where. I stopped payment on some checks because I finally realized I was being lied to by Portfolio as they kept making promises that if I paid they would remove this account, but then I was being told that they would sue me and my wages would be in jeopardy. I asked them not to do that and then out of fear I attempted to pay and then I contacted XXXX XXXX  and was told that this account was charged off and I was not responsible for it. When a company charges something off it is included in their taxes and they are somewhat compensated by it. By re-selling the debt they are not only compensated by the federal government but they are getting payment on top of that by having this aggressive and unfair third party company hound me by mail, voicemails and calls and endless threats. I do not owe anything and the charges which XXXX  claims I have as outstanding have been paid in full and I am not responsible. Portfolio is enjoying ruining my life and my credit and I will not stand for it anymore. Their letters contradict what they say on the phone, they are sneaky and manipulative.
Consumer complaint received 2019-01-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dorough & Dorough, LLC (GA)

IN XX/XX/XXXX A COMMERICAL PROPERTIES WAS PURCHASED BY THE GUARANTORS XXXX XXXX AND XXXX XXXX, WE WERE THE OWNERS OF XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX HEALTH AGENCY OUTPATIENT ). XXXX XXXX LEFT IN XX/XX/XXXX. I PURCHASED THE BUSINESS FROM HIM. I WAS UNDER THE IMPRESSION WE PURCHASED XXXX XXXX AT XXXX XXXX XXXX   XXXX GEORGIA VIA SBA FUNDING. AFTER DETAILED RESEARCH IT WAS REVEALED 1. THE SBA APPEARED TO HAVE NOT PROVIDED FUNDING FOR THE PURCHASE OF THE BLDG REFERENCED, 2. OTHERS SUCH AS THE BROKER AND ASSOCIATION MEMBERS WERE INVOLVED IN POSSIBLE UNETHICAL WAYS TO OBTAIN MONEY WHILE UTILIZING ME CREDIT AND NAME DUE TO ME BEING A MINORITY, 3. THERE WAS AN ADDITIONAL LEVEL OF PROVIDE SBA FUNDING BY XXXX XXXX WHICH IS A PRIVATE BROKER WHICH BENEFITTED ALL MENTIONED, 5. THE OFFICE BLDG CONTAINED 5 DIFFERENT SUITES WITH 5 DIFFERENT ADDRESSES, EACH  SUITE WAS SOLD SEPARATELY.

EACH SUITE WAS BEING USED AS COLLATERALS FOR ADDITIONAL LOANS WHICH APPEARED TO HAVE BEEN DESIMINATED AMONGST A GROUP OF INDIVIDUALS RANGING FROM BROKERS TO POLITICAL HEADS. THE APPROXIMATE AMOUNT OF MONEY ILLEGALLY OBTAINED BY THESE INDIVIDUALS WAS CLOSE TO XXXX XXXX DOLLARS WAS PROVIDED TO OTHER PARTIES UTILIZING MY NAME CREDIT AND COPYING AND PASTING MY SIGNATURE THROUGHOUT VARIOUS PARTS OF THE LOANS PACKAGES, I CAN NEVER RECEIVE ACCURATE AND CORRECT INFORMATION FROM FUNDING SOURCES AND IN ADDITION, THE BUILDING IS FILED ON MY CHAPTER XXXX BANKRUPTCY. I CAN NOT IMAGINE THE REPRESENTING LEGAL COUNSEL NOT BEING AWARE OF THE UNETHICAL PRACTICES WITHIN THIS CONDO ASSOCIATION. THEY ARE THE GATEKEEPERS OF BOTH BYLAWS AND FUDICIARY DOCUMENTATION. 

AS A MATTER OF FACT, THERE HAS BEEN OVERPAYMENT OF CONDO DUES WHICH ARE APPROXIMATELY 1100.00. THE BOARD AND ATTORNIES, I AM SURE BOTH PARTIES WERE AWARE OF BOTH THE LAND AND SUITES BEING SOLD SEPARATELY. I DO BELIEVE THIS WAS A COMMON PRACTICE THROUGHOUT THE OFFICE PARK.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2019, I received a money transfer ( USD XXXX ) via XXXX from a buyer ( Ref # XXXX ) to my Wellsfargo checking A/C due to a purchase transaction ( I was the seller ) XX/XX/2019, I checked my Wellsfargo online checking A/C and found there's an unauthorized money withdrawal of USD XXXX from my checking A/C by Wellsfargo. I did not receive any prior notification from Wellsfargo about why they withdrew money from my A/C XX/XX/2019XXXX I made a phone call to Wellsfargo customer service hotline XXXX and then the representative transferred my call to the Fraud department. A Fraud department representative picked up my call and I told her what happened and she said she is after-hour representative and she jot down what I told her and asked me to call back the next day. I asked why Wellsfargo withdraw money from thy bank account without my authorization or any prior notification. I also told her I want to file fraud report and complaint. I should have been protected by Fraud protection plan of Wellsfargo. She gave me a case number XXXX. 

XX/XX/XXXXmorning I made a phone call to Wellsfargo customer service hotline XXXX and was transferred to the Fraud department again and a representative names XXXX ( female ) picked up my call. I gave her my case number and asked for any updates regarding my fraud report. She told me there is nothing Wellsfargo can do and I am not protected by Fraud protection plan and my fraud report case was closed I asked her how come Wellsfargo did not ask for any information from me for fraud investigation and closed my case in less than 1 day without any investigation. She told me Wellsfargo withdrew money from my bank account because Wellfargo received correspondence from XXXX XXXX XXXX Bank that the electronic transfer of XXXX into my Wellsfargo bank account was claimed to be fraudulent. 

I told her this is not true because this person purchased an item from me and that's why he paid by transferring USD XXXX into my bank account as a payment after I gave this person the item. 

XXXX from Wellsfargo Fraud department did not provide any support to me and just told me that there's nothing Wellsfargo can do and case is closed.
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (TN)

Regional Acceptance Corp. ( RAC ) records show that my vehicle was repossessed and sold by RAC in  the state of North Carolina and resold on or about XX/XX/2017. The balance remained on my account after the sale of my vehicle. In connection with the repossession and sale of the vehicle by RAC I  was NOT sent ANY post repossession notices which are mandated by North Carolina Law, I was not sent : -Notice of Default and Right of Redemption/Right of Reinstatement -Notice of Sale -Post-Sale Notices Under the laws of the State of North Carolina UCC and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

RAC is continuing to report inaccurate information on all three credit bureaus. I disputed this information with the 3 bureaus ( XXXX, XXXX, XXXX ) but RAC tells them their reporting is accurate so not one bureau will remove this account - or even update the balance - or even mark the account closed. 

This is a violation of the FDCPA and FCRA.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

I filed bankruptcy on XX/XX/XXXX and it was discharged in XX/XX/XXXX. I submitted these records to XXXX  and ask that they send me a copy to reflect as such. They sent me a copy of my file stating everything was clear in the file and that nothing exist in it. I preceded to apply for a new checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly at banks, credit unions and for credit cards, but continued to be denied as a result of the information received from XXXX. I did a follow-up phone call with XXXX  and again they verified nothing was in my file. A year later I tried again to apply for checking accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still were denied based off information from XXXX. I again submitted a written request to find out what is on my file, I received again another letter indicating again that nothing exist in my file. so I applied for new checking accounts and credit cards XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with continued rejection based off of XXXX records. I again contacted them in writing and was told on XX/XX/XXXX that nothing was in my file. Finally I wrote for a re-investigation and received on XX/XX/XXXX a letter that they determined that there was three entries that was in my file from XXXX XXXX date some back in XX/XX/XXXX-XX/XX/XXXX, that this old information should have been removed years ago but was not. I feel that XXXX  should be accountable for all of my stress and down fall of credit and bank accounts, as a XXXX person this cause a great deal of unnecessary credit issues and held me back from an opportunity to build my credit.