davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
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 (NE)

In XX/XX/XXXX I applied for a credit card with American Express because of their promotion stating that if I purchase {$1000.00} during the first three months, I would receive a bonus of {$150.00}. When I received the card onXX/XX/XXXX, it did not mention anything about the {$150.00} bonus so I called the Company to make sure I was eligible for the bonus before I activated the card. The lady had to check and came back on the line saying I definitely was eligible. Then that same day, I activated the card and did purchase over {$1000.00} during the 3 month period. To date I have not received the {$150.00} bonus and I have called them on XX/XX/XXXX, andXX/XX/XXXX asking why the bonus was not forth coming. They tell me I had an account back in XX/XX/XXXX which was cancelled in XX/XX/XXXX and that makes me ineligible. It is not fair that I double checked before activating the card plus they accepted my application applying for the card which was promoted with the {$150.00} bonus. I spent over {$1000.00} which I could have used other credit cards with even better bonuses. They should not have accepted my application if I was not eligible as per their promotion.
Consumer complaint received 2024-09-29
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)

I have a checking account with XXXX, and have used it to auto-pay bills for my student loan for around 8 years with no problems. Then, all the sudden, I got a notice from XXXX in XXXX that my XXXX payment to Navient was rejected. I had not made any changes to how the bill was being paid, nor had I changed the account number for the payment. 

I called Navient to find out why it was rejected, and the agent told me to wait several weeks while they investigated, and that I should wait to pay my bill until they determined the problem. I asked whether that would be an issue, since it would be a late payment, but the agent told me it would be fine since my account was being investigated. Navient eventually claimed that my bank provided the wrong account number, and that they refunded my payment to my XXXX XXXX account. I do not have, nor have I ever had, a XXXX XXXX account. I called them again and told them I don't have a XXXX XXXX account, my bank used the correct account number, and I asked them to clarify and to provide evidence that XXXX made the mistake. They never sent proof, and only resent the exact same message from before ( my bank used the wrong account number and my payment was refunded to XXXX XXXX ). 

I paid my bill, which, at this point was late. This led to Navient removing my interest rate reduction for good payment history. I have repeatedly tried to get information from XXXX XXXX, XXXX XXXX XXXX, Office of the Customer Advocate at XXXX XXXX XXXX  but all she tells me is garbage like " While we understand why this matter is important to you, we do not have additional details to share at this time. '' She has been dragging her feet, waiting for my loan to get transferred to XXXX ( since Navient has been barred from handling student loans for prior fraud ), so that she doesn't have to deal with it. 

They are incompetent, and fraudulently charging me penalties on my loan because I followed their own directions ( wait to pay the bill until they figured out what happened ). If they're doing it to me, then they are most likely doing it to other borrowers as well.
Consumer complaint received 2018-03-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A. (FL)

I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX., for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in 2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of 2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was notified by my credit reporting agency Trans Union on XX/XX/year> that my credit score had been impacted by a credit inquiry from XXXX XXXX. This inquiry appears on my credit report with no prior knowledge of or a request for a loan or credit card application processed. I had previously been alerted to possible identity theft with several other banks reporting notices via mail that attempts to open accounts of credit had occurred. 

At the time of those notices I placed a formal fraud alert on my credit report which was to alert all other reporting agencies of possible identity theft and was instructed by phone if any further attempt to open accounts would now require personal verification by myself. This alert had been in place since XX/XX/year> and was already established during this credit inquiry which occurred on XX/XX/year>. 

After receiving this alert from Trans Union regarding the credit inquiry on XX/XX/year> I took further protection steps to ensure no further identity theft could occur. I placed a full credit freeze on my account and opened a full investigation into this matter. Trans union requested a formal cover letter requesting the fraudulent credit inquiry on XX/XX/year> from XXXX XXXX be removed from my credit report and this form with personal information, file number and 2 forms of govermental ID be provided to further complete the investigation. 

On XXXX/XXXX/204 I contacted XXXX XXXX directly by phone to inform them of possible identity theft and requested further information regarding the credit inquiry that occurred on XX/XX/year>. XXXX XXXX required full social security number information to process this request which I refused to provide due to threat of ongoing identity theft. XXXX XXXX stated without full social security number identification they can provide no further help and to pursue all further inquiries through a credit reporting buero which will investigate.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

Opened an Ally Online Savings Account on XX/XX/2021 The account was opened successfully via the web interface and I logged into their mobile app to check out the their user interface. I spent the day connecting and verifying my other external banks for transfers to Ally. I submitted some small transfers to Ally in order to test out their user interface. 

The next morning, XX/XX/2021, I finished the verification process and received a call from an unknown number claiming to be Ally to verify some information? I suspected a phishing attempt so I asked to call them back for security purposes and confirmed it was indeed Ally. The representative I spoke to asked me some security questions to which I answered and he informed me that my account was now verify and he would be opening up my savings account ( I had no idea it wasn't open ). He informed me that my account had to be funded within 30 days or it would be closed. I asked him if my transfers would be going through since I had initiated them prior to this phone call and he said they would, this was at XXXX I received an email at XXXX saying my telephone banking pin had been changed ( I never set this up ) and to contact Ally if I did not make this change. I tried to login to the mobile app at XXXX and received a notice that my account had been locked out so I called Ally to see what was going on. The representative on the phone transferred me over to their back department and the rep I spoke to informed me that my account was flagged and would be closed for suspicious activity and they would not be able to have a banking relationship with me. If I applied again my account would immediately be closed and there was no way I could appeal this decision. 

I pulled a XXXX report and everything is listed there are no issues there I find it strange that my account was only opened for a day, I had no money in the account, everything had been verified properly and then closed without explanation
Consumer complaint received 2018-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have repeatedly disputed the accuracy of reported debt to Transunion the last 2 dates are XX/XX/XXXX and XX/XX/XXXX. The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to TransUnion they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.
Consumer complaint received 2018-03-21
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: AMERICAN EXPRESS COMPANY (CA)

Happened during the end of 2015. I noticed using XXXX XXXX that a card was opened under my name from American Express with me owing over {$12000.00} called American Express numerous times to close this account and tell them it is a fraud card not opened bymyself kept opened for over few months period. Calls range from XXXX hour XXXX times of the week to just keep following up why they still have this card opened. They kept telling me that I am paying the bill for this credit card and that I was unable to close the account. They wanted me to go to XXXX XXXX XXXX which is where the payment is coming from to verify the name on account to ensure it is not me. I dont even bank with XXXX XXXX XXXX so they will ignore me. I give calls backs and forth to Amex Express and XXXX. Amex needs a letter stating from XXXX that myself do not have a bank with XXXX and I am not the one paying for this Amex account. XXXX was unable to do it back and forth. I had to speak to a higher up to confirm that I do not have an account with XXXX and get that letter notarized and faxed to Amex. Amex would tell me they never received my fax multiple time and say no update each day. 

I opened a case with XXXX because this was not going anywhere and had a person specifically to handle this case. After 2 additional months they realize that they linked to same name to one profile and has been sending my statement for the past XXXX months to the wrong address. And nothing could be verified on my end because my address was different. I started to receive the other party with same first name new credit card and hes been getting mine. This was during the transition from XXXX leaving Amex to go with XXXX XXXX card. 

My credit card score dropped from almost XXXX to XXXX due to this. They fixed it by submitting it to all the credit bureau that this was not my credit card but its still an issue today. Which is now 3 years later.
Consumer complaint received 2021-11-12
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NC)

My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to Sears/XXXX XXXX/Citi Financial on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.
Consumer complaint received 2021-06-23
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: ALLY FINANCIAL INC. (CA)

During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX  numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
Consumer complaint received 2021-11-12
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: Navient Solutions, LLC. (SC)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC (TX)

My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.SO from XXXX XXXX to XXXX, to XXXX  to some collection company
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (OH)

This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been place I demand these inquiries be removed from my credit report. 


According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, 2 unauthorized XXXX payments for {$XXXX} were taken out of my husband and my Chase checking account. We called the fraud department that evening and after going through a verification process and explaining we did not make the XXXX payments and did not know the 2 people who were sent the XXXX payments, XXXX started a fraud investigation and transferred us to another department, where the associate froze our account. The next day at XXXX XXXX, I received an email verification for a {$XXXX} payment to another person we did not know. At XXXX XXXX  I received a notification that the payment was cancelled. At XXXX XXXX the next morning we called to find out why after our account was frozen someone was still able to submit a request for a XXXX payment. We were not given a satisfactory answer and went into the bank. XXXX at the bank made sure the account was frozen and opened a new account for us. On XX/XX/XXXX, we saw both {$XXXX} payments were put back into our account. Thinking the fraud investigation was complete and in our favor, we went into the bank to have the money transferred to our new account and close the old account. XXXX XXXX, a VP at the bank checked and let us know the fraud investigation was closed with no resolution and the money would be taken back. She called the Fraud department, spoke with a manager and had the fraud investigation reopened. She told us it would be 30 days before it would be completed. While she was on the phone with someone in the fraud department, she let us know it was fraud. The person on the other end of the line told her they could see where the account had been accessed from somewhere else. We went back into the bank on XX/XX/XXXX and spoke with XXXX. He transferred the {$XXXX} into our active account and told us he would close the account on XX/XX/XXXX. That did not happen. Today I received an update that the frozen account had been overdrawn. Both {$1000.00} payments were taken out. I went into the bank and met with XXXX again. She called the fraud department and they said the investigation was closed and they found against us so they took the money back. XXXX had them open a new fraud investigation and told me to come to you for assistance since the bank is finding against us. At no time after the first or second fraud charge was submitted did the fraud department attempt to contact us. As explained to everyone, my husband and I have spoken with in the fraud department and with 3 different managers at the bank branch. We did not make these payments and do not know the people who did. The bank seeing the 3rd attempt the next day was fraud and reversing that charge is further indication that they need to return our money to us.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WI)

A Credit Report showed that I was a Joint Account Responsibility on a Barclays Bank of Delaware. The card was opened on XX/XX/XXXX. ( With No Activity ). The card was activated and a charge of {$15000.00} was charged in XX/XX/XXXX. The card has a {$18000.00} credit limit that some how I am listed as joint account responsibilities. I have no knowledge of this card and Barclays Bank will Not cancel or remove my name from the card. I am Not the Primary card holder. Someone is using without my knowledge of the card and making current monthly payments. They refuse to give me information on the Primary or cancel the card. How do I cancel or remove my name? Barclays Bank of Delaware is refusing to help me in any way. I am furious that I am listed on this Flexible Spending credit card with such a high limit ( {$18000.00} plus ) that I have zero knowledge of, but am responsible for as a joint account responsibility. A change of {$15000.00} was made XX/XX/XXXX. Again I have No Knowledge of this card. Please advise how I can resolve this situation. Sincerely, XXXX XXXX
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

My bank ( XXXX  ) mailed a check to XXXX XXXX XXXX deposited the check into his account. XXXX XXXX bank chase bank held the check. When XXXX XXXX checked on the status of the held check Chase Bank in XXXX California instructed XXXX XXXX to have the payer and payee of the check in question present physically In the XXXX branch to verify the payer of the check.I and XXXX XXXX presented as instructed and were informed XXXX acct had been closed and Chase bank mailed a check in the amount of the original check to his address.After 7 days of not receiving the check XXXX went back to XXXX Chase bank ( XX/XX/21 ) where he was informed he was not told Chase mailed a check and he was mandated again, the payer and payee of the check in question need to physically present in branch for undisclosed reasons.XXXX has not received his money.This series of events has taken place over a 30 day time span.My bank states the check in question was cashed by Chase bank within 7 days of XXXX depositing it in his acct.