davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
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)

American Express has been blocking the transfer of my membership rewards points to other airline programs for a 6-8 weeks now. I receive the error message that my " purchases are under review. '' I am unaware of any purchases I meant that would have run afoul with the program and called in multiple times to get the situation resolved.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in XXXX, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
Consumer complaint received 2020-03-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cadle Company (PA)

Cadle co had purchased my loan in XXXX of XXXX. I have been paying them since then. Cadle Co purchased this debt from my previous mortgage co XXXX XXXX. My loan with XXXX XXXX was a 30 year fixed loan ( FHA ).  Now that my loan is with Cadle co. this loan is to be paid in 10 years. I just learned this today XX/XX/XXXX via an email response to an offer that I needed to accept for a payment modification. I had to ask several detailed questions to even learn this information because their offer email was very vague. At no point before this was I ever made aware of this 10 year term. In XX/XX/XXXX Cadle co sent me documents about my mortgage payment going up by {$500.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. Then in XXXX they sent another document about my mortgage payment going up by {$250.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. 
In XXXX of XXXX I contacted Cadle co to ask them about re-financing this loan to get a more affordable payment. In an effort get get help with this process I had also reached out to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ( a company that does housing counseling services ) I was being helped by XXXX XXXX. They in-turn referred me to XXXX XXXX XXXX for the loan Re-Fi. I was dealing with XXXX XXXX XXXX. 
After 1 Year of Mr. XXXX & Mr. XXXX trying to negotiate a Re-Fi, Cadle Co declined EVERY offer that was made. So in XXXX of XXXX that is when I made my 1st complaint to this office about my issues with Cadle Co. after my complaint Cadle co. reached out to me seaming as though they were trying to help me but really they were not. Since XX/XX/XXXX we ( Cadle Co, my Wife & I ) were corresponding via emails & they asked us to submit some financials. I did as asked. They then sent me & my wife a very intrusive email asking me about my wife 's monthly income, checking her social media & asking questions about things she posts. My wife is not on this loan she is only on the deed. We responded to their questions. Cadle Co then sent an offer a few days later. The offer was very vague and my wife & I had to ask several questions. Cadle co responded to all my questions and that is when I learned that this is not a Traditional 30 year Mortgage, that is a loan that has to be paid in 10 years, the monthly payment is about 95 % interest only & at the end of the 10 years there will be a very large Balloon payment of about 300,000.00. Cadle co also does not send monthly statements even though I have asked them repeatedly This offer is extremely predatory & aggressive. I am asking that something to be done about this matter. Or that I am pointed in the direction of how to fix this matter.
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and my 30 day to comply was sent on XX/XX/2020.
Consumer complaint received 2019-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My fiance and I decided to jointly open a credit card account. We knew we had big expenses coming up due to an upcoming wedding and figured it'd be a great time to jointly open a new card. 

Our research showed that the Venture card came highly rated from various personal finance blogs we love, including XXXX XXXX XXXX, XXXXt, XXXX, and XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, we applied for and were approved for the Capital One Venture Card. Various articles and Capital One marketing materials we referred to at the time, indicated that we'd be eligible for XXXX bonus miles once we spend {$3000.00} on purchases within the first 3 months. We ended up spending a little over {$4300.00} during the first 3 months. 

However, we recently noticed that we had never received the bonus miles. Upon contacting Capital One and going back to the fine print in the registration email, we realized that the deal we actually signed up for required us to spend {$5000.00} within the first 3 months, a number we just don't recall seeing on any marketing materials. We went on XXXX XXXX to verify what the rewards bonus was at the time we signed up but could only see a placeholder macro { { ESB_AMOUNT } } in place of a specific spending minimum. 

This only strengthens our suspicion that Capital One frequently changes eligible minimum spending and leaves consumers confused on the deal they had signed up for. For your reference, the minimum eligible spending as of today ( XX/XX/XXXX ) is now somehow back to {$3000.00}. 

We spoke to two different Capital One customer agents ( XXXX and XXXX ) over the phone, who were very firm in denying our claim. Not getting our bonus miles isn't the end of the world, of course. But something just doesn't sit right. If we were gullible enough, there may be other readers who may have fallen into a similar trap. Furthermore, we wonder if other credit card companies also employ similar misleading tactics to lure in consumers. At best, they'd be left feeling short-changed like us ; at worst, they would be in debt they incurred to meet the minimum spending, without the bonus rewards to offset the cost. 

I'd be happy to share more information as the investigation requires. Thank you so much for considering.
Consumer complaint received 2020-09-02
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. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2019-07-11
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. (PA)

Dear Equifax : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX   XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (CA)

i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

This debt collector has not provided me proper debt validation for this aledged debt. Please delete this from my credit report.

Also I have them no permission to submit anything to my credit report and this goes against my rights as stated in FCRA Section 605B.

Also the law clearly states, '' If a consumer notifies a debt collector that the consumer retuses to pay a debt the debt collectar must cease all communication '' ( 15 usc 1692c ( c ) ). I did not claim this debt cause it's not mine and also refused to pay and disputed this debit. Reporting to my credit is a form of communication.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Experian is reporting very low credit scores to business places where Ive applied. I try to get in contact with them but there is NO POSSIBLE way. I downloaded their app where they advertise a free report online. I did so about a year ago also but it consistently would NOT ever work. And then I found out this XX/XX/2020 they reported a very low credit score.
Consumer complaint received 2020-08-07
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$120.00} XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$44000.00}
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (IL)

I have been a member of American Express since XXXX. In XX/XX/XXXX, they unilaterally reduced my credit limit by {$12000.00} - from {$19000.00} to {$7000.00} - bringing my limit within a few hundred dollars of my balance. The first time I used my card since XX/XX/XXXX was not until I traveled the first week of XX/XX/XXXX. When I checked into my hotel, my account immediately was over the credit limit, which shocked me. I did not receive notice of the reduction.I contacted American Express and the representative indicated communications would have been sent to me but has no record of a letter or email and they are telling me my time to appeal the decision has expired. I have no derogatory marks on my credit report, I have paid this trade line and all my trade lines on time since the beginning of my credit history, I have had no break in employment and my salary is over $ 200k annually. I rely on this card for travel. 

This reduction in my credit line has had a severe impact on my credit score, which has caused me harm because I recently applied for a mortgage pre-approval and was told my rate would be significantly higher because my credit score decreased to under 700. The practice of unilaterally decreasing a credit line by this substantial amount and so close to the balance is a unfair and deceptive practice, which has resulted in consumer harm.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (ME)

I have a mortgage with Central Mortgage Company. I was a few days late in 2013 and they waived the late fee. Over 2 years later I was late by 2 days and they assessed a {$69.00} late fee which they would not consider waiving. The following month my payment was timely but they rejected the payment after the time period for when payment was due making the payment late. They assessed another {$69.00} fee to spite their agreement that there was no way for me to make this payment on time. 
They are abusive and their actions should not be allowed.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MO)

1 ) Last summer when I 1st opened up the account they had misspelled my name 's on my ATM cards at this Regions Bank and then the 2nd card they mailed to a false address I went quite a few days and weeks without a functioning ATM card.

2 ) Last XXXX  I had my entire bank account wiped clean from an online predator and I filed reports with the FBI and the police department and Regions Bank never refunded my money and they're supposed to be FDIC insured 3 ) And lastly and without just cause I deposited a check last Friday they're saying they're holding it for over 2 weeks and they will not give me the reason why I am in serious financial  hardship and now because of the Corona virus not being able to work are having an income it's really put a stress on my day-to-day life eating gas and my bills I have filed several complaints with multiple agencies as well as the bank but they will not do anything about it they wouldn't refuse to give me back my check and they refuse to deposit the money.
Consumer complaint received 2020-03-18
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: U.S. BANCORP (CA)

My name is XXXX XXXX XXXX us bank and My Credit Card account number is XXXX XXXX XXXX XXXX I had stolen my card and someone had swiped my card fraudulenly on XX/XX/2019{$8.00} and {$12000.00} from XXXX XXXX  which I had never authorized anyone..
Consumer complaint received 2020-03-18
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: JPMORGAN CHASE & CO. (CA)

Hello, I applied and was approved for a Chase XXXX  Credit Card on XX/XX/XXXX. There is a award of one Free Night if I meet certain spending requirement. In their terms it said : " Free Night Award After {$15000.00} in Purchases : If you, as the primary cardmember, spend at least {$15000.00} in purchases during an Anniversary Year, you will receive a Free Night Award good for one ( 1 ) night in any available standard room at any XXXX  hotel or resorts designated as Category 1 through 4 under the World of XXXX  program. This Free Night Award may be earned once each Anniversary Year regardless of the amount of purchases in such year. ( Anniversary Year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. ) '' It clearly defined the Anniversary Year. My timeline is : XX/XX/XXXX card opening XX/XX/XXXX first statement XX/XX/XXXX 12 monthly billing cycles after that And my spending is : {$12000.00} until XX/XX/XXXX, {$15000.00} until XX/XX/XXXX, and {$15000.00} until XX/XX/XXXX. 

I've waited a month for the free night award before reaching out to Chase several times. Surprisingly, after thinking it was wrong and promising to investigate, eventually Chase denied their own terms and refused to give me the reward : " Please be assured that your account has been reviewed extensively and still does not qualify for the free night after {$15000.00} in purchases. Spend was not met and therefore the night was not issued ... Whether contacted by phone, in a local branch, email or letter, our decision will remain the same. '' I have actually talked to a few bankers in my local branch, they all supported my claim. But response from Chase seemed prohibiting me from further escalations inside Chase. I am only able to be relying on you to give me the justice. 

Attached are the terms ( it didn't change all the time ), and my bank statements that involves spending. 

Thank you so much and I appreciate your help. 

Thanks, XXXX
Consumer complaint received 2020-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VT)

Wells Fargo Line Of Business Escalated Complaints Acknowledgement & Case Manager Introduction Thu, XX/XX/2020 XXXX XXXX ( XXXX XXXX To : you Details Dear XXXX XXXX, We wanted to let you know that we have received your inquiry, and our research team expects to provide you with a resolution within 10 business days from XX/XX/2020. 

As part of researching your concerns, we may be reaching out to get more information but were here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, we can be reached at XXXX from Monday through Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX Mountain Time. 

For reference, your case number is XXXX Thank you. 
We appreciate your business. 

Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC I have made several phne calls to Wells Fargo and tried to resolve the issue. They do not call me back and do not even email me. I was hung up on a call today XX/XX/2020. I have a XXXX retirement account with Wells Fargo and attempted to set up an online account to access it. The person who originally set up account was ok. My quarterly by mail paperwork that comes from Wells Fargo Retirement Services suggested to open an online account to access up to date information on this account. I did so. It also talked about 2 step authentication for added security. When I attempted to set up 2 step authentication my account got locked.It has been 3 weeks and employees at Wells Fargo I have spoken to do not know how to fix problem. They tell me I must visit a branch to resolve issue. I worked for XXXX and they have hundreds of employees all over XXXX XXXX in states with no Wells Fargo Banks. Are all of us not going to be able to access our accounts online? All I asked them to do is unlock account and help get 2 step authentication set up and they don't seem or are unwilling to do so. This is the worst bank I have ever dealt with in 40years of banking. They have very unprofessional and ignorant people who can not properly give excellent customer service. They closed my last case above saying I need to go to a branch to get it resolved.Lowes should consider replacing Wells Fargo as there Retirement Account Manager.