davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I opened AMEX XXXX XXXX card on XX/XX/XXXX. The welcome bonus offer was 50K XXXX skymiles, 10K MQM and {$100.00} statement credit.

In past, AMEX had clearly communicated via " welcome bonus qualification tool '' if i'd be ineligible for welcome bonus before submitting the application. However, i didn't receive such messages and was instantly approved for this credit card online.

I've already paid the annual fee of {$190.00} as of XX/XX/XXXX statement and when i called AMEX to inquire about the status of my welcome bonus offer, to my surprise, i was told by CS rep that welcome bonus is declined for me. They never informed me that i'm not eligible for welcome bonus offer until i asked them. When i asked them to inquire about this, they are accusing me of misusing the system by enjoying welcome bonus and not using the cards in subsequent years. Talking to customer rep, i was told that I enjoyed XXXX or XXXX XXXX card welcome bonus. However, that's not true as AMEX ended it's relationship with XXXX and moved that card to XXXX ( i'm still using it on everyday ) and XXXX moved XXXX cards to AMEX. So they are making this judgement because i've few cards that were transferred out or in and not in use much.

I'm surprised that, they never informed me about this before submitting the application or charging me annual fee. The customer service rep have been very rude and unhelpful even after multiple attempt to resolve it.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2019, I initiated a {$10000.00} transfer from my Capital One account to my XXXX account. I am the sole owner on both accounts. Capital One unduly profiled the transaction as suspicious based on discriminatory reasons, froze my accounts and notified me all my accounts were frozen.

I called them right away and spoke with a member of the security team who subjected me to a series of prying Securities questions and steps to verify me and that I had initiated the transaction. After I patiently and successfully complied to all Capital One uncalled for security steps, I asked the agent if everything was in order and he confirmed that it was all good.

The next day, I found out from XXXX that the {$10000.00} transfer was reversed by Capital One from under my nose.

Capital One never bothered to inform me this would happen at any point in my dealing with the security team, on the contrary they said that it was all good.

I followed up many times since I found out from XXXX about the illegal transfer reversal by Capital One and my funds are still to this day not back on my account. It is now the XX/XX/XXXX and Capital One is still not telling where my funds are.

No one from Capital One Customer Service or Capital One security team bothered to give me updates ( I have to call them every single day to get different answers ) and they tell me they have no control over this ; when they are the ones who purposely made the mistake and created this mess.

I believe I have been profiled/discriminated against as there was no objective/factual reason under the sun to flag my transaction as fraudulent. It is a regular domestic transfer from one account I solely own to another account I solely own, that I also went through the extra step/hoops of thoroughly verifying on the phone with the security team at Capital One.

I am asking full reparation : my funds + compensation for interests lost and for the time spent dealing with this ordeal and aggravation I have been through.
Consumer complaint received 2018-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I transferred money both through online banking and teller transfer with bank of America to another bank of america account which later turned out to be fraudulent. I filed a police report with the local police department and there is warrant out for the persons arrest with that account. I filed a claim with bank of america and they didn't do anything about it. I called again to the police department and they said file a complaint with bank of america because they should do something about it
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

On my report via XXXX XXXX XXXX whereas I'm an authorized user the remarks says consumer disputes, reinvestigation in process, please remove remark, I did not dispute this account, XXXX XXXX XXXX, open XX/XX/2001, balance XXXX. Please remove remark.
Consumer complaint received 2018-12-28
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. (NV)

I have tried calling multiple numbers at Experian without avail. The phone tree menu narrows until you have run out of options, or they direct you online. I can't even reach a human in their billing department. 

I noticed this month that Experian double charged my account {$25.00}. I reviewed prior months statements, and noticed this has been going on for months and months. 

It is literally impossible to reach a human at this company. 

I have emailed them at XXXX. I'm currently on hold for over 30 minutes just to try to reach customer service!
Consumer complaint received 2018-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

i purchased a XXXX XXXX XXXX from XXXX XXXX and got the vehicle financed through santander corporation. all through the duration of my auto loan i was assessed all sorts of fees monthly from the start of this loan until i was able to getting credit from another lender. my vehicle was re-posessed and pulled in by company and i had to pay an astonomical amount of money in fees to get my car back. i constantly was on the phone with santnader trying to understand where all the excess fees were being billed to me and no matter how and when i made my monthly agreed upon payments, i was always asessed all the extra fees. i tried escalationg to a manager to no avail. i wrote letters and made weekly phone calls trying to get my account current. santander is an unreputable company and with questionable practices of blling, fees and no customer service. Please make a call to their this company yourself and see the response that you get.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

They constantly call asking for XXXX XXXX, I have told them for years that this is not her number anymore and they still call. This one today was from TRANS WORLD SYSTEMS calling from XXXX. They change their number frequently so I cant block them. I am not the person they are seeking and I have no idea who she is.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

Company reported me 30d late when I was not. My XXXX report indicates the delinquency on the month of XX/XX/XXXX reporting which indicates that the XX/XX/XXXX payment was delinquent ( due to 1 month in arrears reporting ). I made my payment, which was drafted from my bank account on XX/XX/XXXX. I attempted to dispute the delinquency of both XX/XX/XXXX and XX/XX/2018. The company sent me a generic letter advising that they were reporting accurately. THE LETTER GAVE ZERO DETAILS. what month did they research. What was the date of payment receipt? Date of phone pay? I reiterate that I was told by the representative whom confirmed with their manager that I would not be reported delinquent on either my XX/XX/XXXX or XX/XX/XXXX payment ( not sure now that the report is saying XX/XX/XXXX late ) There is recording of my conversation and my multiple reassurances that there wouldn't be any negative reporting when I spoke to them in XX/XX/XXXX. I also believe that they took an alternative ( manager approved exception ) payment method of credit card as opposed to their standard check/bank account transaction. 

Responsible Servicing- inaccurate information provided multiple times which caused me financial harm FCRA- previous response did not address specific items disputed, credit report was not suppressed for 60d after the dispute, & request for the CBR research department to remove the XB dispute notation not fulfilled ( on recorded call when I initiated the CBR dispute )
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2016 I recieved an unlawful detainer it was for a no money judgement it was only for posession of the property. That being said the property was recieved on XX/XX/2016. This matter is still showing up on my credit report even though there is no debt amount i have exausted all measures to try and dispute it with the credit beauro and the credit reporting agency i have also reached out for legal help and no one is able to resolve this issue. The legal aid i did reach out to does not understand why it is showing up on my credit report at all seeing as there is no debt amount. This matter is preventing me from getting housing and i am currently homless
Consumer complaint received 2022-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I contacted mortgage loan servicer SPS on a number of occasions to request the automatic termination of PMI payments in accordance with my loan agreement. The date listed in my original loan agreement with XXXX for automatic termination is : XX/XX/XXXX. My account history shows that I am well within what is defined in the contract as " good payment history ''. I provided copies of the document to SPS who insists I need to pay an appraisal fee of {$450.00} in order to have the PMI payments removed. The original purchase price on XX/XX/XXXX was {$270000.00}. The current value of my townhome is over {$40000.00} and readily available based on current sales of identical properties in the development.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of educationXXXX XXXX XXXX XXXX USDOE/XXXX 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.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

On XXXX XXXX at aprox XXXX i deposited {$800.00} into the atm at regions bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX the deposit never went thru and the atm took {$400.00} & spit out the remaing {$400.00}. i called the XXXX number on the back of the card and filed a dispute as soon as it happened. they credit my account for the {$400.00} but after the investigation the bank claims the atm was in balance and decided to take the {$400.00} back. i called the bank and spoke to XXXX the branch XXXX and asked her to write a ticket for the surveillance camera from the atm to be reviewed so she can clearly see me trying to grab my money and if the canera has speakers u can hear the atm gargaling the rest of the money. also you can clearly seeanother car comes behind me like XXXX min later and do something fishy as if there was a credit card scimmer installed there. but she claimed nothing could be done.
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019. My niece got a call saying that the Sheriffs would be out in an hour or so to arrest me. So I called the phone # back & I talked to a guy named XXXX from XXXX XXXX XXXX XXXX in which he never enclosed who the debt was from or even what company he worked for. He just said I owe {$3900.00} & wanted pymt. He threatened me with the Sheriffs coming out & getting a judgement against me, plus going to my place of employment to get a 25 % garnishment if I didnt pay the debt that day. I told him I didnt have it & that. But he kept on threatening me & intimating me. So I ended up paying {$390.00} so I could sent up a {$100.00} monthly pymt plan. This debt is at least XXXX old.
Consumer complaint received 2019-09-02
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: SYNCHRONY FINANCIAL (TN)

I received an email alert from XXXX XXXX that XXXX had reported a hard inquiry had taken place into my credit on XX/XX/2019 by SYNCB/Paypal. I did NOT authorize, request, or give permission for any inquiry into my credit. This has been done without authorization and I am afraid is a sign of fraudulent activity. While no unrecognized accounts or charges have appeared on my account to date, I am afraid this inquiry is a step in the process to open a fraudulent account in my name. 

I requested a free credit report online from XXXX which does in fact show the hard inquiry did take place on XXXX XXXX, 2019. The XXXX  report shows that the company ( Syncb/Paypal ) submitting the request supplied an incorrect address for me but they allowed the credit inquiry anyway. I attempted to dispute this fact on my report directly with XXXX. I have tried multiple times to use their online disputing tool, but it does not seem to be working properly and would not let me create an account to dispute. 

After researching online, I have discovered that this problem ( hard credit inquiries by Syncb/Paypal ) is quite a common event and many people have previously filed complaints. These inquiries should be blocked.
Consumer complaint received 2019-09-02
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 — Their investigation did not fix an error on your report
Company: Transfinancial Companies, Inc (LA)

Upon pulling my credit reports I noticed that I have two accounts with Transfinancial Companies on my credit reports in the amounts of {$1100.00} and {$1200.00} reporting. I have disputed this information on several different occasions asking for validation of this debt as I think that there is an error in the companies reporting these debts. The company has failed to provide any validation of these debts under the FCRA regulations. I would like these accounts to be removed promptly as it is impacting my credit worthiness.
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I recently applied for a shell rewards credit card which Citibank requested a copy of my credit report from XXXX I received a letter stating I was denied due too an account in default with lender or affiliate with lender, I do not have any account in default with Citibank the only card that I recall having affiliated with Citibank would be a Macys department store card which was included in my bankruptcy which was discharged XX/XX/2018 I called Macys at the time too reaffirm this account because I did not wanted included in my bankruptcy but was told just too reapply. I dont understand why I was denied for this shell rewards credit card? My XXXX credit report has no negative accounts aside from one public record of my bankruptcy.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (FL)

On XX/XX/XXXX the account was charged an overdraft fee when not overdrafted. The account was at {$16.00} AFTER a {$36.00} overdraft fee was charged. The next day the account was charged another overdraft fee after a different purchase put the account in the negative because of the fees. There was a deposit of {$370.00} that put the account back in the positive. 

On XX/XX/XXXX, the account was hit with 5 overdraft fees for {$180.00}. The account after the purchases were made was at {$130.00} and only went negative because of the excessive fees. The account was then at - {$50.00}. I transferred {$300.00}, which did not post until the XXXX. 2 more overdraft fees were incurred on the XXXX. The account is currently negative at - {$130.00} because of {$320.00} of overdraft fees. At most, the account should have been charged 1 overdraft fee on XXXX but that also would not have happened if not for 2 dubious overdraft fees on the XXXX and XXXX. 

I have contacted the company and filed a complaint with XXXX as this is the 2nd time the company has appeared to use creative accounting to maximize fees.
Consumer complaint received 2019-07-01
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: Colony Brands, Inc. (AL)

Yes I got credit people to dispute with Ginny account I don't own no account like this I don't know my personal account like this and I asked for the coming to investigate it and to remove it and I said they just put on my credit report to my day going to let us stay then how you going to let something stay there and it don't belongs to you and then you said somebody use my name and my ID all my information and I don't recognize this and I don't want this account and I want it off my account and I mean it do I have to hire me lawyer to remove all this and plus I got some old account that has been on there for years old hospital bill and it also don't supposed to be on it I want it removed immediately all my credit report I'm going through some stuff now and trying to dispute a lot of stuff that don't belong to me and I asked for a dispute that Jenny account it's not mine I don't own no account somebody stole my identity use my personal information I want it removed from my account asap call when you're busy investigating something they supposed to get down to the nitty-gritty my ID was stolen seem like to meet at a new day job I want it removed I want to repeat it I want to dispute it off my account right now
Consumer complaint received 2019-07-01
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. (FL)

id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX  XXXX XXXX credit closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX   {$36000.00} 4 ) Dept of ed/XXXX {$36000.00} 5 ) XXXX {$4600.00} 6 ) XXXX XXXX XXXX   {$3700.00} 7 ) XXXX XXXX XXXX {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) XXXX XXXX
Consumer complaint received 2022-12-26
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. (NY)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-09-01
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: Bread Financial Holdings, Inc. (MI)

my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.