davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit 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 (NV)

Dear Sir/Madam, On XXXX XX/XX/year>, I have applied the XXXX XXXX American Express XXXX XXXX XXXX American Express XXXX In the application page, it is advised that I can receive XXXX XXXX points as the welcome bonus, after I spend XXXX USD within the first XXXX months of card membership. In my application process, there is no warning informing me that I was not eligible to receive the advertised welcome bonus. Normally, if a new card member is not eligible, there will be a pop-up message. My application quickly got approved and the new account was established on the same date. After I receive my card, I used it for daily purchases. 

On the evening of XXXX XX/XX/year>, I contacted American Express customer service through their XXXXXXXX XXXX chat function, to check if my spending has already met the requirement for welcome bonus. However, I was informed by the customer service representative, XXXX, that there is no welcome bonus with my account. Her original words are " The welcome offer has been denied for this card on your account, it was cancelled after the card application ''. I requested to talk to the supervisor. However, the supervisor said that there was a warning informing me that I am not eligible for welcome bonus, but I missed it. The statement made by the supervisor is completed contradicting to the statement made by the customer service representative. 

The customer service representative admitted that " the welcome bonus is cancelled ( by AMEX ) after card application ''. I regard this as a serious business misconduct and cheating of credit customer to apply for a credit card. The advertised and promised welcome benefits was cancelled unilaterally by American Express, after the card is approved, and the annual fee is paid. This is a unilateral violation of contract, as well as a misleading and fraudulent advertisement. The promised terms in the public advertisement is never fulfilled. 

Therefore, I demand American Express to immediately reinstate the welcome bonus in my account ( XXXX XXXX points upon XXXX USD eligible spending ), or reimburse me with appropriate cash with equivalent value. American Express should be demanded to review its internal policies. Cancelling a promised welcome term, after the credit card is accepted, and annual fee is paid without even notifying the customer should be strictly prohibited. 

All the evidence, including XXXX XXXX  messaging records with American Express customer service are kept. I am happy to provide any other information to assist your investigation. 

Thank you for your time in reviewing my compliant against American Express. Please accept my hearty gratitude for your hard work in making quality consumer financial services fairly delivered to all Americans. 

I am looking forward to hearing from you soon. 

Best regards, XXXX XXXX
Consumer complaint received 2023-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, XXXX & the employees thereof
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX . I have attached highlighted removed accounts.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (NY)

I was a consumer that had been hit by Wells Fargo Mortgages/Non modification team and was even served by controversial WF appointed Lawyer XXXX XXXX XXXX ( whos employees were caught in XXXX XXXX and also pretending to be homeless for their XXXX costumes - mocking their foreclosure cases ). He himself told us that we could not REfinance and he petitioned to put the house in foreclosure. We had to dig our way out of this and even then had to pay back fees on top of back mortgage. Wells Fargo has not contacted me to offer any kind of resolution or settlement per the press release that came out in XX/XX/2022. How do I proceed from here?
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (VA)

In accordance with the fair credit reporting act Destiny Mastercard Account # ending in XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for on purpose.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (FL)

I need to withdraw my USD money from blockchain.com They say that I can do it only by wire. OK. I don't mind. But when I follow their instructions to withdraw my money the process is being blocked on one place all the time. During several days I try to explain them that I can not finish withdrawal because something is blocking the process. But they send me by email the same instructions which I know already and which do not work. They do not call me or contact me to fix an issue. Just simply repeat the same email with withdrawal instructions. I don't know how to withdraw my money.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with Equifax, XXXX, and XXXX. I already file an FTC report.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

VenMo suspended my account and the only communication I received was an email referencing another email which was never sent. There is no summary of the reason ( s )? why the account was suspended nor has anyone provided me with any remedy. 

Of primary concern though is VenMo 's repeated request for me to upload a copy of my government issued ID ( which I've done twice now using the link provided in an email ) yet VenMo is sending communications which indicate they have not received the file. I'm sending a document filled with PII and the instructions from VenMo appear to not be correct so where is my email and the PII going? 

Oh, and my account was suspended making a payment to a tenant to return their security deposit. VenMo suspended my account then still took the money from my account but now I can reactivate my account because there is no one providing the needed instructions to " unsuspend '' my account and I can't cancel the transaction.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (CA)

The company refused to approve an Apple Card for me. I haven't use credit cards for the past 25 years. I don't want to use credit cards, but now I want to get a credit card from XXXX Co., since they have an interest free loan option for buying a computer. My computer is old and is not working. I need a new computer, because I am back in school. 

Goldman Sachs wrote me an email the other day, telling me that I am creditworthiness, because I don't have credit cards, and because I have a large student loan. 
Nonetheless, my XXXX XXXX is XXXX, and I just received a new student loan from the U.S. government. If the U.S. government trust me, why can't Goldman Sachs do the same? 
Thank you for your help. 
XXXX XXXX
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

I deposited {$35000.00} onto Coinbase on XX/XX/XXXX, which I withdrew {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$7000.00} bringing my total deposit to {$17000.00}. On XX/XX/XXXX, they locked my funds for 30 days upon deeming my activity suspicious. On XXXX XXXX XXXX days after they locked my funds, I got an email saying my balance was available. When trying to sell my USD Coin and trying to transfer the funds to my bank account, an error message prompt appeared saying my account was still restricted. That same day, I opened a support case where they updated me over several days saying that they were reviewing my account. Today, on XX/XX/XXXX, they sent me another email saying they were closing my case without any information detailing why. I was still unable to withdraw my funds to my bank account, so I called them again. They said my account was blocked until XX/XX/XXXX now, and said they couldn't give me any details as to why. I realized they're probably just putting me through what seems like an infinite loop of dealing with their customer service to no success to steal my funds while using their excuse of not being able to state why they're doing what they're doing. I'm frustrated, and tired of playing nice, and I will speak with my lawyer about pursuing this if this issue is not resolved.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My credit card was stolen around XX/XX/XXXX and a replacement card was requested from my bank ( Bank of America ). However the suspect was able to use my original bank card while I was waiting for my new card to arrive in the mail and use it at various locations listed below without my consent for a total charge of {$1000.00} The amount was posted to my credit card account on XX/XX/XXXX. 
XX/XX/XXXX - XXXX XXXX {$140.00} XX/XX/XXXX - XXXX XXXX XXXX {$270.00} XX/XX/XXXX - XXXX XXXX XXXX {$64.00} XX/XX/XXXX - XXXX XXXX {$160.00} XX/XX/XXXX - XXXX {$200.00} XX/XX/XXXX - XXXX XXXX {$110.00} XX/XX/XXXX - XXXX XXXX {$78.00} I filed a fraud claim to the bank on XX/XX/XXXX but it was rejected and the amount was still posted to my account. The reason was " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I called customer service again on XX/XX/XXXX to dispute this result because my card was stolen and I did not make these transactions but they would not allow me to file a new claim or reopen the older claim. I have filed police reports because my card was indeed stolen.
Consumer complaint received 2023-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, Illinois XXXX XXXX XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX family of schools was investigated by the board of education and closed entirely last year. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as the XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against Illinois XXXX XXXX XXXX, and my Fed. loans are scheduled discharged and my credit repaired.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Thank you! 
XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (FL)

hi good afternoon My name is XXXX XXXX XXXX and i have not make credit report more 10 year and isee that have lot inquiries on my file that i see see credit card that i never apply for one other information someone stole my identities and make report to IRS about it but i still have information on my i have student loan yes i due have that and car payment i don't have XXXX XXXX  i sale my car to other dealership and i don't own money to this companies and i send full report to you can see if remove
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I opened a smartly checking account with US Bank using the promotional code XXXX. Although this promotion is no longer active, what appears to be the same promotion is running here XXXX XXXX XXXX XXXX  The terms of this promotion, which I have met, and which multiple representatives have confirmed that I met are as follows : " Open your checking account online through this page, in a branch or over the phone by XX/XX/XXXX with an opening deposit of {$25.00}. Then, within 90 days of account opening, enroll in the U.S. Bank Mobile App or online banking and make at least two direct deposits. 

Earn {$500.00} when the combined total of your direct deposits is {$10000.00} or more '' I completed {$10000.00} in direct deposits from my employer by XX/XX/XXXX and was already enrolled in online banking and was regularly using the US Bank mobile app. The representatives that I spoke to over the phone on XX/XX/XXXX and XX/XX/XXXX both confirmed that I had met the requirements. The first representative I spoke to said that a research request was submitted which would take up to 5 business days and I would receive an email on the result. I did not receive an email response on the result. The second representative was unable to find the result of the research request, and wanted to open a second research request. 

US Bank has acted in bad faith and failed to honor their deal or articulate any fair reason for doing so.