davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, I go to Citi Bank XXXX  XXXX ( CA ) branch to open a bank account where the staff XXXX XXXX ( NMLS XXXX ) told me I am eligible for the offer of {$400.00} bonus. XXXX told me within 30 days I need to deposit {$15000.00} and maintained the account for 60 days then I will get my bonus. I accomplished the deposit for {$15000.00} in XX/XX/XXXX and in XXXX I called the branch to see why my bonus didn't come in. XXXX told me I need to maintain the account for another 90 days which she NEVER mentioned when opening the account. So I waited till XXXX, still nothing in my account. I called back again and she said I was missing the XXXX form which I need to go to the bank and file the document and the {$400.00} will be wired within 10 days. I did go to the bank on XX/XX/XXXX and she filed the document for me, after more than 10 days, I called the customer service since I still didn't get the offer. They help me to file an investigation, another 10 day passed, I call the supervisor and was told that a mail had sent out on XX/XX/XXXX informing I met all bonus conditions, but I didn't receive it at all. I called it again and this time I was told that I need to open another saving account. During the whole process, the agent XXXX XXXX who is responsible for opening the account for me had never mentioned once about the saving account. I did ask about the saving account and she told me it's fine to not open it, it won't affect the promotion. I know for sure just because I asked and she did respond to me and my spouse that way. Citi could review the footage to prove that. It's been more than 6 months and she didn't even mention when last time I went to file my XXXX as her request on XX/XX/XXXX. I asked about why the offer didn't come in after I qualified all the requirements. She said it's because of the XXXX form, once we filed it, the money will be transfer in 10 days. The supervisor helped me to transfer to another agent XXXX who promise to escalate the case for me on XX/XX/XXXX. This bank error by staff caused me 6 months and still got nothing of my {$400.00} as XXXX promised. Please help, thanks.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX / XXXX ... XX/XX/2017... I disputed the balanced. XXXX / XXXX closed the account not allowing me to make payments. I made several attempts to make the payment before the due date. The account is question has been paid in full but after the due date because XXXX XXXX XXXX would not allow me to make a payment
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I received a 30 days late on my credir report I wrote to XXXX bank / belks because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in XX/XX/XXXX and it went toward the XX/XX/XXXX payment. on my credit report it shows the account closed but there is another account still open on the credit report this account have not closed.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On the evening of XX/XX/2018 I discovered that was unable to login to my HSBC USA online account.

I called the bank 's customer service number. Their phone system verified my identity through my phone number, account number, voice print, and last 4 digits of my social security number. Customer service told me that my online access is blocked. They refused to tell me why I was blocked. They refused to tell me my account balances, claiming that it would be a breach of security to tell me my balances, even though my identity had already been verified by the phone system. They insisted that in order to restore access, I needed to call the security department at XXXX during their business hours M-F XXXX - XXXX EST. 

I called the security department at XXXX EST on XX/XX/2018. After I identified myself through the automated system, I was put on hold for 9 hours, by which time I got a recorded message telling me to call back  during their regular business hours. 

A representative from the bank 's customer service also tried to call the security department but never got a human response. 

On XX/XX/2018, I again tried to call the security department, but again, I got put on hold. 

When I complain to customer service that no one at the security department answers, they tell me they can't help me. They insist that I must call the security department, and then they transfer me to the security department which never answers. 

Meanwhile, I am still unable to login and the bank denies access to all my funds on deposit, which include a checking account and a savings account. 

The bank has my phone number, email address, and mailing address. Yet I have not received any communication from the bank informing me that my online access has been blocked. I only discovered the blockage when I attempted to login.
Consumer complaint received 2018-04-19
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: EQUIFAX, INC. (SC)

I have asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. Equifax had removed the public record then they re-inserted it causing my fico score to suffer.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I saw the advertisement online for a {$350.00} bonus after opening an HSBC Advance checking account and following several requirements : XXXX XXXX XXXX I opened the account on XX/XX/2018, deposited {$10000.00}, and left the money in the account for several months. After the 90-day window after which the bonus should have been given passed, I called HSBC several times. At first, they confirmed that I qualified for the bonus and told me the bonus would be given after 6-8 weeks of processing. After waiting 8 weeks and not receiving the bonus, I called several times again and was eventually told that I actually did not qualify for the bonus as they claimed I had not clicked the correct link when opening the account. However after several phone calls they can not tell me where I had signed up that was apparently the wrong place. 

In summary, I opened a checking account that fulfills all the advertised requirements for a {$350.00} bonus, but HSBC will not give the bonus because they claim I clicked the wrong link.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Finance Company, Inc. (KS)

I have received phone calls on a frequent basis for the past several weeks from my local area code, each time a different call. I have answered at least 2 of them and both times they said they were from Professional Finance Company Inc ( PFC ) in XXXX, Colorado, calling about a debt that I owed. The area code on the numbers they were calling from is not their area code, but an area code I used to live in, which leads me to believe they are phone number spoofing. I asked the second lady I spoke with why they did that and I got a generic ( I'm paraphrasing here ) " we make a lot of calls to different areas, and people are more likely to pick up if they see a local area code listed '' response. 

The debt I owed is apparently a year and a half old water bill to a city that I no longer live in. Today I paid that bill to the city after getting in touch with them, as I did not feel comfortable giving all of my information to a caller whose identity I could not verify ( I did not know when I spoke with PFC that I could request their license number ). I am firstly disappointed in the city for not reaching out to me despite them having my contact information ( but that's another issue ). Secondly, I am concerned that PFC won't stop, given the numerous complaints I have read about them online. I am also concerned for myself and others about them spoofing phone numbers. 

I am not strongly literate when it comes to various laws, but it doesn't look like they are violating the FCC 's Truth Under Caller ID Act or the FTC 's Fair Debt Collection Practices Act directly ... however, in in my opinion, this sort of tactic is problematic and should be unlawful. Like I said above, I could not verify the caller 's information by phone number because any scammer could spoof phone numbers, XXXX any collection agency 's information and provide it if they are asked, and scam individuals that are uneducated on their rights and laws pertaining to this situation. If phone spoofing by collection agencies was illegal, the average consumer would not have as much to fear. 

https : //www.fcc.govXXXX https : //www.ftc.govXXXX
Consumer complaint received 2018-12-07
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 (NY)

I have a 3 American Express Platinum cards which cost me over {$600.00} a year in annual fees, providing the highest level of benefits and service Amex offers to consumers. On XX/XX/XXXX, I created a hotel reservation using my rewards points by accident and called the back of my card immediately. The hotel charge was worth {$440.00} but I used points for the entire purchase. I explained that I was just trying to look at how many points the reservation would cost and that I accidentally clicked on the book button. The call was only 7 minutes long and the person I spoke to from Amex ( his name was XXXX ) said no problem and gave me my points back. I assumed that meant that the reservation was also canceled since I clearly stated at the beginning of the call that I was only trying to see how many points it would cost and did not mean to book it. A couple hours later, I realized that the original hotel reservation I made was the best deal and used my points ( which had been reserved immediately ) to book the same hotel again. 

When I reached the hotel in XXXX, XXXX on XX/XX/XXXX, they said I had 2 exact same reservations in my name. They would not let me check in until I took both rooms even though I only needed one. I immediately called Amex and explained the situation. They opened up a ticket and said they would investigate. One supervisor from membership rewards even admitted on a recorded line that it was an Amex issue about 65 minutes into the call, stating that the membership rewards rep should have contacted Amex travel to cancel the reservation. Over the course of XX/XX/XXXX - XXXX, my wife and I spent over 4.5 hours of call time speaking with Amex. We had 7-8 different individuals ( reps and managers ) tell us they would open a dispute and personally promised to get back to us, but none of them did except the last one. No one gave us a timetable for resolution, no one followed up, and we had to call every 2 days asking for updates to no avail. We finally spoke with a supervisor on XXXX who read the transcript of the call on XX/XX/XXXX and said they would not be refunding, even though in the beginning of the call I stated that I accidentally booked the hotel and was just trying to see how many points it would use. 

I was naturally furious and canceled the card immediately. I have no trust in Amex after this experience and never will work with them for a personal card again. They had no remorse, no offer of trying to fix the situation, no acknowledgement of the horrible customer experience, and no satisfactory resolution.
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

The first time this company reach out to me was via email. The same day they emailed me my mother received a phone calling telling her if she didn't return the call rearguards to me she would then be charged ( a voicemail was left and saved with this message ). I reach out to them told them i paid the debt they said to send proof. I sent the letter i received and used the last time i was contacted about this same debt. I also told them this was now the 3 agency to contact me about this debt and i don't understand why. They told me they believe this was one that was accidentally double sold and after i take care of it it should be the last time. I sent the letter and they emailed me back saying the company i paid is fake, the letter doesn't give proof i paid it and so on. They then have called me numerous times on my cell phone and on my work phone. I told him to cease and desist all calls when he called me work, he then called my cell phone and wanted to argue telling me hes helping me. I told him to send me a letter he said we did an email, i said no mail and do not call me anymore and then hung up.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OH)

This has been an ongoing issue with their OD charges. I would use my card and have the funds available, and Ill see the items on my account a pending authorization. As soon as the items post my account is negative and Im getting NSF fees for items that were already pulled from my available balance. Ive been told multiple time how they post items and I follow what theyve told me but Im still getting fees and the run around. No one wants to correct look into this issue. Ive been mislead by this bank time and time again.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

I recently got a copy of my credit report & I saw a company " Caine & Wiener '' stating I owe them {$5700.00} for XXXXXXXX XXXX XXXX XXXX. I've never rented a car from them. I contacted the police & they told me I may have been a victim of identity theft.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

it has to do with the reporting of my XXXX account. 
1 ) company is reporting differently to 3 credit bureaus per attached 2 ) XX/XX/XXXX on my XXXX, XXXX started reporting FP -Failed to Pay. XX/XX/XXXX they decided to change reporting to 120 days past due ; XX/XX/XXXX they went back to FP ( Failed to Pay ) ; XX/XX/XXXX they again reported 120 days past due. 
Since the account started report on XX/XX/XXXX FP I was beyond 120 days late. Therefore 120 days report in XXXX and XXXX of XXXX is incorrect and should be reflect FP.
Consumer complaint received 2021-11-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC (NJ)

Received an alert on my credit report XX/XX/2021 for collections. I immediately paid {$31.00} to have all XXXX credit reports pulled. XXXX credit report showed a collection for {$1100.00} by Quality Asset Recovery , LLC. I was not familiar with the name of that company, so I started a dispute, which indicated the original creditor, XXXX XXXX XXXX, XXXX I've had XXXX  services completed by XXXX XXXX XXXX XXXX XXXX in XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was pre authorized ( took XXXX weeks ) prior to my visit. XXXX 's are covered service under the health insurance plan. Upon further investigation on XX/XX/2021, I reviewed my online Insurance EOB statments and found that XXXX XXXX XXXX never submitted a claim against my insurance. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have no documents to attach except a screen shot from my credit report.
Consumer complaint received 2018-12-07
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. (GA)

XXXX XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy
Consumer complaint received 2018-12-07
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: Experian Information Solutions Inc. (GA)

Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX
Consumer complaint received 2019-03-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (MI)

AMERICOLLECT INC. ( ON BEHALF OF XXXX XXXX XXXX XXXX ) IS TRYING TO COLLECT AND CLAIM TWO DIFFERENT AMOUNTS THAT ARE OWED ACROSS TWO DIFFERENT CREDIT REPORTING AGENCIES. 

ON THE LATEST XXXX  CREDIT FILE, AMERICOLLECT INC CLAIMS THAT A TOTAL OF USD XXXX WAS OWED AND POSTED A COLLECTION ON MY ACCOUNT FOR USD XXXX. 

I TOLD THE REPRESENTATIVES I SPOKE WITH THAT I HAVE NEVER RIDDEN IN AN AMBULANCE BEFORE AND MY IDENTITY AND MEDICAL HEALTH INSURANCE CARDS WERE LOST OR STOLEN AND SOMEONE MADE 8 ADDITIONS TO MY POLICY PLANS AND ADDED 8 ADDITIONAL DEPENDENTS BUT THE REPRESENTATIVE WAS JUST INTERESTED IN GETTING HER SHARE OF THE COMMISSION FROM THE COLLECTIONS AMOUNT. 

THE SAME COMPANY AMERICOLLECT INC REPORTED ON XXXX  THE SAME DEBT BUT FOR THE MAXIMUM OF USD XXXX INSTEAD OF USD XXXX FOR THE SAME ACCOUNT COLLECTION ON BEHALF OF XXXX XXXX XXXX XXXX. 

THEM CLAIMING TWO DIFFERENT ARBITRARY AMOUNTS UNJUSTIFIED THAT IS SO FAR APART FROM EACH OTHER ( OVER XXXX USD DIFFERENCE ) INDICATES THAT THIS COMPANY AMERICOLLECT INC IS BEING FISHY AND JUST PULLING FIGURES UP FROM THE AIR WITHOUT ANY CONCRETE BASIS OR JUSTIFICATION AND I WILL BE ATTACHING BOTH XXXX  AND XXXX DOCUMENTATION TO THE CFPB TO SHOW HOW ARBITRARY THESE COMPANIES JUST CHOOSE WHAT AMOUNT THEY WANT TO USE TO HARASS YOU TILL YOU CAVE IN AND PAY UP. 

I HOPE THE CFPB ON THE STATE ATTORNEY 'S OFFICE WILL PROSECUTE THEM CRIMINALLY FOR THEIR MISCONDUCT AND FRAUDULENT PRACTICES OF COLLECTING ARBITRARY AMOUNTS THEY CLAIMED IS OWED.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

This is my 3rd complaint with Truist Bank. I have tried to get my mortgage refinanced for over a year. The first complaint was Truist was resolved. The second complaint appears to be resolved but is still open. This complaint is regarding my credit report showing delinquent payments, late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I was in bankruptcy and payments were not made during that time XX/XX/XXXX- XX/XX/XXXX but it was removed because of Covid related issues. The bankruptcy was paid in XX/XX/XXXX at which time late fees were added to the mortgage. The mortgage was paid on time for months that it is showing late on my credit report. Truist states that these payments were put on past payments making them late for the XXXX 2021 months. Once again I am trying to refinance my mortgage to get my exhusband off the mortgage. Every complaint I file with Truist gets cleared up only to bring out another issue that was not on my statement or credit report prior to my trying to refinance. Truist is interfering in my moving forward and keeping my home.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I want to report, errors, fraudulent, incorrect accounts, unauthorized inquiries, miss spelled, personal information, address that's are in my credit reports ...... 
I have more than ninety-eight unauthorized inquiries twenty six different names in my credit report, I contacted Experian, XXXX, and XXXX FOR THE FRADULENT INFORMATION I HAVE IN MY CREDIT THE DONT WANT TO HELP ME. 
I need hep to get those incorrect information 's and account of my credit please.
Consumer complaint received 2020-01-30
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. (CA)

XX/XX/XXXX 30 DAY VIOLATION COMMITTED I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

A DISPUTE LETTER WAS ISSUED ON XX/XX/XXXX AND TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT, REFER TO ATTACHED LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Consumer complaint received 2021-02-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a pending application for a Capital One Quicksilver card. That has been pending since XXXX. 

I submitted my documents and Capital says there was an issue with my social security card being completely visible. I am resubmitting a 100 % visible copy of my social security card.