davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMO Bank, N.A. (MN)

Manual adjustments by your fraud department were done to this account upon my requests at the end of XXXX. This allowed me to make the overpayment because she didnt get her work correct. When I made payment in XX/XX/XXXX for XXXX this amount is not correct and more than what was really owed. 

Note I have never made a single purchase on this account!! You stated I purchased over XXXX dollars? What date and place was this at? Please provide me with this document or direct me in the ledger to where this is possible. 

Your last correspondence stated credit refund checks ( 2 ) this money was returned to the bank XXXX XXXXYou yourself came to the correct amount ( almost ) actually owed to me. You deemed you dont owe this money to me please explain why? 

Rectify your companys error. Fraud mangeXXXX XXXX XX/XX/XXXX admitted he seen this error. My account was never reviewed for correction. You closed the account instead. 

The ledger is clear over all months if you cant see this with your intellectual abilities and arithmetic skills alternative means of collection will escalate and proceed. You keep simply blowing me off your behavior is as experienced with Bmo unethical and abusive. 

XXXX break it down XXXX I owed the bank for XXXX. I payed XXXX. I retrieved XXXX on my own from improper interest charges. Leaving XXXX owed to me. Clear simple math.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Due to bankruptcy secured credit card account with Capital One was closed. Remaining balance was paid with secured funds however there are remaining funds due back to me. I attempted calling several times and no one assisted me. 
I am currently reaching regarding Master Card secured account ending in XXXX. The account was closed due to chapter XXXX bankruptcy. Last statement I received from Capital one was in the amount of {$200.00}. I opened the account in the amount of {$480.00} of secured. I believe I am due a refund. Please review and return my funds to me immediately. Thank you.
Consumer complaint received 2021-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

these XXXX XXXX  have been harassing me for 30 years, never wanting to give me my credit report, reporting fake medical bills, when I have had medical insurance for over 15 years, they have taken it off to sell it to a new collector they had put a fraud alert on my account and I never asked them to so for years I could not get credit, I could not buy a house, could not get a car these low lifes ruined my life, now after having to fight and go to court to get the fraud alert off, all the credit reporting agencies have my credit right and the other scores are XXXX XXXX, but here we go again with transunion they are keeping my score down XXXX and putting fake medical bills again on my credit and all of these fake inquiries, I mean why would a car company pull my credit 3 times in a row, and I have never even heard of these other companies except XXXX  XXXX, but I never asked for them to give me a car loan, this company also refuses, everything I try to get my yearly report online they will never allow me to and it is my report And I have a right to see it and dispute transactions, I want them to stop reporting false information on my report, and give me the name and address to send the lawsuit papers because I have had enough, enough is enough I am XXXX years old and I am sick send tired of putting up with there is and bad practices.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I used my American Express Blue Cash card and bought a new membership for {$45.00} at XXXX XXXX # XXXX because they had a deal ( Amex Offer ) for new membership purchases. I was told yesterday by XXXX ( XXXX ext XXXX ) that they 're not honoring the deal because it was n't a new membership purchase. So I got written proof from XXXX that it was indeed a new membership. Amex, please honor your promotion ( {$45.00} ) credit
Consumer complaint received 2015-05-15
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (WA)

I have recieved calls saying I owe this debt which has suspended my drivers license but have never received anything Stating this information Whatsoever. This company wo n't even allow me to make payments to them unless I put a XXXX down deposit. I just do n't see how they can get away with holding my life hostage.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

I disputed a fraudulent transaction with Regions Bank. Dispute me filing an affidavit and them closing my card due to fraud they deemed the charges valid without ever contacting the merchant where the fraud occurred. I was charged two ( 2 ) times that I did not authorize after doing business with the merchant months earlier for a completely different amount.
Consumer complaint received 2018-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (IL)

I recently received an incorrect XXXX listing an ( improper year - XX/XX/XXXX ) from Midland Funding, LLC. Their XXXX should have been listed for the ( prior year - XX/XX/XXXX ), due to the fact that the settlement was made and completed and also reported on my XX/XX/XXXX income tax return. I contacted Midland Funding, LLC on XX/XX/XXXX regarding this error and they are refusing to issue me a corrected XXXX for the proper year of XX/XX/XXXX and I do n't know what to do. I 'm hoping you can help me with resolving this matter. Attached are scanned documents verfiying my information relating to this matter. Thank you.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (UT)

XX/XX/2019 - I received an e-mail from American Express stating " We've received your payment '' for {$50.00} - I have not made any recent payments to American express. 
- I contacted American express via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by Amex. It's a Manual payment made using our Pay by phone number. '' - I advised American express I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. 
- American express then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call XXXX XXXXXXXX XXXX at XXXX for more info on it. '' - I replied to American express stating the payment shows directly from American express in the e-mail not a third party company. 
- American express made no further responses.
Consumer complaint received 2019-03-27
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2019, I sent proof by certified mail to XXXX  to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. XXXX filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked immediately.
Consumer complaint received 2016-04-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I signed up for an American Express Everyday Preferred credit card in XXXX 2016. The sign-up bonus as was shown on their website was XXXX Membership Reward points. Upon fulfilling the requirements of the bonus, I noticed I only credited XXXX points. 

Despite a screenshot that proves I was shown this XXXX point offer, I have been forced to contact American Express repeatedly about my issue. Each representative I speak to knows very little about my issue. In XXXX phone call, the Amex representative was unable to locate any case opened for me. In another call, I was informed that the Amex back-office did not work on my case, as they promised, and had no information to give me. 

Most recently, I was told by American Express that they were unable to verify that I was given this offer. I been forced to open a case with the CFPB as it is becoming clear my internal case is not being handled properly. 

I would like to be credited the remaining XXXX points and will attempt to attach a copy of this offer to this complaint.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was notified by XXXX that I had an account that was previously over 30 days late. My score dropped by XXXX points. I never have paid an account late. This particular vehicle account is on auto draft. I called and went online and confirmed all payments had been received and paid on time. I was told by usaa there wasnt anything they could do but have me go on usaa.com and fill out a credit dispute. On each attempt their system errors out and tells me to try again. This is not okay. They should have a better resolution when their agents can see that I have excellent payment history. But instead they make the consumer attempt to get the reporting corrected. Meanwhile this will affect other lenders credit decisions. Not okay and usaa should be held accountable!
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NM)

I have a monthly payment of {$740.00} on a vehicle loan of which I've paid on time since I opened in XXXX of 2021. When I try to make a payment through my usual method on the truist mobile banking application it says it will not accept money from a non truist account. All the payments I made since XXXX of been through a XXXX XXXX account and all processed successfully. I've tried reaching out to truist to figure out the problem and was on hold for two ad a half hours and still could not reach anyone. This feels like I'm being forced to open a truist bank account which I will not do because this feels very suspicious.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have been an American Express business cardholder member since XXXX. Both my personal name and business name appear on the card. I used the Amex to make XXXX recent transactions to my business via XXXX. The first transaction {$3000.00} was placed on XXXX XXXX, 2017 and the 2nd transaction of {$5000.00} was placed on XXXX XXXX, 2017. On the evening of XXXX XXXX, I received an email stating " Notice of Account Cancellation ''. I spoke to an Account Rep at Amex and was informed that this was done automatically through a computer for suspicious activity and that the account is 'Closed ' and there is 'No Way ' to reopen, with no remedy offered for reactivation. There was never an attempt to contact me via phone, text or email - prior to cancellation! There was not a denial of charges, charges went through and therefore, I was unaware of ANY issues, regarding these transactions. The aforementioned charges now appear on my Amex for repayment. How can they be an illegitimate charge and I/my company still be required to pay them? And, if legitimate, how could this warrant American Express to cancel '?
Consumer complaint received 2019-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I got a letter from US bank in XX/XX/XXXX ( not XXXX  ) mentioning that my personal checking account ending with XXXX will be closed on XX/XX/XXXX. The letter stated no reason for why that was happening, but they did end up closing my checking account along with my other credit cards with US bank despite the facts that : 1- the checking account was being used to pay off my monthly mortgage payments with US bank itself and was getting my W2 income from XXXX XXXX deposited into the account. 
2- I never had returned checks or over-drafted the account, which was open for more than 8 years. I also never had a single late payment on my credit cards and my credit utilization never exceeded 10 % of the limit. In fact, I was barely using those credit cards for the last 2 years before they were closed. 
3- My credit score is excellent ( XXXX is the median score ) and I never had such issues with other banks either. 

I called US bank, and they said they could offer no explanation but directed me to try reopening a bank account in a branch, which was rejected when I tried applying at various points in time inXX/XX/XXXX with XXXX XXXX in the XXXX branch as well as in their XXXX XXXX branch within XXXX in the same month. Neither bankers I applied with provided me with any explanation as they could not find out themselves either. I tried again doing so in XXXX XXXX after more than a year passed on the account closing, but the agent trying to help me mysteriously failed from establishing a new account again! 

The main frustration has not been as much about not have the bank anymore ( though it became inconvenient as paying my USbank monthly mortgage ended up being more hectic given that US bank charges fees for payments made from non US bank accounts posted after the beginning of the month but before the payment due date ). In fact, what frustrated me so much and made me feel really take advantage of was how I had my HELOC with USbank too resulting in an annual fees of XXXXusd that was getting waived otherwise ( because of my bank account with USbank ) now getting charged! The fact that my USbank checking account closure comes at completely no fault of mine and that this has resulted in me paying some price for that too, contrary to the state I had with US bank upon signing my HELOC paperwork with them is very undesirable and unethical either. In fact, I would not have established a HELOC with US bank if I knew they would make me feel tricked like that! Moreover, closing a HELOC now is not an option either given that USbank would penalize me for doing so prior to having had it open for more than 3 years. One way or another, USbank is cutting me loose, and this approach they are pursuing is terribly bad.
Consumer complaint received 2016-07-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (CO)

Received a letter from the Debt Collector, Midland Credit Management , Inc. stating I needed to contact them to work out arrangements before suing me by XXXX/XXXX/2016. There letter states that they would work with me on payments that were flexible and affordable for me. I called them. The guy on the phone was rude and refused any payments I offered or any plans I offered to pay which I am unemployed and unable to work. I was told if I did not pay what they were wanting that they will sue me. They threatened me and refused to work with me even though their letter stated otherwise and I was offering to pay {$20.00} a month on {$1000.00}, which is all I could afford being unemployed. They did n't offer any assistance or anything and said they will pursue with contacting a lawyer and suing me even though I called before the date they asked and tried to work out something affordable/flexible for me. They REFUSED anything I offered.
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. XXXX XXXX representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX, 2016 I initiated XXXX balance transfers with American Express. Money was successfully transferred to one bank ( XXXX ), but the second transfer was unsuccessful ( XXXX ). American Express transferred {$1000.00} to XXXX and these funds never posted to my XXXX XXXX credit card. I have waited and waited, and inquired continuously about the funds. Each day, I am told ( by AMEX ) that the check has cleared and XXXX is responsible for the missing money. 

Since AMEX insists that the check cleared on XXXX XXXX, I drove to a XXXX branch thinking I 'd be able to clear up the misunderstanding in person. The problem was still not resolved, as XXXX insisted that all they could do was call their " credit card department '' and inquire. On that day, XXXX said that they do not accept electronic transfers and that they are not holding the money. I phoned AMEX with the new information, but nothing happened. In fact, they 've claimed on two different occasions that they would open an investigation and have not followed through. After supposedly opening the last " investigation '' or trace, I was told that there would be no further investigation because the check was showing in the system as cleared. With each call, however, no one can find any disputes or open investigations on my account. Please note that they have also disabled the " online dispute '' feature for this issue as well. After nearly a month of this back and forth, getting transferred from one department to another, and hung up on, I have decided to file this complaint. 

I have called XXXX and American Express everyday with no resolve. I have asked AMEX to confirm receipt of the check by communicating with XXXX. They insist that the receipt is the fact that the check cleared. As well, I have asked XXXX why they have n't notified AMEX, with regards to not accepting this particular electronic transfer. They insist that I must ask AMEX to trace the funds with their bill pay department. After repeated calls to both companies and no help, I would like to hire an attorney. I am beyond frustrated. Unfortunately, I am caught in the middle of two corporations that rely solely on computers and foreign call centers for all their work.
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (GA)

Hello there, I am XXXX XXXX I had the credit card with company with a payment charge {$26.00} on my credit on XX/XX/XXXX. However I did not receive any notice and continued billed the late fee and interest on this amount. Here is the situations. 1 ) Mail communication. The company claimed they sent mail to me and returned back to tham. I check my profile online. It has my old address there. However, the company changed web site last year. Everytime I changed my address under profile. It went through smoothly. Nothing is wrong or warning there. But when I checked it out the next day. I still had my old address under profile. I found this out on XX/XX/XXXX after i found I was charged so much money on my credit card. In other words, the company has one unfunctional web site to update customer address. I also bak account and retirement account with the same company. I can not understand why the company find the address information from there. So far, my address is still old address under profile. 2 ) Phone communication I have two phone number there XXXX and XXXX. Nobody called me if you they had mail returned. If one communication way was blocked. They just charged the money on credit card and kept it. 3 ) email communication I have email address on file. I still received bak statement every month. I never receive any email from credit card department about my bill or mail return notification. The second communication is never used. In short, their company new web site from XX/XX/XXXX does not function at all. I can not change my mailing address online. Three ways for the communication become one way communication with month by month charge on my credit. I do not know if the company did that on purpose. I require the company to change my address to the correct address and refund the money back. I paid $ XXXX $ XXXX {$94.00} for the actual charge {$26.00} I require the refund the difference {$67.00} and make your company web site workable. My wife online account was also locked for almost one year and for the credit card web site, the company offer two different website from XX/XX/XXXX. It is ridiculous. It is a totally mess for the online credit card management. Please also correct the credit report for me. 
Regards, XXXX XXXX