davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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 (FL)

On XX/XX/2019 I opened an American Express XXXX XXXX through a bonus offer to earn XXXX XXXX points after spending {$4000.00}. I have held many Amex cards in my life, and use them both for personal and business spending. My husband and I own several businesses - including a real estate business, food service business, and a vending machine business. 

I made thousands of dollars of charges on the card and met the spending requirement of {$4000.00} in mid-march. I confirmed this with an agent who informed me the points were in the process of being transferred. Unfortunately during this time I received a refund from a merchant which dropped my spending amount below the threshold required for the bonus. I did not discover I had dropped below the requirement until chatting with an agent later in the month to inquire about why the points hadn't posted yet. They informed me about the refund, and also informed me my account was under review and all charges were being reviewed to make sure I actually met the bonus spend. 

Since then I put significantly more charges on the card and once again confirmed with an agent that I had again met the spend requirement. However, I was now told all of my Amex accounts were under review and they could give me no information about my XXXX bonus. I asked for why my account was being reviewed and they provided no information. I asked if I would be getting the bonus that i had earned on the XXXX   and I received no information. I seem to be being told that my account is under review for abuse, which I don't understand because I achieved the bonus spend requirement fairly. Amex seems to be refusing to provide the bonus that was advertised in the application, and likewise doesn't inform me why. 

I need some help in communicating with Amex to get a clear answer as to what is going on with my account and why they are not providing the bonus on my XXXX card. Any help is appreciated.
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (CA)

On XX/XX/2018, I disputed a collection account on my credit report from AD ASTRA RECOVERY SERVICES for the amount of {$310.00}. I was unsure what this was or why it was on my credit. I never received any kind of notification in writing or otherwise from this company. My dispute was me attempting to verify that it is indeed my debt as my right, per the FCRA. They did not provide me with this information yet it is still harming my credit profile. I want this debt either verified as accurate and that I indeed am responsible, or I want it removed from my credit ASAP. I refuse to allow this company to continue reporting to the bureaus if it is unjustly falsified informations.
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I have over 20 years experience with bank transfers of XXXX XXXX XXXXXXXX, escrows, etc. and the discrepancy for lost wire transfer by Wells Fargo Bank USA to bank in the XXXX is simply wrongful. Typically, when funds are sent to a closed account the receiving bank does not accept the funds and are returned within 3 to 5 business days. However, Wells Fargo has not returned the funds and has been evasive in providing any proof the funds have been received by the destination bank and the destination bank indicates no such funds have been received. I believe that Wells Fargo or an insider employee is abusing the XXXX system through undermining or lack of internal controls for the purpose of diverting funds to a holding deposit account. These funds are held for the purpose of their own use or could be an individual inside the bank. In normal case any issues with an executed wire transfer should be resolved in XXXX to 5 days ( e.g., sending funds to a close account or wrong IBAN number ). However, I believe Wells Fargo takes advantage of wire discrepancies with the aim to keep as abandoned funds. To substantiate this suspicion, I discussed the matter with an XXXX employee who confirmed he also had some discomfort with Wells Fargo internal controls or even compliance in this area and that it should be investigated. I have an historic account of the transaction investigation which still has not been resolved after 9+ weeks. Facts : Transaction date : XX/XX/2023 Amount : XXXX XXXX ( USD XXXX ) Several cases have been opened with Wells Fargo Bank each time them closing the case after responding that the funds are with the destination bank. The destination bank has been contacted several times and confirm that any funds sent to a closed account are not accepted and therefore Wells Fargo has the funds never leaving the bank.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this  Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is  XXXX XXXX DOB XXXX SS XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX FS XX/XX/XXXX
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After filling out a pre-qualification form on Kohl 's website and being told " Congratulations! You're Pre-qualified for a Kohl 's XXXX '' account I submitted an application and it was denied. They misled me and told me it was my fault when I called them to inquire. I have included the Prequalification code below and will be submitting disputes with the credit bureaus to have the inquiry removed from my report. This was a very misleading experience and I feel as though I have been lied to and abused by this company.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

ON XX/XX/XXXX Capital One took out a payment of {$25.00} and another payment of {$50.00}. Which on their mobile app I cancelled both payments due to the fact that I realized that I did not get paid till XX/XX/XXXX and funds would NOT be availble at that time. I then post poned a payment to be taken out on XX/XX/XXXXfor {$25.00}. I checked my bank account on XX/XX/XXXX and showed that I was hit with 2 NSF charges from capital. ( so i cancelled that payment for the XX/XX/XXXX payment of {$25.00} ) I quickly looked at my capital one app and shows that they still pulled out of my bank account even though I cancelled my payment with them. I called XX/XX/XXXX they stated nothing they can do what is owed is owed. On XX/XX/XXXX I contacted them again and they again stated that nothing they can do that there was no cancellation on there end and I told them that I was on there app and cancelled both payments. ( my payment is due on the XXXX of every month. And I have always paid either before or 2 days later and NEVER been hit with a late fee from them ) That their must have been a glitch on  there end. I have never been late with a payment nor have i ever been hit with an NSF charge before from my bank account. They transfered me to another agent and the agent didn't want to listen to what I had to say. Said we can credit your account the {$25.00} for late payment but the return of the XXXX nothing they can do. Stated my bank sent them notification stating no funds were available on XX/XX/XXXX which my funds were available on XX/XX/XXXX. I stated I can fax them a copy of my statement showing when I transferred money into my savings account and the day that it was transfered, he stated that won't matter and to contact my bank. I have asked for them to credit my account for what they have tried to pull and to refund me or credit me the NSF over charge fee from my bank.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

No one can pull my Equifax report. No freezes or fraud alerts. Tried resolving with Equifax to no avail. I cant even pull a report on their own website.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I had taken several private student loans out from smaller banks that have since dissolved. XXXX XXXX took them over and now Navient has them. My interest rate has fluctuated and my payments made are not refelcted correctly. I still am paying XXXX private loans for a total balance of {$76000.00} owed, which is mostly interest they are charging me. These loans orginated in 2001 and they changed my interest from 4 % to up to 14.25 % without my knowledge. When I call to question why my minimum payments were so much higher they said I have to pay and pretty much hang up in my face. I decided to stop paying them and after XXXX months of being delinquent they finally agreed lowered my interest to 4 %. They are making it impossible for me to pay the principle off because everything is interest owed and I feel it 's armed robbery.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2019-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have the inquires on my credit reports : XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX XXXX XXXX -- Inquiry from XX/XX/XXXX XXXX XXXX XXXX -- inquiry from XX/XX/XXXX Capital one bank usa -- -inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX- inquiry from XX/XX/XXXX 2018
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC (WA)

I called XXXX XXXX to let him know that I had Called the another Debt collector and figured out how my account had come to his office in the 1st place and resolve the issue with them and the account holder should be contacting him soon to resolve the issue he then got very short and angry and started yelling and being very nasty And threatening that they amount would go up and then hung up on me
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (SC)

An Application for a credit card was made in my name and SSN on XXXX Application # XXXX it was denied. I made a police report to my local police XXXX County police Report # XXXX office XXXX XXXX XXXX. 
Sent a request to Discover card for a copy of the credit card application information. 
To obtain this information it was required to submit proof of my ID and a copy of the police report with a written request for the application. 
Upon receiving the information I attempted to follow up on IP Address : and addresses that were in the application. Called local XXXX county Police and spoke with Officer XXXX, she informed me to register my complaint with IC3.gov. since there has been interstate violations, which I completed.

Fraud alert has been posted on my account with all three reporting agencies. 
Received notification about another incident from XXXX XXXX  yesterday Ref. # XXXX. Called XXXX XXXX  the application was denied. 
I was told to be able to recieve a copy of the application with XXXX XXXX  I had to show proof that I have report these incidents to your agency.
Consumer complaint received 2018-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

In 2014 I was advised to consolidate my loans, including my parent plus loan. Because of the negligent advice I am now unable to qualify for a lower payment with the income based payment plans.

Each time I call XXXX XXXX I am told something different by different agents. It is very frustrating and I finally had to pay a nonprofit debt service to help me and give me sound advice about my student loans.

I feel that the agents at XXXX XXXX  need proper training.

The error of consolidating all my loans is a difference of about a {$400.00} to {$700.00} dollar a month more in payments. I just want to get my payments down to an affordable amount.

I recently was told to re-consolidate my parent plus loan and now my new payments went from over {$1000.00} to {$1300.00}. How is this helping me lower my payments if it has now gone up by {$300.00}.

Please contact me about this issue because I have more horror stories about the untrained agents as well as recordings of them giving me inaccurate information.
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

Due to my choices on what happened is not on your list choices. I have to submit this in my own words. First I sent a creditors validation letter to AFNI, Inc and never responded back to me accordingly to the FDCPA Law. Which requires them to respond back in thirty days. So, they should be removed from. My credit report as of this month is month. I had my personal consumer investigator contact them about the removal of the collection and he also found out they are not registered by the State of Texas. That is a violation and they don't have the right to collect debt in the State of Texas.
Consumer complaint received 2023-08-21
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. (NY)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2019-04-19
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: BARCLAYS BANK DELAWARE (FL)

I have the inquires on my credit reports : XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX  XXXX XXXX -- Inquiry from XX/XX/XXXX XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX -- -inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX- inquiry from XX/XX/XXXXXX/XX/
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed numerous complaints against Transunion. They keep lying and saying they are verifying account information on my report without telling me who they verified with. I sent them proof that my student loan was not late in  XXXX     2017  as it was in forbearance. They updated my payment status, and I sent them another letter to verify the other  XXXX  payments that they have listed late. Instead of them actually verifying, they just updated my payments again to show late in  XXXX . AGAIN I am attaching documents directly from  XXXX  that shows my account was in forbearance! Transunion needs to be held accountable for lying and telling consumers they have verified information, when in fact they have NOT!
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681.Account names XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account was opened. I am a XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

To whom it may concern : US bank placed a hard hold on my joint checking bank account on XX/XX/2023 and subsequently informed me that they will be closing the bank account. Routing Number : XXXX. Bank Account number : XXXX. Account holders XXXX XXXX XXXX and XXXX XXXX XXXX, ( married ). 

I am writing this letter because US Bank is refusing to return to me my account balance of {$9400.00}. US Bank told me that I am not allowed to withdraw the funds at the local branch if I visit them. Instead, US Bank first told me that they will mail me a check for the balance on my checking account after 7-10 business days, which means I may not receive a check via mail for 2 weeks. Next, US Bank told me that they have the right to hold my bank account balance for 90 days while they review my bank account. 

Despite visiting the local US Bank Branch in XXXX, CA on XXXX XXXX, and making numerous phone calls to the US Bank fraud department, the US Bank bankruptcy department as well as the US Bank fraud liaison department, I was told again and again that nothing can be done to assist me further, and that they could not explain why they had chosen to close my account and hold on to my funds. I am in XXXX  XXXX bankruptcy and my attorney also sent them two letters telling them that it was illegal for them to place holds the funds in my bank accounts, to which they said they would lift all the holds, but a hold on my bank account balance remains in place as of this date. 

The hold on the funds in my bank account is creating an immediate, severe economic hardship for me and my husband. The bank 's actions have resulted in reversing my mortgage payment, reversing my XXXX XXXX XXXX utility payments ( resulting in my power being cut off ), and leaving me without any cash in my pocket for reasonable living expenses ( like food! ). I have also accumulated numerous late fees and bank return fees as a result of US Banks actions. My mortgage payment, my XXXX  XXXX payment as well as my electric payment have been returned and I have been charged additional late fees and bank return fees. 

Moreover, I am shocked by US Banks lack of customer service, downright meanness, inhumane and probably illegal behavior. It seems that US bank does not care if their actions put people on the street. 

Please force US Bank to return me the balance of my bank account funds immediately! 

Sincerely, XXXX XXXX XXXX