davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OH)

I RECENTLY applied for American Express Business Gold Rewards Card via a WELCOME offer that i got in my Online Account at www.americanexpress.com. THE Offer was to get XXXX Membership Reward Points as Welcome Bonus after spending {$5000.00} within 3 months of account opening. ( I had this same card once in the past, and i had closed the account in 2013 ) American Express has a policy that " Welcome bonus offer not available to applicants who have or have had this product '' THIS IS MENTIONED ON THEIR OFFER TERMS. 

HOWEVER, MY OFFER TERMS Did not have this LANGUAGE Restriction anywhere which said that " Welcome bonus offer not available to applicants who have or have had this product '' I have printed the Offer Terms of my welcome offer as proof and am attaching BOTH the WELCOME OFFER PAGE AND OFFER Terms Pages to you as proof. Nowhere in my Offer terms it is mentioned that " Welcome bonus offer not available to applicants who have or have had this product '' I have also faxed/mailed my Offer Terms of my welcome offer which did not mention anywhere that I am not eligible to get this XXXX points since i had this card in the past, to American express customer service, however they are refusing to Honor my Bonus promotion offer saying since i had this card in past, they can not give me the Bonus 2nd time. 
I want your intervention in this matter and make American Express honor my promotion since my offer terms for the card i applied for and am approved, does not have ANY LANGUAGE RESTRICTION OR CLAUSE THAT SAYS " Welcome bonus offer not available to applicants who have or have had this product '' I know of a few people who have got this promotion 2 to 4 times for this same card as their offers that they had received did also not have this Clause restriction 'Welcome bonus offer not available to applicants who have or have had this product ' mentioned on their offers. 

So if other customers who did not have such offer restrictions have gotten this bonus promotion more than one times, why can not This company honor my promotion as my offer terms for this offer also did not mention any such language that states " Welcome bonus offer not available to applicants who have or have had this product '' I am sending both my welcome offer and OFFER TERMS to you as Proof, as all these pages ( my application offer page and offer Terms '' show the proof that there is no mentioning of the Language/Clause/Restriction " Welcome bonus offer not available to applicants who have or have had this product '' anywhere on my Offer i received from American Express company.
Consumer complaint received 2022-12-18
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. (KY)

XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have a file on my equifax I am trying to get resolved!!! I call them they are in XXXX and cant speak English!!  I filed a complaint with the XXXX XXXX XXXX and it was rejected!!! I want the old file removed its over 8 years its been on there XXXX!! I have never rented from XXXX XXXXXXXX XXXX!! Its fraudulent needs removed!!!
Consumer complaint received 2020-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MO)

In XX/XX/2020 I received a receipt in the mail which stated something about a transaction for {$4300.00} was made with my name and address listed to and account that was created without my transaction. I called the bank immediately requesting the account to be closed also that the account was the enactment of identity fraud. I was recommended to filing a police report with XXXX Police department in which I was unsuccessful. i called the office explaining their website would not except the date of event I was try to enter for the date of which I was contacted by mail of the transaction. This attempted act to report the event took place the duration of the time I waited for the affidavit in the mail. The forms never arrived so I went to the main XXXX XXXX location for XXXX XXXX XXXX XXXX to pick up and also return the affidavit the following day due to the request of information I didn't have available during my visit. I assumed that with the affidavit turned in I'd be ok. I even called the the irs to report the event as well ( having very little to no knowledge of knowing who to report to ). The representative attempted to pitch me identity theft protection which I did and still do not have the funds to uphold another money payment as I am a new homeowner trying to survive the impact of covid-19. However I while working for a telemarketing company years ago I'd come to believe that  Identity theft protection was a scam in itself. I just wanted to file my complaint of identity theft. I'm still unclear as to if the call I made was report I never received confirmation to my recollection. Just last week some time I received another letter from a new bank account also opened without my transaction which is also an enactment of identity theft. I called that bank and repeated the same process also I didn't file and affidavit bc there was no other transaction on the account other than it being open online. someone is using my social security number, my home address and other unknown information to commit fraudulently crimes under my identity. I received a notification this week from XX/XX/XXXX that the {$4300.00} transaction has been added to my account. I must have misunderstood the entire purpose of the affidavit. i don't know who to talk to or what to do so I called Missouris Attorney General and requested helped on the identity fraud. the let has arrived today and I am filing it out and having the paper mailed out immediately. I have no other issues outside of that of what I have mentioned above. Please help me if you can. I only filled out this complaint because it asked if I have done so in my papers obtained for Missouri General Attorney. I have no idea what I'm doing.
Consumer complaint received 2023-01-30
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XX/XX/XXXX
Consumer complaint received 2021-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (CA)

I was a patient at a XXXX XXXX treatment facility called XXXX XXXX, XXXX XXXX from XX/XX/2018 until XX/XX/2018. I was initially admitted to the facility under the agreement that the cost of my stay would be covered by my health insurance, XXXX XXXX XXXX. After six weeks into my stay, it was discovered that my health insurance had terminated due to a payment issue with the cobra website and I was informed I had to sign an agreement that stated I would be responsible for the total cost of my stay at inpatient and the remainder of my stay at their XXXX XXXX  and XXXX. ( My health insurance had mistakenly approved all the days of my stay up until that point ) I was told that if I did not sign this agreement I would have to leave the facility granted at the time I was still medically recovering and did not have any where else to go. 
I reluctantly signed the payment responsibility agreement under duress and informed the staff at the facility that I would work with my former employer and cobra to try to have my health insurance reinstated so the payment matter would be fixed. Two to three weeks later while I was waiting to hear back from my former employer, the staff at the XXXX XXXX XXXX XXXX  XXXX  facility told me they could no longer wait for payment and that I had to be discharged. The director of their XXXX  facility, XXXX XXXX and her coworker were extremely bullying and stated to me this is your fault because of your XXXX XXXX XXXX XXXX Three months later, on XX/XX/2018, I received a letter that stated I owed a {$13000.00} + bill to XXXX XXXX for the cost of my stay at their facilities. I called their billing department to inform them that I was not responsible for the payment and that the responsibility belonged to my former health insurance provider, XXXX XXXX XXXX. 

The bill was eventually turned over to a creditor, Credit Management. The amount for the bill now stands at {$11000.00} I do not owe this money, I signed responsibility for the payment only because I was under duress and I was not mentally/medically in the right state of mind to sign as evidenced by my then need for a stay at a treatment center. My signature on the patient financial responsibility document ( attached ) was not notarized.
Consumer complaint received 2017-08-10
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

I leased a vehicle from this company that was a total loss on XX/XX/2014. This company is stating that I still owe money when car was paid off by gap and insurance company. I have never received any written notification about the charges and when I call and ask for info they never send it. I am trying to get this bad debt off my credit. Santander Consumer Usa will not provide any info for this debt.
Consumer complaint received 2021-01-25
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: JPMORGAN CHASE & CO. (FL)

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XXXX XXXX, 2017 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (GA)

I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 Bank of America closed my account and reported to XXXX XXXX that owe them money. Bank of America report that I have unpaid account this is not true. 
I don't owe Bank of America any money.
Consumer complaint received 2023-01-30
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

THIS COMPLAIN IS REGARDING SOME TRANSACTIONS MADE ON XX/XX/2017 USING ELAVON WHICH WAS RECOMMENDED BY UNION BANK TO PROVIDE A BETTER AND EASIER SERVICE TO OUR CLIENTS. THE INFORMATION PROVIDED WAS THAT WE DID NOT HAVE A LIMIT OF TRANSACTIONSA DAY, UNFORTUNALLY THE FIRST AND ONLY DAY ELAVON WAS USED WITH OUR FIRST CLIENT THAT HAD A PAST DUE BALANCE OF {$11000.00} STARTED THE ISSUE. ON THAT DATE 22 TRANSACTIONS WERE MADE IN LESS THAN 1HR BY OUR CLIENT REQUEST TO KEEP AS RECORD EACH INVOICE PAID WITH IT OWN RECEIP. ELAVON REPRESENTATIVE : XXXX XXXX | Fraud Analyst Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX T. XXXX| F XXXX |XXXXXXXXXXXX CONTACT OUR CLIENT TO AUTHORIZE THE 22 TRANSACTIONS MADE IN THAT PERIOD OF TIME AND TO MAKE SURE WAS NOT A FRAUD, OUR CLIENT ACCEPTED, AUTHORIZE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON REPRESENTATIVE ... 2-3 DAYS AFTER I SPOKE TO ELAVON REPRESENTATIVE AND INFORMED ME THAT SHE AND HER MANAGER DECIDED TO HOLD THE MONEY FOR ANOTHER 60 BUSSINESS DAYS BECAUSE TO THEM SEEMS THAT A FRAUD WAS MADE EVEN THOUGH THEY SPOKE TO THE CARD HOLDER AND EVERYTHING WAS AUTHORIZE. I HAD TO RECUR TO UNION BANK WHICH THEY ALSO TRYED TO GET OUR MONEY REALESE BUT THE REPRESENTATIVE DOES NOT RESPONDE TO THEM. IT HAS PASS MORE THAN 60 DAYS AND STILL ELAVON HAS NOT RELEASE THE AMOUNT, MY COMPANY HAS DONE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON ( proof : emails and calls ), ELAVON IS RETAINING MY COMPANY 'S MONEY AND THEY ARE NOT PAYING THE INTEREST, THE EQUIPMENT PROVIDED BY ELAVON TO MAKE TRANSACTIONS IT IS FULLY PAID. THIS COMPANY IS MANAGED BY XXXX ( poor english speeking ) OWNERS AND SINCE THE TIME WE HAD A HARD TIME TALKING TO THE REPRESENTATIVE AND SHE AND ME AND MY WIFE NOT ABLE TO UDERSTAND EACH OTHER XXXX CHANGED ATTITUDE AND WAS WHEN SHE DECIDED TO GO UNDER AN INVESTIGATION OF 60 DAYS BECAUSE SHE THOUGHT IT WAS A FRAUD. IT IS NOT FAIR BY HER SIDE AND WE ARE VERY UPSET TO NOT BE HELP BY ELAVON REPRESENTATIVE AND SPECIALLY CALL A FRAUD TO A HAND CLEAN CLEAN. TO US SEEMS IT IS A RACIST ISSUE. UNFORTUNALLY WE LOST OUR CLIENT DUE TO ELAVON ISSUE AND DONT WANT THAT TO HAPPEN AGAIN. THANK YOU FOR THE TIME AND HOPE SOMEONE CAN DO SOMETHING REGARDING THIS CLAIM.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NV)

On XX/XX/22 I had my bank, XXXX XXXX, transfer to Robinhood XXXX {$1500.00} for the purpose of making some small investments. Repeated attempts to contact Robinhood via the website and logging in result in my being told to wait for an SMS message that will include a verification number needed to complete the log it. I NEVER receive this message. EVER!!!!!!!!!!! I try to call the company at the two listed telephone numbers and a recording on both numbers tell me I must log in thru the website.
Consumer complaint received 2017-08-10
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 (IL)

This complaint is in relation to my Capital One credit card. The payment due dates are always the first day of each month. On XX/XX/XXXX, I made my payment at approximately XXXX or XXXX XXXX, Central Time, where I reside. When I made that payment, the recording told me that my payment would post on XX/XX/XXXX, rendering it one day late. I understood that there was a late payment charge if I made the payment after XX/XX/XXXX. I immediately called customer service and they told me that I may not be charged a late fee and to wait for a billing cycle. Customer service indicated that they would reverse the late fee if it appeared on my statement because the payment was made on XX/XX/XXXX in a timely manner.
I received my XX/XX/XXXX statement and the statement included a {$25.00} late fee. I called customer service three times and they declined to reverse the late fee. They indicated that the payment was received after XXXX XXXX Eastern Time. Their cut off is XXXX XXXX Eastern Time. I told them that I reside in the Central Time Zone and in any event, the payment was made well in advance of XX/XX/XXXX. My statement reads " Electronic Payment Date XX/XX/XXXX '' and then posts for XX/XX/XXXX. I believe that this is a penalty and not a real fee to cover Capital One 's expenses.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion and spoke with several customer service representatives who were able to confirm that the Security Breach happened not once but twice in XXXX and XXXX. With good faith, I asked them to have the inquiry removed due to it being illegally re-added. However, they refused to fix their error on my credit report. I asked to speak with someone in the Special Handlings department and was left on hold for 45 minutes just to be hung up on. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts were illegally obtained via my credit. I am so tired of keep disputing fraudulent items. Please remove these off my XXXX and Equifax report as this is hurting my score with fraudulent information. 

XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/year>XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXXXXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number Account number XXXX Date opened XX/XX/year>XXXX XXXX