davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MI)

I am writing to let you know of the " shady '' business practice by American Express. 

On XXXX I signed up for an American express gold card, in order to receive the miles. After receiving the cards in the mail, I was informed that since I was a previous card holder of American express ( 3 years ago ), I was n't eligible for the points. 

I requested that she close my cards, which she did immediately. Customer agent then informed me that since I did not qualify for the miles/ bonus, that also affected my card membership. Now, I was responsible for the XXXX $ annual fee. I am positive they bury any reference to this exception in fine print, and never at any point did they inform me of this exception. 
Furthermore, the customer service rep told me that my APR would be % 15, since I did n't qualify for the promotion, it was supposed to be XXXX. On top of that, they still allowed me to open the credit, without informing me until the credit card was open? 
Now, if I do not pay they will fine me and this blemish will hurt my credit. 

1 ) Is there no protection for the " common man ''? 
2 ) At what point does the ability of Big business to manipulate the common man become a form of racketeering? 
3 ) How much money is made touting these shady promotional offers? 

I XXXX, to come home to this kind of treatment? I am asking that you stop American Express from this fraudulent practice. 

Futhermore, I contacted my congressional office and they pointed me to CFPB. 
respectively XXXX XXXX XXXX American Express card #
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

XX/XX/XXXX XXXX sent me a XXXX saying that my complaint will not be answer under the fair credit report i have to complain to the company an i have XXXX times, i also complain to XXXX an XXXX, XXXX they refuse to look into my complaint an they are ones reporting it XXXX XXXX # XXXX is a XXXX XXXX XXXX agengy an ask under the XXXX i am entitled to request validation of this XXXX, as of the date recieved an any documentation or evidence validating the existence or XXXX of alleged XXXX an the refuse to look into it
Consumer complaint received 2022-02-07
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 sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. It has now been well over 120 days since I initiated contact with XXXX, and over 100 days since I initially contacted Equifax. I have gotten absolutely zero response from either and the account continues to be falsely reported. I do not believe that an investigation was done at all.
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (CA)

For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. Thank you.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Filed a dispute with the XXXX credit agencies ( XXXX, Equifax and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

This complaint is in regards to Chase Bank. 

The following 3 wire transfers are ones that I sent from my Chase checking account to XXXX XXXX Chase Checking Acct in DE. I truly believe all 3 are part of a scam. 

1. ) XX/XX/2021 - {$650.00} - Transaction # XXXX # XXXX. The recipient states that she was robbed of the money and her phone upon leaving the bank. Did not file a police report and still did not even after I asked her to. She sd after that she would return the money, but it was always an excuse. And took out a 3 mo salary advance and still couldn't return it. 

2. ) XX/XX/2021 - {$500.00} - Transaction # XXXX # XXXX. Once again recipient states she was robbed of the money and once again, did not file a police report and wouldn't when I asked. 

3. ) XX/XX/2021 - {$700.00} - Transaction # XXXX # XXXX. The recipients bank would not let her receive the wire transfer, locked her acct and DE police brought her in for questioning. Its just sitting in her acct. 

I have been dealing with this issue for 2 months. The Chase Wire Research Dept has a phone number but don't answer it and mgr I spoke to does not know why. The voice message just says to send a secure message. 

I kept getting repeated messages stating still ongoing, no latest update from receiving bank. Also tt your assigned banker, don't have one and haven't in 3 yrs. The lady I have tt in the past has told me she can't tell me anything more than what is on her screen. 

Today they tell me that I should contact Fraud Claims. Thats where I started and why it got to Wire Research Dept.

Also today they tell me that they have tried to recover the money but no response from credit party.

I have asked to tt a mgr/supervisor in Wire Research , request gets ignored. I have asked for a branch mgr and phone # for recipient bank in DE, they say they don't have that info, but they have been messaging somebody. I have also asked for the address so I can call and get info of who to tt, again, request gets ignored.

I truly feel like Chase does not care about their customers.

I have filed a complaint with XXXX  about Chase Bank, the FTC about the fraud/scam issue, now you folks.

I look forward to hearing from you. 

Thank you XXXX XXXX
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

I want to ensure I was not overcharged with my Wells Fargo auto, mortgage or checking/savings accounts between XXXX. I recently found out that Wells Fargo was liable for incorrect interest rates and overdraft fees during this time and was paying customers back for any overages. I'd like to know if I was impacted by these errors.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

I have disputed this item multiple times with Equifax and it comes back verified every single time. Agents over the phone have either completely ignored my questions regarding the dispute process or answered with incorrect information. This account does not belong to me and neither the creditors XXXX nor any other contact sees anything under my name, account number, account amount or dates that is even remotely similar to what is being reported. Every other credit bureau has had absolutely no issues in verifying that this account DOES NOT belong to me.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I have disputed XXXX different accounts that are on my Credit Report which are included on my bankruptcy yet it returns with the " creditor states it is showing correctly ''. The creditors have been informed numerous times in writing by my attorney that the accounts are a part of my bankruptcy and need to be removed yet they are still showing on Equifax. Upon dispute, these same accounts were removed immediately from XXXX but Equifax still reports them.
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions, XXXX XXXX XXXX, La XXXX, Ca XXXX with Tel. XXXX is a debt collector assigned by XXXX XXXX XXXX XXXX XXXX XXXX to collect my medical debt after I went to emergency room last XXXX XXXX. I was never admitted but I was billed {$9700.00}. I was shocked by my bill and I was billed by my insurance {$1800.00}. I paid XXXX thru installment {$870.00} the rest {$1000.00} was assigned to debt collector since XXXX because I lost my job due to pandemic as a XXXX. XXXX XXXX I paid {$300.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}. I have remaining {$410.00} balance. After Designed Receivable Solutions received my payment on XXXX this company reported me to the credit bureau and my credit score from excellent credit went down very low. I called immediately Designed Solutions and I complained. They told me if Ill pay them immediately the whole remaining balance then they will remove my bad credit report. I said I lost my patient last XXXX and due to the pandemic I have a hard time getting a new patient but I tried to pay them. XXXX XXXX told me that it takes 6 months without paying theyll report me. XXXX from debt collector was forcing me to pay the whole balance or they will ruin my credit score. Im so stressed and got so XXXX. I better went to XXXX XXXX without insurance but because I Paid {$1100.00} a month health insurance thru XXXX  I was billed so high even the hospital just took blood test only and discharged me. I never asked assistance from state or federal. I was very responsible but because of the pandemic my income went down and I lost my job. In spite I tried to pay my medical bill. But this debt collector is harassing me and forcing me to pay the whole amount at once. Im very XXXX  and couldnt sleep at night. Please help me. Ill pay my debt thru installment but I dont want XXXX from debt collector harassing me to pay the whole amount to avoid bad credit report. I will be very thankful if you can help me remove the bad credit report. 

XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell XXXX XXXX XXXX
Consumer complaint received 2016-02-26
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (MD)

The time it takes to receive a lost or stolen card. I reported my card lost and it takes 7-10 days to receive a new card. I am on day 10 and have not received my new card. They have methods to help you get cash from the card, but but I have exhausted those methods such as card to card transfer - {$2500.00} limit ; they have a new system where you need the card to to use it to get the security code off the back. They do not have an expedite system for new cards like many of the other prepaid cards like XXXX. If I were am American Express holder, I would have gotten a new card within 24 hours. Al my bills that depend on my paycheck are behind, i.e. insurance, furniture bill, rent. I can not put gas in my car or food on my table because my funds are tied up in WAITING for a new card. I think this activity is criminal, I think if they are going to offer the service on a card, they should have an expedited method for lost or stolen cards. You call customer service some where in XXXX, they do not have any information they can offer. They have no power or permissions to do anything. It is a ripoff.
Consumer complaint received 2022-02-07
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. (MS)

On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a XXXX of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated XXXX ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing 3 different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: DISCOVER BANK (VA)

Discover is posting debit card transactions w a posted and transaction date that is always the same, therefore there is no way to match and verify that I actually made the transaction. As the actual transaction date can not be verified as it is always equal to the posted date. I have been reporting this to Discover for over a year w no resolution. as an example they posted a XXXX transaction w a transaction and post date of XXXX but it showed up in my account on XXXX XXXX, this is impossible, potentially illegal, how can I make a transaction in the future at XXXX? This is causing a lot of pain and confusion on transactions. We have no way to validate that the transactions are real and not fraud. Please contact Discover and have them fix this immediately. 
Thank you
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been working with Transunion for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Transunion? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (NC)

I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target.
Consumer complaint received 2022-02-07
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: Security Credit Services, LLC (FL)

My XXXX credit report showed a collection item from Security Credit Svcs with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, XXXX. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX XXXX XXXX, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my XXXX account. 
We both filed an identity fraud dispute on our accounts. 
In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MO)

I noticed around the XXXX of XXXX that my savings account was blocked on the Citi Bank XXXX I originally got that account due to the attractive miles option and deposited cash into it at a XXXX XXXX XXXX. I called a number of times to have the account unblocked. But they said the account is referred for closure, they cant tell me anything and I will receive the funds after XXXX days. My money is essentially frozen for XXXX days with no explanation. And I will not get the initial miles Id hoped for.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

I disputed TD Auto finance on my credit report because it was reporting that I was delinquent after the account was discharged and closed since 2010. After the credit agency contacted TD Auto, they reopened my account and updated it as delinquent with several late payments and the previous XXXX balance updated to {$2500.00}. Then two days later, TD Auto reclosed the account. This cost me a drop of XXXX points to my credit score. This has to be illegal. I should not have been penalized for disputing a charge on my credit report, but I was! Please help!
Consumer complaint received 2020-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Please review attached. Toyota Financial Services approved a bogus auto dealer fraud loan on me by XXXX XXXX. XXXX  XXXX  charged me on new loan ( added ) my trade {$4600.00} to price of newer car ( THEY STOLE MY XXXX XXXX XXXX!! They charged me for a new XXXX XXXX XXXX {$19000.00}.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

First for the record I have been with Bank of America since XXXX. Bank of America has placed a {$880000.00} pending hold on my checking account as some sort of fraud review hold or something and they arent willing to fix the situation. This all started on XXXX XXXX. I literal woke up to an account being negative XXXX. Didnt receive any notification, email or any type of alert from BOA.

I immediately drove to the bank and was told that the only way to solve this was to call a number. Ive been calling all the numbers given to me for over 30 days now. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me.

I keep getting told there is no flag or risk on the account, just the hold, but no one knows how to remove it.

The only information the BOA employees can provide is that its on  hold for a loan deposit amount of XXXX from XXXX XXXX on XX/XX/XXXX and that the bank who sent it flagged it as fraud. So I even called XXXX XXXX the other bank who sent the money and they stated they havent not sent them anything and there are no flags on my accounts with them. I even volunteered and provided BOA with documentation supporting the deposit, and that was over a month ago. They did admit they received my email on XX/XX/XXXX. Yet nothing else has changed and Im just out of {$3600.00}. At this point I dont want to bank with them anymore I just want my money back.
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have requested that XXXX XXXX  provide debt validation for the account with original debt from Florida XXXX XXXX for {$500.00} in my name. I informed XXXX XXXX that I never signed a HIPAA form to authorize XXXX XXXX to have access to the my private health information. I have not received the original contract showing my signature on any agreement pertaining to this account. I advised the company this is not my debt and that it should be immediately removed from my credit report. I have never received any documents that were requested from this company. It has been longer than 30 days with out response.