davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Rewards — 
Company: BB&T CORPORATION (TN)

Hello, I recently noticed my BB & T Spectrum rewards credit card was no longer working despite having available credit. I reached out to BB & T ( they did not make any effort to call me before placing a block on my card which I use every day ) to see what the problem was. I spoke with someone in Risk Management who informed me my account was under " investigation '' due to my high spending. The card was in good standing with no late payments. A few days after that, with no further contact from BB & T, my credit card was removed from my online account and I now assume it to be closed completely. I support BB & T 's right to close my account, but as of now the rewards that I had earned on the card are not available to be redeemed. It is clear to me that the primary reason they closed my account was due to me earning too many rewards. However, all of my earnings were in accordance with the terms and conditions ( see here XXXX ). 

BB & T never once attempted to keep my account open by asking for verification of income or source of funds documents. They simply wanted to prevent me from carrying out the rest of my bonus spending. I would request that I receive the rewards I was not able to redeem, as well as my " XXXX % anniversary bonus '' ( see below ) From the terms and conditions - 30 % anniversary bonus on Annual Earn when total annual purchases are greater than or equal to {$50000.00} A XXXX percent ( XXXX % ) anniversary bonus may be earned each year after the Member 's Anniversary Date if the Member has made total annual net qualifying purchases of greater than or equal to {$50000.00} during the Anniversary Year. Please allow up to ninety ( 90 ) days after the Anniversary Date for the anniversary bonus rewards to be applied to Member 's rewards balance. 

As you see above, there is a XXXX % anniversary bonus on rewards after reaching the threshold of {$50000.00} spending. Since I reached this threshold and then was closed, BB & T is preventing me from reaching my anniversary, where under their terms I would be rewarded the XXXX % bonus. What is stopping them from just closing all cardholders at 9 or 10 months so no one is able to receive the bonus? BB & T has effectively made a credit card product that encourages higher than normal spending levels, but then punishes consumers by closing accounts no questions asked prior to being able to receive the bonus for reaching said spending levels.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (MS)

I sent the gift card to someone and they can't be able to redeem it. I emailed Google, the credit card and the XXXX XXXX won't help me with my situation. In attachment document... I have proof that there is no XXXXXXXX XXXX gift card. on XXXX XXXX account. Then XXXX response was send her a card so she can redeem it. I told them that we aren't going to redeem it, we want our money back. They won't refund. 


They didn't warn me on website that this card isn't like the other gift card. They didn't explain what this gift card is on their website. 

They didn't explain what redeem is ... and how to operate it. I don't know how to use it. 

I thought that I can use it to transfer to my bank account. I thought it was like XXXX gift card. 
XXXX gift card maybe the same way now, because I have never bought their gift card. 

I am XXXX XXXX XXXX female and I do not want to use this to play games that I won't enjoy at ALL. I don't know anybody I can give it to .... I don't know if anybody play games on google play on cell phone. 

I need my refund back... they need to figure out how to cancel this gift card, because this isn't fair. 

I don't want my {$500.00} to be stuck on this gift card. They didn't even mail me a gift card... I don't know how to use this... Please help me. 

Look at XXXX 's account... there is no gift card on there... 

I sent the gift card to XXXX 's email account. 

My email account is XXXX XXXX won't talk to me.
Consumer complaint received 2023-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CO)

I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in XXXX XXXX, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade and move the market. Foolishly I tried investing {$1000.00}. I sent it to XXXX via wire and there it was exchanged for crypto currency and from there it was transferred to a XXXX XXXX where an exchange named XXXX was accessed through a " XXXX XXXX ''. After a few deposits he had me switch to from XXXX to XXXXnow it is obvious that XXXX had XXXX out the scam and shut them down. The first investment went so well that I decided to invest $ XXXX and of course the gains were astounding ( 30-50 % ). At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade which was open for 48 hours. Immediately after placing the trade he called me to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed ( 48hrs ) to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX to help " protect '' the position. Just before the trade was set to expire he called me and tried once again to get me to get the $ XXXX and or trade the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform which was held inside my XXXX wallet was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings
Consumer complaint received 2022-03-03
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. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$370.00} XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (UT)

I went to the Vietnamese restaurant and ordered some fried rice. When I got home, I realized that the food did not have all the listed ingredients on the menu. I attempted to contact the restaurant but could not get through. 

I submitted a bad XXXX review and a representative of the restaurant responded and asked me to send an email to the manager.

The manager and I exchanged some few emails, however, she did not refund my money. The manager stated that they changed the menu, however, their employees were not informed or so.
Consumer complaint received 2018-03-22
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: Experian Information Solutions Inc. (MS)

I filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.
Consumer complaint received 2019-03-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Attempted to buy vehicle out of lease. Nissan Motor Acceptance provided incorrect information on payoff procedure. They informed us that payoff could be handled through their office, when in fact payout needed to be processed through a Nissan dealership. 

They instructed us to send them a payoff check. Three different  individuals provided three different payoff amounts before settling on a final payoff amount. We sent them a payoff check for the agreed amount, which they did not apply. When we called to inquire why they had not applied the check, they did not timely provide information as to why. 

We specifically asked if the delay would negatively affect our credit. They informed us that it would not affect our credit. However, without sending us notification, they instead reported us late to credit agencies. 

When we requested that they review our numerous good-faith contacts with them to settle the lease contract, and to review our good payment history, they refused to removed the late payments from their credit reporting. 

Nissan Motor Acceptance did not provide correct payoff amounts to settle our lease contract. Nissan Motor Acceptance failed to provide correct information or procedures to turn in its vehicle. Nissan Motor Acceptance failed to apply funds that they specifically requested from us, and failed to communicate that they had not applied the funds. Nissan Motor Acceptance incorrectly stated that the delay in processing our payoff would not affect our credit. Nissan Motor Acceptance erroneously  reported us late to credit agencies. Nissan Motor Acceptance refused to reasonably review our good-faith efforts to settle the lease contract and correct our credit history.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stellar Recovery, Inc. (KS)

On both XX/XX/XXXX & XX/XX/XXXX I was contacted by your office, which appeared on my called ID as XXXX, KS on XX/XX/XXXX, when I answered there was no body there. The call was placed on my cell-phone and a number of XXXX appeared. When I called, no one answered. I was again contacted on XX/XX/XXXX with the caller id showing XXXX, KS again I answered and no response. This time it showed a number of XXXX, which I called back and spoke with XXXX XXXX who identified himself as a collector for Stellar Recovery in an attempt to make a demand on a debt to XXXX XXXX from XX/XX/XXXX. When I advised XXXX XXXX this account was past the statute of limitations he said No it certainly is not. Before I progress with the rest of the facts, let me state under Kansas States Annotated 60-511 A creditor must bring an action-based on a contract that is expressed or implied but not in writing, an oral contract within three years. As there was never any written contract for service this was in-fact a time bared account. This act of collecting on a time barred account in its own is in violation of 15 USC 1692e subsections 807 ( 2 ) ( A ), as the legal status of the account is time barred to which XXXX XXXX disagreed with, keep in mind, his answer must be truthful under the FDCPA. I was then transferred to a supervisor XXXX XXXX and asked why my caller ID just shows XXXX, KS to which she stated We use an auto-dialer ). This is in violation of two laws. First, the TCPA that The FCC has determined that debt collection calls are not telemarketing calls. Therefore, under the rule the FCC has stated that with respect to autodialed or prerecorded debt collection calls, to the extent that they do not contain telemarketing messages, would not require any consent when made to residential wire line consumers, but require either prior written or oral consent if made to a consumers wireless number referring to 47 C.F.R. 64.1200 ( a ) ( 1 ). At no point, did I ever consent to my personal cell-phone number to be called. Additionally, the way your caller ID shows is XXXX, KS, but it is not just the name that I argue is a violation of law, it is the fact that the phone number that appears is a XXXX, KS number, when your office is clearly in Florida. Such action constitutes a violation of the 15 U.S. Code Section 1692f ( 5 ) Causing charges to be made to any person for communication by concealment of the true purpose of the communication. Obviously I have the right to determine what calls to accept and what ones not to answer. By concealing the true caller on the caller ID, your office has engaged in deceptive practices and as XXXX XXXX admits this is an auto-dialer, I am wiling to bet I am not the only consumer for whom your office has done this to. Additionally, I was never given the opportunity to dispute the bill.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in  XXXX   XXXX , I asked Bank of America to close  XXXX  of my Traditional IRA CDs & reinvest them to a Traditional IRA Money Market accounts. I have never taken the money out of the bank. So these are not rollover transactions.     But the Bank of America agent wrongly reported the transactions as premature early distribution under  XXXX  and also as rollovers. As a result,  BOA report ed these transactions to IRS as  XXXX  Rollovers & sent me  XXXX  (  XXXX  )  XXXX  which would have gotten me penalized by IRS for having  XXXX  Rollovers in a year. Which in fact, there was no Rollover transaction at all.     On  XXXX   XXXX ,  XXXX  My wife & I went to the Bank of America branch on  XXXX   XXXX ,  XXXX  to file a complaint, but instead of correcting their mistake, they insisted that they did nothing wrong. Even the bank  manager  thought so. We spent hours at that branch arguing back & forth to no avail. We were very exhausted, wasting our time & energy trying to tell them what they did wrong. They blamed us for signing the paperwork, that meant we 've agreed on the way they did the transactions. But we are customers who got no training on how to do the banking transactions. These bank employees were supposed to know how to do their business. It 's their job! But what happened shows th at BOA did not train their  employees properly, make them incompetent to do the regular banking business transactions.     We were devastated & did n't know what to do. We were so scared to file the   XXXX   taxes because we know if we filed, IRS would audit our tax return. Up to today, we have n't filed our   XXXX   taxes, both the  Federal & CA. T his has caused us a lot of stress, we were never late to file our taxes before this incident. To make the matter worse, CA  XXXX  recently sent a letter that we have to file   XXXX   tax return by  XXXX   XXXX ,  XXXX , or they will take a legal action.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (FL)

Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from XXXX. This was the first time I was notified of this and right now, I am unemployed, so  I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in XXXX XXXX County, Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AutoNation Enterprises Incorporated (CA)

XXXX XXXX called my place of employment and was shocked I answered the phone. She said they was going to serve me and garnish my wages and stated I am paying {$500.00} a month on a new car which means she ran my credit without my permission and she threatened to garnish my wages which she can not say to me. Last week a lady called from a unknown number and threatened to serve me and I hung up on her and she called back and left a voicemail stating hanging up on her is not going to make her go away. I have voicemail in a email. The next day another lady left a message saying they was coming to my job to serve me and I need to show my id. I have that voicemail in a email also. Both ladies did not id me. They left messages of threat on a voicemail which they can not do. CIG financed a car that they knew had structural damage. I could not register car because it was going to cost me {$3000.00} which I did not have so I had to get another car. CIG has a lot of bad reviews with similar situations that I experienced with them. I used to be a debt collector and I know what you can and can not say or do. I do not like being threatened and scared to go to my place of employment. The last lady called from a XXXX number. I do not know if these people are violent. They sound violent on the voicemails. I am scared for my life.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting all credit reporting agencies immediately remove from their information my XXXX misdemeanor XXXX XXXX XXXX from their files. Most states remove their records that type of information after XXXX years. In VA it is XXXX years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and criminal and I want both removed. That would resolve the issue.
Consumer complaint received 2022-03-03
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: SYNCHRONY FINANCIAL (OH)

Synchrony bank pulled a hard inquiry on my credit report on XX/XX/XXXX2022 without my authorization/ consent. I disputed the inquiry with XXXX and it came back in the lenders favor. I called synchrony bank and they only have record of an old account that was settled. I called the number on the credit report and it rang until going to wireless caller voicemail
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmerAssist A/R Solutions, Inc. (FL)

reported XX/XX/19 Balance {$1700.00} Company Amerassist AR Solutions. 
This company has put this on my credit for collection. I have not given anybody my social info. This is fraud and i request to be taken off my credit.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

A loan modification review was conducted and the lender did not provide a compliant reason to deny the homeowner the option to pay back their debt. They didnt list who the investor is and why they are not required to modify the loan. They did not provide the specific reasons as to why the investor does not have to comply to RESPA guidelines.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

I have already opened an inquiry with Comnety bank about fraudulent hard inquiries, however now there is a {$450.00} limit express credit card on my account that I do not have any knowledge of. I need that account closed immediately.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have  a citi professional c ard on my name I don, t have a company and des pite the law from 2009 to apply payment to the higher rate balance I realize now they are doing to the lower. I called them but they told me it is not for this kind of card because it is a business credit card!!!! I read the law and nowhere I found difference for holder.