davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I saw a promotional offer by Amex Delta Gold Business for XXXX bonus for $ XXXX spend in first 3 months & {$50.00} statement credit with Delta purchase on XXXX ( XXXX ) that didn't expire until XX/XX/2019. I joined due to this AMEX/Delta advertisement. 

Afraid to apply to unknown sites, I applied on the primary AMEX website because I already had an account and wanted to avoid phishing of personal information from unknown sites. I also called Delta/Amex and was told to apply online ( instead of the phone ) to get a temporary number so I can book flight tickets immediately. I actually didn't get a temporary # which resulted in my airfare going up {$200.00} and added a stop over/longer wait time waiting for the credit card.. 

Once I got my card in the mail ~XXXX, I called AMEX to honor the bonus I saw on their marketing sites ( XXXX  ) which I have a screen capture. The AMEX representative said she couldn't do anything and only could get XXXX.. 

I explained to her that's really unfair for an AMEX marketing currently available which I'm aware not to be honor when a customer want to be reassure to use a legitimate primary AMEX site to apply. 

How would a consumer know which website is legitimate or not to apply to assure they get the current marketing offer? I contacted them as soon as I got my physical card and the promotional offer is still valid. I didn't call a year later or even a month later. Most stores honor an advertisement difference in 30 days, why can't credit cards advertisement be held to this to assure consumer personal information won't be taken trying to take advantage of promotional offers?
Consumer complaint received 2018-03-25
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: Conn's, Inc. (TX)

On XX/XX/XXXX XXXX XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX ( no information given on credit report ) On XX/XX/XXXX Conn Credit Corp. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2022-03-10
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: Resurgent Capital Services L.P. (NY)

While checking my credit report, I notice an account from LVNV Funding LLC, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that LVNV Funding LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION (AZ)

m & t mortgage reports my mortgage as closed ... it is current and open..i opened a dispute with XXXX on XX/XX/XXXX ... I did file a bkXXXX that was discharged in XXXX XXXX.the state of ARIZONA doesn't require a home loan to be reaffirmed .I have proof of all payments being made on time and never late.I want my mortgage to report to my credit as open and current not closed .Please help!
Consumer complaint received 2019-10-28
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: Experian Information Solutions Inc. (PA)

XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. 

I have disputed XXXX/XXXX with XXXX, Experian, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. 

I also called XXXX bank XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX   XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XXXX and that is all the data they have from XXXX The rep from XXXX XXXX told me to call XX/XX/XXXX to see if they could do something about my card being closed and inaccurately reported, but XX/XX/XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XX/XX/XXXX XXXX rep told me that I could just reapply ifXX/XX/XXXX couldnt provide any information. I re-applied for the XXXX card through XX/XX/XXXX XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XXXX of XXXX. This account, the one that wasnt closed at all actually, the oneXX/XX/XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. 

Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/XXXX on either end.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (NY)

After multiple request of complete validation or any proof that i owe this debt not owned by me by mulitiple companys what was requested by me by certified mail in witch i have proof and no proof ever has bin provided, again sold to another debt company ( bottom feeder ) trying to claim i owe this debt after 10 years THERS NOTHING OUT THERE I want them to stop with the harrasments of this XXXX they say i own them and stop selling this bogus debt to any other companys out there or i will sue any of them with you help they might stop ty The new companys name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Originale creditor XXXX XXXX XXXX  XXXX XXXX Accout Number XXXX NES XXXX : XXXX XXXX Amount they claim i owe {$1600.00}
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I sent a money transfer on Tuesday XXXX XXXX XXXX from my bank account to Coinbase website for XXXX. The transfer should have lasted 1 or 2 days to be delivered. But one week later, I've n't received it yet. I sent an email to the customer service Friday XXXX XXXX but I didnt get an answer. We are on XXXX XXXX XXXX and still nothing. My case number to the custumer service is : Case # XXXX
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC. (CO)

I am a Robinhood customer with a new XXXX XXXX account. I initiated a full account transfer ( ACATS ) from RH to XXXX on Monday XXXX after calling XXXX and going over everything with them. I expected the transfer to be complete within 5 business days, ok if longer. At time of transfer my account was positive, had never used margin, and contained only stocks, a small cash balance, and a few options to transfer. The approximate value of the account is between {$45000.00} and {$50000.00}. On Tuesday XXXX RH closed my account and I could no longer access it. By Friday XXXX I received shares and options that showed up in my XXXX account. 

At time of writing all my shares have shown up except for fractional shares left over and my cash balance on my Robinhood account. I received no messaging about the account or the process or when to expect my money. 

During the business day on Friday XXXX two withdrawal/debits appeared in the account that put me negative and on margin. One withdrawal is for XXXX dollars which is the Robinhood transfer fee. The other is a charge for - {$4900.00} that XXXX has recorded as a negative charge and put me on margin. I believe I am now at risk of a margin call and will start accruing interest on the negative amount with XXXX on Monday. 

I called XXXX and investigated it with them, describing the transfer and reviewing the charges. They identified the - {$4900.00} charge labeled " Cash Movement of Incoming Account Transfer '' and they do not know what it is. They've asked me to take this up with XXXX. I asked management to make sure my account is noted properly for later investigation so I can keep track of this and fight for the interest accrued later. Robinhood does not have a phone desk, only an email address. I have emailed them requesting attention and tweeted at their app account on twitter. I am filing this urgently with you as well because so many people are having issues and RH support is nonexistent.
Consumer complaint received 2019-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to Capital One who currently holds the account. 

I have disputed XXXX with XXXX, XXXX, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. 

I also called XXXX bank XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to capital one. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XXXX OF XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to capital one, whom they reported my account closed in XXXX to, the account was no longer in their system. It did not exist. This is a problem as Capital One only has statements up until XX/XX/2019, is stating my account was closed as ofXX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called Capital One ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XXXX and that is all the data they have from XXXX. The rep from Capital One told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX capital one rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through capital one and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information pastXX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX  ILLEGALLY closed this month XXXX when they transferred/dont even have access to or own my account. 

Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyondXX/XX/19on either end.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hello I have been holding litecoins in a wallet Litecoin-QT on my XXXX since XX/XX/XXXX. Since the wallet is now out of date I decided to move my coins over to Coinbase. 

On the XX/XX/XXXX I moved 30 coins - I transferred 1 to start with and then followed with the other 29. 

I can see the coins in Coinbase but they show as pending.

I have emailed Coinbase on numerous occasions but have been ignored. Having looked on the internet tonight a lot of people are advising to contact CFPB for help.
Consumer complaint received 2018-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TN)

1. Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Phone # ( XXXX ) XXXX Unlawfully, falsely submitted my annual income up higher than it was, to get credit cards and loans approved. Without any written verification, documentation nor signature by me. 
Due to this unfair.unjust act i had to file Chapter XXXX Bankruptcy Date:XX/XX/2016 Court Type : Federal District, Responsibility : Individual Debt and Discharged, Docket # XXXX. 
2. Collection /Attorney : Ability Recovery Services # XXXX XXXX XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX Placed for Collection:XX/XX/2016 Original Amount : {$4300.00}
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to Capital One but did not receive a response back. Capital One reported a late payment of my Walmart credit card bill but I could not pay the bill due to my XXXX  diagnoses.
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of  my credit reports XXXX, XXXX, and XXXX   immediately and not sold to another company.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

After multiple letters of me showing inaccuracies reporting on this XXXX XXXX Account # XXXX the credit bureau EXPERIAN , said the account was verified and updated. However there was no investigation done again! here is the proof the the information was not changed after EXPERIAN said it was! this is a huge FCRA violation.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I attempted to use the USAA phone app to transfer {$100.00} from my savings account to my checking account. The transfer did not go through. It has always been instantaneous. I called customer service and the person I spoke with transferred the funds to an account that was charged off in 2017 that I do not have access to and I do not know if it is even my account without any authorization from me, verbal or otherwise. I was not even aware there was another account my funds could go to. I can't view it in the app or online at all. Multiple representatives told me this should not even be possible. 

I have spent hours on the phone and they keep transferring me in circles. Everyone has told me they are unable to fix the situation and all have refused to transfer me to anyone that can do something about it. 

The last I have heard is I have lost access to my funds until someone reviews a brief call days from now.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2020, PayPal made my remaining Account balance of {$520.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.
Consumer complaint received 2018-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (NY)

just received a collection debt from Dyanmic recovery solutions on XX/XX/18 for an amount of XXXX. The collection agency is stating in the letter/bill that I owe a debt which I know is not mine and do not owe. I also checked with all three major credit bureau 's and the debt does not exsist on my credit reports. I would like the harassing letters to stop being sent to me.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that XXXX was opened on XX/XX/XXXX for {$1400.00} for collection on my Transunion Credit. I  called XXXX in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and  he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

about 5 years ago I had a check that was sent online and when I tryed to use the money I found out it was bogus When I tryed to talk to the bank they shut me off and I was reported to XXXX XXXX XXXX   and they keep blacking balling me to the point I can not open any bank account This is very hard to swallow absolutely no banks in florida will let me open an account and I did not do anything wrong I also would compensation for all the frustrations and because the bank would not work with me and it against the law to blackball a person maybe to their bank but to all I would call deification of character ruining my life
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

ON XX/XX/2024 I WENT TO THE ATM MACHINE OF THE BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX -- -- I TREID TO WITHDRAW {$1500.00} -- THE MACHINE WENT THROUGH IT'S NORMAL PROCESS UNTIL IT GOT TO THE END TO DISBURSE THE FUNDS -- NO FUNDS CAME OUT OF THE MACHINE AND ON THE ATM SCREEN IT STATED THAT MY TRANSACTION WAS CANCELED AND I WOULD RECEIVE MY FUNDS BACK IN MY ACCOUNT. ALTHOUGH I THOUGHT IT WOULD BE IMMEDIATELY- IT WASN'T. I WAITED UNTIL THE NEXT DAY XX/XX/2024 TO CALL AND SUBMIT A CLAIM -- WHEN I WAS TOLD THERE WOULD BE AN INVESTIGATION AND A TEMPORARY CREDIT WILL BE APPLIED TO MY ACCOUNT IN A DAY OR XXXX -- -NOTHING HAPPENED. SO, I HAVE CALLED EVERY BUSINEES DAY SINCE -- STILL NOTHING -BUT TO TELL ME THAT THE TEMPORARY CREDIT HAS BEEN APPROVED AND THEY HAVE UP TO XX/XX/2024 TO GIVE IT TO ME. I EXPLAINED TO THEM THAT THIS WAS MY LAST AMOUNT OF FUNDS I HAD TO LAST ME SOME TIME AND IT WAS VERY IMPORTANT FOR THEM TO ASSIST ME IN GETTING IT RIGHT AWAY- ALL THEY COULD DO IS TO IT KEEP REMINDING ME THAT IT WAS NOTHING THEY COULD DO BUT WAIT ON A CLAIMS TEAM. I CAN'T BUY GROCERIES-PAY BILLS OR TAKE CARE OF MY EVERYDAY ACTIVITIES. I FEEL THAT THIS IS A HUGE MISTAKE ON BANK XXXX XXXX PART- AND THEY NEED TO FIX THIS -- THEY ALSO SAID THEY WILL COMPENSATE ME FOR ANY LATE FEES THEY XXXX OCCUR DURING THIS PERIOD