davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I contacted Bank of America Credit Card to see what my available credit line was for the purpose of business. At that time I was informed by Customer Service that I was delinquent in my account with past due and late fees. I was surprised as I have this account set up on automatic draft as I do my other credit cards as well, XXXX to be exact. I immediately paid what was over due to become current on my account in the amount of {$320.00} plus my normal {$100.00} auto draft. When I returned home to my office on XX/XX/XXXX I began to audit my paperless credit card statements. I found that in XX/XX/XXXX between promo interest rates and new charges that my minimum payment had increased from {$85.00} to {$110.00}. I received no alerts between XX/XX/XXXX through XX/XX/XXXX other than my monthly paperless statements. During the holiday months I usually pay the minimum on all XXXX credit cards via Auto draft so that I don't have to worry about late fees. On all of my other credit cards that I have in the auto draft set-up there is a box to pay the minimum due payment regardless of change to the amount. On Bank of Americas website they do not offer this option, you can only manually enter an exact amount. On XX/XX/XXXX I received a letter from Bank of America that my {$11000.00} credit limit had been reduced to {$7500.00} on XX/XX/XXXX I made an extra payment of {$1000.00} and after careful review I realized that not only had they charged me multiple late fees and added interest rates, they also reported such to the 3 major credit bureaus which resulted in a 68 point reduction in my credit score. I have honestly never missed a payment or been late on anything in my entire life. Although I do utilize my credit for business purposes, that is a substantial mark on my credit history. I have reached out numerous times to different customer service reps which results in hours of holding times and countless repeats of this occurrence. On XX/XX/XXXX I received yet another letter from Bank of America that simply states " We are unable to approve your recent request regarding the above account '' with no explanation as to why or what they didn't approve. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (MS)

I received a letter in the mail today from BMO  Bank of Montreal. It stated that I had recently opened new accounts that needed more verification information. I called the bank fraud department to report identity theft due to me not opening these accounts. They confirmed that there was an account opened under my Social Security number, but they would not tell me anything else whether the account was closed whether there was checks written on the account whether there was checks ordered on the account if there was a debit card, etc., I asked for a claim number they denied it to give me that. I asked to speak to a supervisor I was told she didnt have one. I asked who I could make a complaint with. She told me customer service, which I was then put on an infinity hold. I held on for the fraud department for almost an hour. This is unacceptable customer service for somebody that has had a fraudulent account opened in their organization. The representative I spoke with in the fraud departments name was XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (AZ)

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX, this states I have the right to privacy. Under XXXX XXXX XXXX section XXXX A section XXXX, it also states a consumer reporting agency can not furnish account without written instructions. Under XXXX XXXX XXXX, a creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose. Under XXXX XXXX XXXX titled Definitions Rules of Construction : paragraph XXXX titled Exclusions and sub paragraph subsection I, states that transactions are not included in the consumer report. Please update all payments to XXXX.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (NJ)

I financed a SUV that was originally {$14000.00} but was told that it should have been {$17000.00}. Then because of my credit score (  XXXX ) I was approved by Exeter Finance for {$20000.00} at 28 % for 72 months ( {$620.00} ). This is a total cost of {$45000.00}. Even though I signed was this legal or was this usury?? The dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
Salesman : XXXX XXXX. 
( XXXX ) XXXX XXXX. Maintenance agreement doesn't state specifics. I guess arbitration will be needed!! I don't even have a loan contract number!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-12-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: World Omni Financial Corp. (NC)

I traded my car in on XX/XX/2019 with zero intentions of doing so. The first thing I told the sales person was that I was looking to get all information possible before I made a decision on buying. I never mentioned leasing because I was not familiar with it. I was told they would give me top money of XXXX XXXX  XXXX  for my car, and they ended up giving me a little over half. In the process I felt manipulated by the idea of leasing, and because I was compressed on time, they went over everything quickly making it sound like it was a great deal, made me lie about my monthly income so I could qualify, also mentioned the car was fully covered under a lease agreement and extra warrantys would not be needed which was not true. I make less than 20,000 a year and now Im stuck with a {$480.00} car payment because they pressured me into making a decision they knew I couldnt afford. Not to mention, they gave me way below the value cost on my old car. They also lied about making my first month payment, when in reality they took it out of my car trade in money with a {$960.00} left over after I reviewed the lease agreement. I have tried to get the deal refinanced but they keep telling me its not possible. I would hate to keep dragging this longer and take further actions.
Consumer complaint received 2020-04-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (MA)

I got a car loan in 2014 I am about to pay of loan off 5 months early. I called Santanders USA to see how much I had left to pay and to find out if this loan would go on my credit report. I went to look a cars a few months earlier and was told that it was not on my report. I was told by Santanders that my co buyer went bankrupted and because of that it would not be reported to the credit bureau on my behalf but that they could send me a receipt for the {$22000.00} I pay for the car. I myself have made all payments for this vehicle each month as the buyer never has the co buyer even been contacted in anyway or made any payments.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I pay my Synchrony XXXX XXXX  4 days in advance with XXXX  XXXX XXXX electronic bill pay. Now every month I receive a late charge of {$41.00} from Synchrony XXXX XXXX. At first they said my payment was late which was not true. A supervisor then said my payment was put on a Service Hold because I made another payment a day later. ( Making 2 payments in close proximity triggers a Hold according to XXXX XXXX XXXX. 

I was on an online chat wit XXXX and XXXX XXXX and they both refused to answer my question on how to find my statements on the website 8 times. I was on the chat for XXXX hours and they disconnected me 9 times. They were clearly trying to wear me out and disconnect me. Each time I had to go through a lengthy process to log back in and receive security code to return to the useless chat. XXXX XXXX told me the only way to see my statement is to request it with secure messaging. I later found it by myself. 

I have proof from XXXX  XXXX XXXX that I paid early but they both refused to tell me how I could send it. They only waive late fees once/year. IT IS CRIMINAL THAT I RECEIVED A {$41.00} LATE FEE FOR MAKING MULTIPLE EARLY PAYMENTS WELL OVER THE MINIMUM. 

XXXX is a criminal enterprise fleecing the public with late fees. There is no XXXX competent or intelligent enough to resolve this with. They have limited comprehension and their systems are broken. 

The phone message says that even if paid electronically it needs to arrive 6 days in advance. Therefore they have a false due date. XXXX  XXXX XXXX guaentees that it will arrive on the date set. I have proof that it was. XXXX delayed processing of it to generate {$41.00} late fee. They started doing this in 2024 and have charged me {$41.00} every month despite paying more than the minimum due 4 days early. 

It appears that the only way to deal with XXXX is with the XXXX XXXX XXXX and FDIC. 

I want to speak with someone competent that understands XXXX. 

Account number is unavailable since never received a paper statement. Online statement only shows last XXXX digits. They have NEVER provided an account number.
Consumer complaint received 2020-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

On the morning of XX/XX/XXXX I get a notification on my XXXX report of a derogatory remark from a XXXX XXXX XXXX stated that I owe a balance of {$500.00} from a First Cash. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with First Cash since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from first Cash in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with XXXX XXXX I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year ( XXXX ) in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company ( First Cash ) and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to XXXX XXXX ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that XXXX XXXX XXXX is a SCAM! and please beware.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (AZ)

They said I have the following loans XXXX Loan XXXX XXXX, XXXX, XXXX, XXXX all of these on an Affirm Virtual Cards. I never received any paperwork or documentation of any kind. I never signed anything. I dont even know what a Virtual Card is. I just was getting text and e-mails saying my payment was due on the XXXX to text a code to charge these and just listed the last XXXX numbers of a credit card numbers which I dont having any credit cards with any of the the numbers they had listed. I thought this was a scam so I ignored it. They say these loans were taken out on XXXX. They started the texting and e-mails I believe it was either XXXX or XXXX. I didnt start paying attention to this until they reported to XXXX for delinquent account. I contacted them with the help of an agency I have a membership in called Aura. Affirm did a 5 day investigation and is still claiming these are my loans which is not true. I used an Affirm in the past to pay for a hotel in XXXX payments, but it was drawn automatically out of my bank account. This has already severely effected my credit rating on XXXX. I went from a XXXX down to a XXXX.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

I, XXXX XXXX, and my friend, XXXX XXXX, went on XX/XX/2020 to bank to create a checking account. I had decided to create the checking account for my self, due to a referral coupon that my friend XXXX had sent me. The coupon is attached to this message. Upon arrival at the bank I went through the process of creating the account and showed the banker the email for the coupon off of my phone so that my friend could receive his {$50.00} referral bonus and I could eventually receive {$200.00} after completing the terms of the offer. 

After creating the account, applying the coupon, and leaving my friend noticed that he has not yet received the account credit. He waited a few days and then contacted chase through the online banking chat portal. The chat representatives informed him that they are unable to help him and that he would need to go into the bank. However, the banks around his house were all closed/on limited hours due to the corona virus pandemic. 

As a result I created an appointment with the original bank I created the account with in order to resolve the issue, as I had not received the {$200.00} coupon bonus for completing the terms of the agreement. The original banker was that there, another employee informed us that she was unable to find any records and that she could not help me. 

After leaving the original banked called me to inform, he told me that if I had showed him the coupon he would've put it in and that he would be unable to help me. I can guarantee you I showed him the coupon, directly from my email on my phone, and since I opened the account with my friend he is willing to serve as a witness that I had done so.
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have owned my cell phone number for over 10 years. Someone named XXXX XXXX keeps giving my number out to his debt collectors. Everytime i explain this to them and ask them to remove my number they either don't believe me and keep calling or they lie and don't fix it. It was over a year since i got any debt calls and now Golden one credit union is calling for this man again at all hours. I have saved all the messages they left. But as soon as it started happening i called them and explained that it has been a quiet year and i didn't want this starting again because he is a liar and this isn't his number. I called twice and golden one representative told me twice that my number would be removed this was over a month ago and they are still calling early in the morning and throughout the day leaving messages looking for this man. i'm so tired of this ... my parents are old and i am their caretaker so i need my phone free ... it is hard for them to remember a new number since i have had this number for so long ... my dad is XXXX and my mom is almost XXXX so to learn a new number would be very difficult for them. I would like to know if Golden One will stop calling from this complaint filed? thank you
Consumer complaint received 2019-12-01
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One purchased my Walmart account from XXXX XXXX, sent me a new card and advised that I would earn 5 % on purchases until XX/XX/XXXX. When I went to activate card they told since I was an existing customer I did'nt qualify. I declined to activate and requested the account be closed. THEY NOT ONLY CLOSED THAT ACCOUNT, THEY REMOVED MY ENTIRE 15 YEAR PRIOR HISTORY ( see bureau ) I have sent all bureaus copies of this. Since my complaint they have added 15 different remarks to my bureau in an attempt to intimidate me. If you look at my bureau you will see this is an obvious assault on the elderly. They put incorrect information in the bureau daily to change my credit score. I have printed documentation that I will gladly send to you They have nothing to do with my prior history with Walmart ( 15 yrs perfect pay ) so0 what gives them the right to remove this positive info from my account. Why put 15 remarks on my account?, why enter one day a {$5.00} account that does'nt exist then the next day add {$300.00} to it? This is bogus. I XXXX XXXX a Capital One employee and this is their way off showing me the power they have. This needs to be corrected> Thank You XXXX XXXX
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Chase ( R ) XXXX  ( R ) with XXXX ( R ) : We received a transfer request of {$490.00} to XXXX XXXX. To stop this transfer go to XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX  by Capital One Bank. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact Capital One ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).
Consumer complaint received 2020-04-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This was done on XX/XX/XXXX and was written to about this matter. Bank of America told that there would be an investigation and that I could not open any checking or saving accounts. The investigation took a year and I was given a letter stating that " opening checking and saving accounts are permitted '' to me. The amount was XXXX and it was from a closed account in which I had no knowledge. I have already spoken to Bank of America and they are supposed to send the letter within one to three business days. This complaint is to conclude this letter is sent for me to open checking and saving accounts and not to wait for the XXXX of XXXX of XXXX. This date was not told to me until I investigated this issue upon the XXXX  of XXXX of this  Year. I met with a Bank Associate and was told that this would be undone on the XXXX  of XXXX of XXXX. I need this copy of the letter stating " opening of checking and saving accounts is permitted '' to me. This issue was settled in XXXX.