davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (CA)

I recently opened a store card at Nordstrom. I made a purchase of XXXX that day, and a few days later, returned XXXX of the items ( - {$37.00} ). A few days later, more than {$1000.00} of unauthorized purchases were made. I did not find out until I received my statement today. I do n't even have a physical credit card yet, just a ( now expired ) temporary card that is essentially a receipt containing a bar code, nor have I been able to set up online sign-in without a copy of the credit card and full CC number. The unauthorized purchases were all made on the same day, in two Nordstroms ( one of which was the store where I made the return, the other was a nearby Nordstrom ).
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried to reach TransUnion to no avail ... they are NOT responsive. 
They have me listed as a " delinquent account '' with XXXX XXXX XXXX which is totally inaccurate. I charged a recliner with XXXX in XXXX XXXX ( or XXXX ) for $ XXXX with XXXX XXXX XXXX. I paid monthly for a year and totally paid it off! Then I considered buying a bedroom set with XXXX ( XXXX?? ) and the salesman noted that I already had an account with XXXX XXXX. However, I DID NOT BUY THE BEDROOM SET! But ever since then TransUnion has reported me as having an account and being delinquent which is totally INACCURATE. They have messed up my credit score unfairly and this issue needs to be resolved once and for all. There is NO account with XXXX XXXX XXXX. ( I have receipt for recliner but do n't know how to attach it )
Consumer complaint received 2017-01-25
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I currently work for XXXX and have an HSA account through HSA Bank. I earned health incentives in XX/XX/XXXX. One of the services was performed on XX/XX/XXXX However, HSA Bank did not deposit the incentive into my account until XX/XX/XXXX. I understand it is XXXX 's policy that incentives deposited in XX/XX/XXXX are put towards your XX/XX/XXXX contribution ; but I do n't believe it is fair when other co-workers of mine had doctor 's appointments in XX/XX/XXXX and had their incentives deposited in XX/XX/XXXX towards their XX/XX/XXXX contribution. I think that if you earned something in XX/XX/XXXX, it should be deposited towards your XX/XX/XXXX or else you could be left with a tax burden if you no longer work with the Bank in XX/XX/XXXX.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I just recieved a phone call from Navient previously known as XXXX. First begining with the conversation I was informed I had a private loan I knew absolutely nothing about. After a while discussing this matter I was offered a settlement of {$450.00}. She tried her hardest to get me to pay this portion in full so this loan i knew nothing about would be taken out of deafault. She offered me to pay {$50.00} a month until the {$450.00} was repaid. I informed her " it was impossible for that to happen '' she fought with me stating " you dont want the lower ammount '' i replied " yes of course " she said " my advice, than pay the ammount i stated '' I have a XXXX husband and child that i am barley able to feed. I offered {$20.00} and she basically told me, that couldnt happen because it would take to long and my loan ( that i knew nothing about ) would be in default until it 's paid and they would charge interest again ( after taking it off to " settle '' ) I also have XXXX federal loans that were just taken out of default through loan rehabilitation ( different company ). Now, after the rehab those federal loans are being handled through Navient. I just dont understand this process and feel very offended that this women thinks i am stupid by tricking me to pay a lower ammount. I also KNOW i was taken advantage of by XXXX when the women who applied for my loans for me, told me the XXXX year old me should apply for myself instead of having a co-signer or putting my loans in a parents name. I was also kicked out during my externship at a doctor 's office ( during work hours ) because i couldnt pay them the money owed for a failed class ( due to absenses ) They never even offered me a payment plan for that. I am outraged that 10 years i am still dealing with the harassment of XX/XX/XXXX. Their lies have affected to many of us and today i am informing you that they are still at it, even after all the lawsuits they have encountered. I am scared to continue dealing with them for my federal loans, due to their im professionalism and vandictive ways. I worked so hard to get those federal loans out of default, after years of bad credit i am able to obtain my first credit card. I am XXXX years old and i am not taking this madness anymore!
Consumer complaint received 2016-12-08
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: KEYCORP (FL)

Key Bank debt XXXX indicated that if I submitted a letter from my daughter, XXXX notarized and an admission of the debt belonging to her, they would hold her liable for the debt in which she signed for with the organization. This debt belongs to XXXX, the debt collector has it under the account numbers on my credit reports. Key Bank NA acct number XXXX and Student Loan Mkt acct number XXXX and Key Bank account number XXXX. I have submitted this information before and Key Bank still has not released liability. I have provided my signatures for the time I have. I was able to locate my mortgage document from XX/XX/XXXX, provided a signature from XX/XX/XXXX those are the only signatures I possess unless I can provide you with current signatures I had to keep searching until I found the signatures attached and forwarded them. The only other documents I have are the death documents from my son from XX/XX/XXXX. But I have continually provided the documents in which you requested so please remove liability as per your letter attached.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (VA)

I used Affirm to book a hotel room for our vacation. I specifically paid for a room with a kitchen. When we arrived from our 6 hour drive, we had a regular hotel room. The standard room was cheaper, but we paid extra for the room with a kitchen. I have pictures of a room with a kitchen. They breached contract by not giving me a room that I paid for. I reached out to the hotel and they could not care less. We brought food that we had to throw away. The hotel told me to reach out to XXXX who I used to book. XXXX gave us the run around for over an hour on the phone. After that, I disputed the charge with Affirm in hopes of recouping some of my losses. They came back today and said because XXXX has a no refund policy, they are siding with them. There is no discount, nothing. I am expected to pay the full amount of the room that showed a kitchen that I did not receive. How is this legal? How can they force me to pay for what I did not receive? This is very upsetting.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

Frontier Airlines charged my Frontier Mastercard {$590.00} on XX/XX/year> for a XXXX XXXX  that I did not authorize, do not want, and do not have access to on my Frontier Airlines account. I disputed the charge with Mastercard and was temporarily credited the {$590.00}. Mastercard subsequently placed the {$590.00} charge back on my credit card and closed my dispute, referring me to Frontier Airlines for resolution. 

Frontier Airlines has refused to remove the {$590.00} charge and advised that they consider the matter " closed ''. I informed Frontier Airlines that the dispute with Mastercard is closed ; I never authorized this charge ; I never wanted another XXXX XXXX ; and I do not have access to a XXXX XXXX  on my account. 

I have been charged {$590.00} for something I never authorized or wanted and have evidence that I was never provided access to. This is criminal theft of funds!
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Out of the blue, I get a call from : Pro Collect XXXX TX They were extremely rude, and insisted I owed for a XXXX XXXX electricity bill from 2013. I told them I never had that service. I asked them for details. They would only provide them by mail after I gave them my current address. They insisted I pay the debt immediately or they would report the non-payment to the credit bureaus. They sent a statement for a bill for a person who shares my name ( or used my name ), and lives or lived at a place in a part of the state I have never lived. 

I sent them a certified letter disputing the debt and asking for proof, such as an original contract, that the debt was mine. They responded only with the same billing statement from XXXX XXXX and stated the debt was mine.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I got a call from Cash Call on XX/XX/2016 and was offered to refinance my mortgage at XXXX % with no costs and no appraisal ( I had recently gotten an appraisal with them, but was given a " bait and switch '' to a higher rate, so I declined that loan. ) This time, they said the previous loan handler screwed up, and they would help me make this one go through. I filled out all their paperwork, emailed them copies of all supporting documents they wanted. They then said they were waiting for a response from the credit union that was holding the loan for my solar panels, which needed subordinating. I waited and waited and kept calling them and asking why the loan was being held up. They kept saying the credit union did not respond. I then contacted the credit union and I now have proof that Cash Call did not notify the credit union until XXXX ( and they promptly responded on the XXXX. ) In other words, Cash Call dropped the ball and did not get the subordination they needed until almost XXXX weeks later - at that time, rates had gone up, so they no longer wanted to honor the offer they made me. Meanwhile, my credit score has the ding of the extra credit score pull, I have wasted all that time and effort getting them docs, and they want to weasel out! It was their fault! They dropped the ball -- not me! 

To make matters even worse, this is the second time!! The first time ( a few months ago ) I even went through the entire hassle of going through a home appraisal. I kept telling the loan agent that I would only refinance for a no cost rate of 3.75 % and they kept saying " we will work something out. '' After completing everything, filing for the loan, getting the appraisal, etc, they did a bait and switch and came back complaining saying " Come on! After all that work, you wo n't accept a higher rate? We ca n't do the lower rate we had mentioned. '' -- - I reminded them that I had been telling them all along I would not agree to a higher rate. They cancelled that loan, and my credit score plummeted. Now they are at it again!!! What is going on? Do they get money for getting people to agree even if the loans do n't go through???? 

If you need proof, I have all the phone calls recorded myself ( and they do too ) for which I can provide you the XXXX files, and I have all emails.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (KS)

In XX/XX/XXXX I set up a Debt Management agreement that BMO Bank verbally agreed to at that time. Finally 5 months later, BMO sent the signed agreement. 
I agreed to have the Debt Management company make a monthly payment to BMO on my behalf. In return BMO agreed to waive any late fees and to maintain/not increase the interest rate. In the meantime, since XX/XX/XXXX, the Debt Management company was making the agreed monthly payments on my behalf. and has consistently made the monthly payment to the present time. 
Whereas, BMO has charged a {$39.00} late payment fee every month from XX/XX/XXXX through XX/XX/XXXXXXXX  ( 21 months ). Additionally, they have raised the APR from 26.24 % from XX/XX/XXXX, when I entered the program. I don't know what I'm being charged now, as BMO will not give me access to monthly statements. 
I have tried to speak with BMO Collection Manager, XXXX XXXX, but she is never available and messages I have left are never returned. 
So I used a law firm to send her a letter asking for a reconciliation of my credit card account, and demand credit for the late fees and excess interest charged. She was given 15 days to respond. That date has long passed with no response. 
For months I was getting daily collection calls, sometimes 5 in a day, from BMO telling my account was past due. I explained numerous times that my account was placed with a Debt Management company, and I should not be getting these calls. The CSR would say, OK, I'll put that note in your account. And the calls would continue. 
Recently, the calls stopped. Then I got a letter from a third party collection company telling me that my account had been placed with them for collection. I wrote to them and explained that my account was being handled by a Debt Management company who was consistently making payments on my behalf in accordance with the agreement that BMO had signed. I asked them to refer my account back to BMO. I have not had a response from them or from BMO. 
In the interim, because BMO sent my account to outside collections, my credit score has dropped so low that I can not get a new credit card or a personal loan. BMO has placed me into financial hardship. 
According to my Debt Management company, I owe more now to BMO than when I entered the program. 
Since BMO Bank has not honored their side of the Debt Management Agreement, I would appreciate any help in bringing BMO into compliance with that agreement, and getting my credit card account reconciled, meaning being credited with all late fees and excess interest charged from XX/XX/XXXX, in addition to doing whatever is necessary to restore my credit score with the three credit bureaus. And how about a big apology for my duress and a lower interest credit card with a {$1000.00} credit line. Not kidding...
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (TX)

I received a notice from my ID protection service that a credit inquiry was made. My service indicated it was Chase bank and since I do business with Chase, assumed it was OK. XXXX weeks later as received an XXXX credit card with a XXXX limit. This card was never requested The card was sent to my home address. I called to report and Chase considered it fraud. I asked for documents used to authorize the request but was told that is " confidential '' A quick review of the complaint database indicates that this has been happening a lot. I would like to find the real facts on this breach. Is this an issue at XXXX or Chase? Is this another example of a bank employee opening accounts to win awards? It is frustrating that Chase will not take any responsibility to find the issue given the frequency this seems to be happening.
Consumer complaint received 2024-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dispute of Unauthorized Credit Inquiries Dear Captial One, I am writing to formally dispute certain inquiries listed on my credit report. Upon reviewing my report, I noticed an inquiry from Capital One dated XXXX and XXXX that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information in my credit report. Please investigate this matter and remove the unauthorized inquiries from my record. 

Enclosed are copies of my credit report highlighting the inquiries in question. I would appreciate your prompt attention to this matter and a written response confirming the outcome of your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is business credit card opened in my name in another state and I reached out to Capital One and they tell me they can not provide the original application to see who applied and from where and they tell me they do not have an original application because it was taken over the phone. Now This business is registered in XXXX and it is not associated with me. I have been battling with this since 2021. They have now levied my bank account for {$14000.00}. 

I do not own or am associated with creative residual.
Consumer complaint received 2016-04-13
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oracle Financial Group LLC. (FL)

These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

I have already submitted a complaint about XXXX/Navient. I remembered another piece of information about how they treated me unethically. Since they would n't offer me any type of solution to reduce my payment ( I was behind on payments because I could n't afford them and they would n't help me ), they did offer me to take my past due balance of over {$2000.00} ( That 's just from a couple of months of missing payments ) and they would reduce it to {$0.00} so I would n't be defaulting, but they were going to capitalize it on the principle balance. I also discovered looking on my Navient account history that when I had only been out of XXXX school for 6 months, they already capitalized over {$9000.00} on to my principle! XX/XX/2008 Capitalized Interest {$9900.00} I graduated XX/XX/2008
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I disputed the late pay indicated on my credit profile, that transunion updated on XX/XX/2016, still showing it was late, but I have a letter from XXXX dated XX/XX/2016 stating it was in deferment and not late. This indicates that Transunion did not investigate the issue reported to them.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America accounts XXXX and XXXX were closed without notice or explanation. And now over {$350000.00}. in my funds are in those accounts and BofA will not give me any clear idea of when I will get the money out. They tell me they will mail me a check eventually, or that I may ask sometime later this week for permission from the " back office '' to withdraw my funds in person from a branch. This is ridiculous if BofA is going to close my bank accounts I must be allowed to withdraw the funds IMMEDIATELY. ( I am traveling right now and am not even available to receive check via mail, so going into a branch and withdrawing my funds in person is the best option. )
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.