davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

I am writing to express my dissatisfaction with the handling of a recent promotional offer related to the opening of a Relationship Checking Account with your institution. The promotion in question promised a {$500.00} reward for customers who opened a Relationship Checking Account and deposited {$7500.00} via direct deposit, with the reward to be credited within 10 days from the end of the tracking period. 

I completed all the necessary steps to qualify for this offer, including the timely deposit of {$7500.00} via direct deposit. During my communications with your customer service representatives, I have been repeatedly assured that I have met all the requirements for this promotion. Despite this, the {$500.00} reward has not been credited to my account, even though I was informed that the tracking period closed on XX/XX/XXXX, and the reward should have been credited by now. 

Every time I have contacted customer service, I have been told that the issue is still " in progress, '' without any clear explanation for the delay or a concrete timeline for resolution. This lack of transparency and accountability is deeply frustrating, especially considering the clear terms of the promotional offer. 

I request immediate action to resolve this issue and have the {$500.00} reward credited to my account without further delay and an additional compensation of {$200.00} for not following the terms of their own promotion. Additionally, I would appreciate a written explanation for the delay and the steps being taken to ensure that such issues do not occur in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Navient dropped me from their autopay system without my knowledge, and several months went by without me paying. 

Now that I am trying to repay and get back on autopay, Navient refuses to take a partial payment and has not waived late fees.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ORG GC GP BUYER, LLC (MI)

Multiple checking accounts where opened in my name using my SSN unlawfully This is hindering me from opening any account with any major banking institutions in the United States of America. 
I have started the process of filing a police report and reporting this to all other bureaus XXXX XXXX XXXX XXXX XXXX Did not authorize the use of any of my personal information for any misuses
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

XX/XX/year> Attempts to freeze credit with Experian. Tried to establish acct on line. Feature to auto capture pic of my drivers license did not work. No how to info provided. Could not continue to request freeze. 
Called Experian- deadend- no option to speak to representative. 

Easily requested freeze from XXXX and XXXX I am part of recent data breach - ability to freeze online or by phone should be available from Experian also!!!!
Consumer complaint received 2024-08-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Have numerous prepaid gift cards and they are impossible to use, no retailer is able to charge partial amounts and now its completely useless online. Several years ago these cards would work with XXXX, XXXX and the likes, but now they are just useless trash. Imagine this is Amex trying to keep the small balances as profits, how is this even legal?
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

New notice of change in interested rate to XXXX XXXX for all charges, purchases, balance transfers, cash advances... 
also increase in returned payment fee to {$41.00} note that I dont recall ever making late payment on the card, opened in XXXX is this legal?
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received an email from my bank telling me my checking account where I received my SSI benefits only has been put on hold due to a legal document from a debt collector and they must comply I received in the mail a letter from the sheriff of Passaic county and in the letter it clearly states that SSI benefits are exempt I called the Sheriff and they advised me to contact the bank and the law firm ( debt collector ) the bank says they cant do anything without the orders of the sheriff the law firm wont return my calls what can I do? 
Im upset at the bank for touching SSI Benefits which are exempt in my state of NJ
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

My name is XXXX XXXX XXXX XX/XX/XXXX last four of ssn is XXXX. There was a credit card for XXXX XXXX opened under my name XXXX  XXXX XXXX years ago. this account has been paid off in full & belonged to my now ex spouse. I am writing this to ask for the late payment forgiveness & ask that the two late payments from XXXX & XXXX be taken off my credit report since the account has been paid in full & no longer used.
Consumer complaint received 2024-08-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (ID)

I received an email from US Bank stating that the State of WA requires them to notify me of unclaimed property, which is prepaid XXXX credit card in the amount of {$75.00}. It tells me to call a number to have the card reissued if I dont have it anymore, which I dont. When I call, Im directed to a website that tells me to call that same number and has no further instructions or help. The letter lists a property number which is XXXX, date last active which is XX/XX/21, system of origin XXXX.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

My uncles father gave me a check of XXXX and wrote my XXXX nickname on the check which is XXXX and that name stands for XXXX which is XXXX in XXXX they froze my check it already came out of his account and they are holding the money saying I need a birth certificate that thats my name the issue is its just a nickname. They dont want to give the money back to him either or give me the money. They refuse to listen to anything and they closed my account.
Consumer complaint received 2024-08-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Hi there in XX/XX/XXXX- the XXXX of XXXX XXXX for XXXX dollars and some change taken away from my account. And then I got overdrafted. 
I later then got overdrafted in XXXX, XXXX and I am currently being overdrafted in XXXX. 
I have contacted Wells Fargo multiple times about the charges and the overdrafts. I have spoken to multiple representatives who have made fale promises and I never got my money back. 
I got overdrafted for a good amount of XXXX dollars and continue. Every customer service representative from Wells Fargo said that they can not really help me with the overdraft fees because I accepted the overdraft fee of XXXX dollars. 

I got over drafted from the following dates and the bank refuses to help me out, even when I am really kind to them. 

From XX/XX/XXXX to XX/XX/XXXX I got overdrafted XXXX  times for XXXX dollars. After a certain point the over draft fees stopped and the bank began to negate charges like I asked a long time ago. But I had over XXXX dollars in overdraft plus the amount that I was charged for items. 

From XXXX XXXX to XX/XX/XXXX I am getting overdrafted 5 times for charges that I thought the bank was going to negate. 
Then in XXXX, XXXX and XXXX I got overdrafted a fewtimes. 

I am really upset because I can not extend Wells Fargo grace period I asked customer service for help on many things. They did refund me XXXX dollars after they took a lot more. 
I also tried speaking to customer service about a return I made back in XXXX of last year but they also said that I was not able to get the money even after I sent them messages and gave them a receipt for an item I returned. I work for XXXX XXXX and I returned the guitar but Wells Fargo charged me XXXX cents that I knew I returned. And since I work at the shop and know many managers they told me to speak to Wells Fargo. 
Wells Fargo has been anything but helpful. 

I want a refund for the items that they overdrafted and for the money that they took from me.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ROBINHOOD MARKETS INC. (NJ)

I am writing to file a complaint against Robinhood CreditXXXX regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Robinhood CreditXXXX website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

In XXXX I refinanced two mortgages with my credit union, Schools First Credit Union. At the end of the refinance process I only received closing documents for the one of the home but no the second home. When I inquired about the missing documents I was told to wait because of course the County of XXXX XXXX was backed logged. I wanted a complete year. I notice that only the taxes on my primary home was paid in XXXX of XXXX, so I inquired about the second home not being paid. They ignored my concerns so I paid the complete bill myself. It is only then that they tried to come behind and pay the same bill ; however, my payment cleared first. The credit union has yet to give me back the refund the county sent back to them in XX/XX/XXXX. I then went into the back on XX/XX/XXXX and spoke to the same Manager, XXXX XXXX, whom helped me earlier in XX/XX/XXXX. She informed my that they would put the money into my checking account in 5 days. Instead the institution took an other withdrawal from my escrow account and sent it to the County. Schools First was given proof that XX/XX/XXXX and XX/XX/XXXX taxes had been paid in full by in XX/XX/XXXX by me. 

Their mishandling of paperwork and my funding has caused emotional and financial hardship. It is giving me XXXX  and I can not catch a break with my bills and spending because they have not refunded me the money. It seems that their institution is penalizing because I inquired about the missing documents at the end of the refinance. They have been dismissive and seemingly punitive toward me and my accounts ever since. I feel harassed and financially victimized.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX LVNV FUNDING LLC Balance {$1900.00} Acct # Account number XXXX This letter is regarding the Acct listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim in disputed. 
I am requesting validation, made pursuant to the Fair debt collection Practice Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection practice Act FDCPA 807 [ 15 USC 1962e ] therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reportings. 
Failure to respond in 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt collections Practices Act You will be required to appear in court venue local to me since you are clearly doing business in my area. 
For the purpose of the 15 USC 1692 et seq. this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Side note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This isa request for informationonly, and is not a statement, election or waiver of status.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (ME)

I applied for a store card and got a {$500.00} credit limit less than a year later they dropped it by about 50 % a year later they dropped it by another 50 % it was actually several different times but it has dropped down from XXXX to {$130.00} the last one was roughly a drop of XXXX or XXXX dollars. Every time I talk to these people they tell me that they did this in regards to my credit score which by all accounts has done nothing but go up and every time they drop my limit it drops my score I need not say why. Over the course of the 3 years I have accumulated XXXX to XXXX XXXX dollars more credit from other creditors whether new accounts or increased accounts I have yet to have one go down other than this account and one other tied to the same creditor
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year> security freeze
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC (TX)

I have been calling Verve XXXX company since XX/XX/2024 and on that date I spoke with a representative named XXXX who then transferred me to the credit protection program department, well I was told that I would receive the form in my email within XXXX to XXXX hours and I never received the form to use the credit protection program. I then call back on XXXX XXXX and spoke with XXXX and was told he could not help me to call the credit protection department at XXXX which I did still could not get anyone to help me. I called back on XX/XX/2024 and spoke with XXXX and was told that I should receive the form to use the credit protection within XXXX hours which I never received. I called back on XX/XX/2024 and spoke with XXXX and was told that I could not use the credit protection program until I was current on my payment. Now this is the first time someone has told me that I would need to bring the account current before I could use the credit protection that I have been paying for every month since I open the account. And now I am not working and need to use the protection program I can't use it. And now they have turned me into the credit bureaus for a late payment which all this could have been avoided if would have been told that I could not use the credit protection program until the account was current. Now I have a late payment showing up on my credit report when I tried on several occasions to avoid this negative response.
Consumer complaint received 2024-08-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

My wife and I established a trust in XXXX and requested to have our mortgage rewritten in the name of the trust. Our loan is with Lakeview which is owned by XXXX XXXX. 

We were asked to mail a copy of the trust documents to XXXX to begin the process. The paperwork was sent via certified mail on XX/XX/XXXX. We were instructed to call the company once the mail was signed for which was on XX/XX/XXXX. We were told that the mail couldn't be located and to call back in a few days. 

We phoned again on XX/XX/XXXX and were told by XXXX that another department needed to be notified to look for mail, and were instructed to call back in XXXX business days. 

Again, we called and spoke with XXXX on XX/XX/XXXX. We were told at that time to expect the loan to be rewritten by XX/XX/XXXX and to check back after that date. Apparently the paperwork is in their Special Loans Department since we're rewriting it for a trust. 

We called on XX/XX/XXXX and spoke with XXXX who said to call back later in the week. The loan wasn't ready. During a XX/XX/XXXX call, we were told that our case had been sent to their Escalations Department to investigate the delay. We were told that we'd hear from that department in 3-5 business days. We subsequently received an email on XX/XX/XXXX confirming the same. 

It is now XX/XX/XXXX, and we've not heard from the company. 

It should be mentioned that we did not choose LakeviewXXXX as our lender when we purchased our home 10 years ago. We worked with a local community bank who then sold our loan to another company which was later assumed by LakeviewXXXX. This is not uncommon, but people should ask their lenders if their loan will be sold before they sign.
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MD)

There is a collection my credit for {$140.00} i do not owe this company this amount of currency. i filed a dispute with the different credit bureaus and there was not anything beside them asking XXXX to look at the collection again. I discontinued my service but they were trying to charge me for the equipment. I told there representative that I would go into an XXXX location and drop it which i did at XXXX XXXX XXXX XXXX  XXXX MD XXXX. They do not give you a receipt they just told it would be logged in there system so if they did not do there due diligence of ensuring this equipment was logged and reported that is not on me. 
Also per the FCRA 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Cashapp claims that XXXX XXXX disputed XXXX transactions or cash apps she sent me totaling {$130.00}. They took that money from my account. XXXX says she has never made any of these disputes.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CBE Group, Inc. (IA)

This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me