davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (WA)

On XX/XX/XXXX, I attempted to open an Any Deposit Checking account with Bank of the West online ; however, I was told my identity could not be verified so I needed to go into a branch. On XX/XX/XXXX, I was able to successfully open the account in a branch. There was a promotion being offered at the time that if you opened an Any Deposit Checking account and made direct deposits of $ XXXX for three consecutive months, you would receive a {$250.00} bonus. My direct deposits, each for {$1000.00}, were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

When I still had not received the promotion bonus, I contacted customer service via secure message on XX/XX/XXXX to inquire about the status. On XX/XX/XXXX, customer service responded that they had no record of a promotion code for the bonus being attached to my account. I responded the same day that a promotion code had not been required for the bonus. On XX/XX/XXXX, customer service responded with, " Bank of the West Online Banking and Contact Center departments are unable to modify in any way the requirements an account must fulfill to obtain a campaign bonus. Our Research Department reviews all accounts to confirm eligibility for any campaign bonus. They make the final determination whether the required criteria were met, and issue any bonuses to qualified accounts. '' I met the qualifications for the bonus and would like Bank of the West to deposit it into my account as soon as possible.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have several CapitalOne credit cards and have maintained all of them in good standing for many years. Some I use more than others, some have/ had substantially higher credit limits than others. The card at issue was recently reduced credit limit without prior notice, and with no justification related directly to my conduct and account maintenance of this specific card.

Sudden reduction in credit limit has a direct negative impact on credit score, because 1/3-ish of the score calculation is about the % of available credit used. The substantial reduction has caused a substantial decrease in my personal credit scores.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (FL)

Some how a purchase on my credit card, and when I reported or stated a dispute they keep asking me things I don't have, I called them I said the only thing I have from that charge is a email receipt, which I sent it to over to navy today I received a email say? y dispute is Closed.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-02-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My wife & I purchased our first home from world savings. During our. XXXX yrs of mortgage payments the loan had changed banks 3 times. World savings to XXXX to Wells Fargo. We purchased our home in XXXX with 20 % down that I believed was suppose to eliminate the escrow account created by the banks. When my self-employed business hit a threshold. I applied to refinance but was not allowed. So I then applied for a modification during the foreclosure process my wife & I were told our paperwork documents that were certified mail was lost in the timely processing dual tracking is what I learned was the norm for the banks. I was blessed to get a contract signed to make the payment of 3 months + additional fees. Then XXXX yrs later we fell behind & never did receive a chance for a loan modification knowing what had happened to our first attempt. We were left with no other choice but to file bankruptcy to save our home. Even that process would not allow us to save our home. I asked for our equity back 2 years before any payments were paid. Even had the house sold for XXXX. But could not reach an agreement. My house was foreclosed on on XX/XX/XXXX. XXXX. I had filed a third attempt of XXXX  but was told I was to late.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (MI)

On XX/XX/2024 for Account # XXXX, Application # XXXX, I was denied my right to initiate the above mentioned consumer credit transaction, in which I have not received any benefits from the use of my credit, yet I have provided my personal information. The denial of my right to extended credit caused me mental and financial distress.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

Dear National Credit System I recently obtained a copy of my credit report from your agency and found the following item to be in error : I dispute the unpaid balance on {$570.00} account number XXXX. This account has been more than seven years. It is too old be shown on my credit account. 

I am requesting that the item be removed to correct the information. 

Enclosed are copy of statement of original transaction date supporting my position. Please investigate this matter and correct the disputed item immediately. 

Sincerely,
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.All this accounts was already disputed and updated in XXXX but still are in TransUnion and XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent item from my credit report. This fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report.

The following fraudulent item have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud item in my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ADIR INTERNATIONAL LLC (CA)

I called Curacao store to report, it is not my account so they stop reporting under my name to credit bureaus, that I have a police report and affidavit of identity and they did not help me. they only said to contact credit bureaus. 

Curacao furniture store, has a customer with name and birthday just as mine, but different social number. 
so they need to stop reporting under my name. 
I have made police report and affidavit of identity but they did not help me they just told me to contact credit bureaus. 

The other financial companies reporting under my name stopped reporting under my name as soon as I emailed them police report and affidavit of identity Curacao account info : XXXX XXXX account start with XXXX and I have disputed this with XXXX multiple times and that's what I explained to curacao representative, it has to start with you ( Curacao ) thank you and thanks a lot! 
XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over XXXX police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me. 
This account was not made by me or authorized by me. 

Fair collections account # XXXX
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX, I submitted an application in a consumer creditor transaction ( XXXX XXXX  XXXX XXXX XXXX for a Bank of America business credit card . A few hours later I received an email stating my application wasnt approved. I then called the underwriter/credit analysis department and asked why wasnt my application approved? The underwriter responded that there was some XXXX  determining factors for denying me. I then replied that those factors werent reasonable enough to not approve my application. And that, Im the original creditor extending credit in this transaction, so how is it possible I can be denied credit? I gave Bank of America the application for an exchange of credit and they never gave me anything in return!
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Driveway Finance Corporation (CA)

The allocation of payments has not been made accordingly. I recently made a {$1300.00} payment to cure the late fees and get back on track, but for some reason, I can not get an answer as to why the additional principal payment is not being applied to the late charges. 

I am requesting that XXXX XXXX please waive the late fees on the account so that I can get back on track.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

Since XX/XX/2023 I was trying to pay my credit card account but it wasnt possible because I didnt know that I have to update the app and I only received Sorry, try later, but now TD Bank charged me with a fee of {$29.00} which is unfair. I tried to communicate with them but they make the process difficult so that it is not possible to do it. Its a nightmare.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (TX)

From XX/XX/XXXX I had a Target Redcard interest rate of 22.90 % for Charges and 25.90 % for Cash Advances. On XX/XX/XXXX Statement it showed 28.15 % for charges and 31.15 % for Cash Advances. As a settlement, I politely asked for 3 months waiver of interest from XXXX XXXX, they gave only one month. Stated I could have one month as a courtesy. Called several times, same response. No additional waivers. 

Never received a letter for APR change nor was it mentioned on the statements which followed. No consumers attention at any time. The interest changed every 3mos during this time period.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WA)

In late XXXX I cancelled an insurance policy with XXXX XXXX and purchased a policy from XXXX that more fit my needs. At some point later I became aware that a collection had been filed from XXXX with Credit Collection Services. I contacted XXXX to discuss the {$140.00} that CCS claimed was owed. XXXX customer service representative informed me that it was a mistake and that XXXX owed to me a balance of {$92.00}. They sent a check to me for {$92.00} and at that point I believed that the matter had been resolved. I was wrong. CCS continued to hold my account in delinquency. I have uploaded to CCS website a statement from XXXX dated XX/XX/XXXX showing that there is {$0.00} balance due. This did not resolve the issue. I again contacted XXXX on XX/XX/XXXX and had a three-way phone call between myself, XXXX agent XXXX XXXX XXXX and an agent from CCS. XXXX went through the procedure to electronically clear the collection as instructed by CCS agent. I waited thirty days and then called CCS on XX/XX/XXXX to verify that my record had been cleared. I was first told by CCS agent that XXXX XXXX did not have the authority to clear the record. I then asked to speak with a CCS supervisor, XXXX XXXX. XXXX XXXX claimed there is no record of our three-way phone call on XX/XX/XXXX or any record of the order put through by XXXX XXXX XXXX XXXX had sent an email to me outlining the electronic order. I uploaded a copy to CCS website on XX/XX/XXXX. 
This collection has decreased my XXXX score by XXXX points. I do not know if this attack on my reputation is by mistake or is malicious. Due to the refusal to correct this abuse, I suspect the latter.
Consumer complaint received 2023-12-05
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: BARCLAYS BANK DELAWARE (FL)

A membership purchase was attempted and credit card company denied payment, I then used another card for payment. The denied payment then was posted to my statement. I spoke to the merchant on 5 different occasions and they advised no payment has been received from the denied card. I have spoken to the denied card company several times with no resolution. I asked to know where the disputed payment went with negative results. I have asked to speak to a supervisor and was disconnected. I have credit statements from both companies for the exact same charge. All the disputed company will say is that the charge was posted and it will take XXXX for them to look into the discrepancy. 
Any assistance will be greatly appreciated.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

On XX/XX/2023 I used the XXXX  ATM located at XXXX XXXX XXXX XXXX XXXX XXXX. This ATM is next to a XXXX XXXX  ATM. I wanted to withdraw {$300.00} using by chime debit card to then deposit that cash to my XXXX XXXX account. At XXXX XXXX  I requested {$300.00} from the XXXX  atm and it had a {$3.00} charge. The ATM cancelled my transaction, no money was dispensed and I collected the receipt. I called XXXX and they told me to dispute it with my bank. I then used my CHIME card at the XXXX  atm to withdraw the same amount of money that was not dispensed. I filed a dispute with CHIME and it was denied. 

Can the camera on the ATM be used to show that my transaction was cancelled?
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (FL)

Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making report
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (NV)

" Thank you for your payment. 
XXXX, thanks for your payment! 
XXXX XXXX Congratulations, your Affirm , Inc. account is now resolved! 
For your records, here are the details about your payment : On XX/XX/XXXX, you made a payment of {$230.00}. You paid with a XXXX with last four digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment resolves your balance with Affirm , Inc.. 

Provided that any payment you made is not returned unpaid, we will report to Affirm , Inc. that this account is resolved and no further attempts will be made to collect on your account. 

Thanks for working with us. 

Your payment information Payment amount {$230.00} Payment date XX/XX/XXXX XXXX account number XXXX Creditor Affirm , Inc . 
Affirm, Inc. account ending in XXXX HOW DID WE DO? 
As always, if you have any questions just reply to this email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Your XXXX account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX  ET XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. '' I called Affirm and they I still owe {$150.00} dollars because this wasn't settlement and I owe interest. 
I called XXXX and they said, a settlement doesn't resolve the balance. 

I advised I was told this would settle my account and I will not be contacted for any further debt owe. 

Please help
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (PA)

by the date XX/XX/23 I request to Early Warning Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX to delete, Opt-Out Request Pursuant to 15 USC Code 1681b my information and they failed about the process,, its been more then 30 days and any results or any update its been completed in my report.. causing me very difficult problem to open a bank account.. 

I urge Early Warning Services to remove any inaccurate, incomplete, or outdated information from their database in accordance with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

1 : Account Closed by bank Source of Information : XXXX Reported For : SUSPECTED FRAUD ACTIVITY Amount : {$870.00} 2 : Account Closed by bank Source of Information : XXXX XXXXXXXX XXXX Reported For : SUSPECTED FRAUD ACTIVITY
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2024 i submitted an application for a consumer creditor transaction to extend credit to Bank of America for a {$50.00} business auto loan. A few hours later, I received an email that my application was not approved but denied. I immediately contacted the underwriter/ credit analysis in regards to why I was denied. After hearing the determining factors from XXXX requirements. I then stated that Im the original creditor in this consumer creditor transaction and that none of those reason were valid for a denial. I then stated that the mere submission of the application was the promissory note that granted the credit or tendered payment! I gave Bank Of America the application for exchange of credit and I never received anything!