davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NY)

I opened an account with BMO Harris on XX/XX/2017. I opened the account online, and used a code " XXXX '' to earn a {$200.00} account opening bonus. The account was opened with seemingly no issues, and even issued me my account number. I did all the activities I was supposed to do to qualify for the account bonus. I called a few months later to find out why i have not yet gotten the bonus, and a rep told me to wait up to 6 months. I did, and called back. This time, I was told I don't qualify, because I'm not in their retail footprint. 

If I'm not qualified, then why did the system accept my bonus code, and issue me an account number? Where on their website did the company state that this offer and code is for consumers within their retail footprint, and how is their retail footprint defined? If I put in a code that I don't qualify for a deal for on XXXX or any other website, the code rejects - in this case, my zip code should have alerted BMO, and the code should not have been accepted, nor the account opened under the pretense that I will be getting a bonus. The fact remains that the code went through, and the account was opened. This is a systemic failure on the part of BMO Harris ' IT department, and is a bait and switch tactic to get people to open accounts they don't qualify for. 

I am demanding that BMO Harris honor their offer and credit my account the {$200.00} bonus. I have called numerous times, and the various individuals I speak to, most recently a XXXX in the online banking call center, refuse to escalate this matter, and furthermore refusing to provide me the number to the executive office to formally complain to someone that actually cares. 

I intend to further file a formal complaint with the CFPB for abusive advertising practices, and non-disclosure of terms when opening an account online for promos.
Consumer complaint received 2016-02-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Recovery Group (IL)

I have been receiving multiple calls on my personal cell phone and my work phone from a company claiming I owe money for an online loan from XXXX. I have no memory of taking this loan and when asked for proof they told me they could send me a letter from their office but would not have the original documents as the " loan '' had been sold several times. They threatened to see me at home or work if I did not pay. I called the number XXXX and spoke with a woman who refused to give me her address or let me talk with a supervisor. She yelled over me and kept saying with I resolve this voluntarily or they would do it through the law and courts in XXXX XXXX. I do n't live in XXXX XXXX. I finally called back and got a man named XXXX who still refused to give me his address but said they would contact " Web Loan '' and see if they had the orinigal paperwork and would send it to me. I told them if I owe something I pay it and I did not believe this was legitimately my loan and that by law they needed to provide proof in writing. Again said it was doubtful that they would be able to get anything and that the original amount was {$500.00} but the amount to settle would be {$800.00} and would I be willing to pay today? I searched them online for both " GR Group '' and " Global Recovery Group '' and found XXXX in VA. I called them and spoke to XXXX XXXX XXXX who apologized and told me that they are using the name of his business but he is not in the personal loan collection business. 

Here is his e-mail to me : Dear XXXX XXXX : I am sorry you have been contacted by the " Global Recovery '' entity that is frequently mistaken with my company, Global Recovery Group, XXXX. I have repeatedly sought to alert the CFPB about this entity and its tactics, and attach a letter from XXXX in this regard. My suggestion is that you file a complaint with CFPB directly. 

With best regards, XXXX XXXX XXXX XXXX, XXXX. 
Chief Executive Officer Global Recovery Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX USA Tel : ( XXXX ) XXXX Mob : ( XXXX ) XXXX Fax : ( XXXX ) XXXX He also included a letter he has written to XXXX XXXX - director of your bureau.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

Navient and XXXX XXXX has ruined my life. I have lost everything due to the way they have ate up my credit report. I was in the Military, and XXXX. I have XXXX accounts on my Credit Report. They are selling my accounts re aging them, and leaving 90-120 day late fees. I have called and told them that I am on public assistance now because I ca n't get hired anywhere in a professional setting. My loans are consolidated, and they are still putting late fees on my credit report. I have went from a XXXX credit score to XXXX!!! All because of Navient. I ca n't find a job in my field because I of all the late fees on my report. I am currently paying XXXX a month just so I can get out of default. I could n't even get my taxes because of they have offset them. I am so depressed because I am trying to make payment on my account. They refuse to take off the late fees and remove the old accounts off my credit report. THE FEES ON MY REPORT ARE GOING TO BE THE CAUSE OF ME LOSING MY HOME. Please help me resolve this matter I need those late fees off my credit report and my account bought current, and please delete the old accounts that were transferred with derogatory information. Or just delete them all. I losing everything. I ca n't work in my career. How can I be able to pay you and I ca n't get a job due to your late fees. Please remove these accounts from my report
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo ran a promotion for their premier checking account and advertised {$2500.00} bonus when transferred certain number of assets. I have been rejected the bonus because my US tax identification was not on the account. I had mortgage with them and they could have reached out if they required tax info ( even after reaching all the conditions ). They got everything needed at bank and confirmed that they had everything when I converted the account to premier. 

This feels like a bait and swithch tactic by wells fargo, they got my business, got my asstets transferred and then rejected ny bonus for not havin tax id? How did you even get my assets without tax id?
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (FL)

I received a Pre-Approved letter from Aspire Credit Card for a {$700.00} credit card between XX/XX/2023 - XX/XX/2023. I then applied because of the letter received, however, I was denied after receiving a Pre-Approved letter. My issue is that a pre-approved letter speaks on eligibility information and is considered solicitation. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted Aspire Credit Card my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain your product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. Under Aspire Terms and Conditions When we ( Aspire ) solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. I was not offered neither an account or special terms with an account. After denying this application, Aspire Credit Card has adverse actions on my consumer report which is considerably unfair and illegal. Per 15 U.S.C. 6802 ( a ) ( b ), Aspire has failed to send me any form of notices giving the opportunity to opt out of any access they may have to my consumer report or any adverse actions that was caused by their decision to deny me, when Im sure I should have never been denied originally.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2017-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I have a PLUS Student Loan serviced by Navient. I graduated in 2013 and since then my monthly bill has been outrageous. The loan is in my mother 's name since I was not allowed to take out a Federal Loan in my own name at the time I enrolled college. Because it is in my mother 's name my monthly payment is calculated taking into account BOTH her yearly income as well as my father 's yearly income as both of my parents are married. Unfortunately, with their bills they can not pay my student loan and I am forced to pay not only my loan through Navient but also by Subsidized and Un-subsidized loans through the Department of EDU - Federal Direct Loans. I was given no help to navigate through this by Navient and was even hung up on after many attempts to contact them for help to try and consolidate the loans under my name to lessen my monthly payment. If there is any help you can get me regarding this situation, please let me know.
Consumer complaint received 2017-03-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NY)

My consolidation was complete on XXXX/XXXX/17 with Fedloan Servicing. Since then my third party representative has communicated with Fedloan Servicing and they have repeatedly told her that my application is still in process. According to the representative my account was place on an arbitrary hold pending processing. It has been over three months since I have been able to pay back my loans. Every time I call they say it should process within the next week and yet, here we are and it still has not processed. I called in on Wednesday and spoke to one of the women in the escalation department and she illustrated that it should finalize before the weekend, today I called and it still has not finalized and another representative told me it should take another week. I do n't have the patience to keep waiting on something that was supposed to process months ago. This is unfair to me as in the meantime my loans accumulate interest. This needed to be resolved months ago- I should n't keep being penalized for their " system error ''.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My car was in an accident and totaled out in XXXX of 2023. I kept waiting for it appear on my credit report as paid off. It was paid off on XXXX XXXX, 2023. I call a couple of times about this but they said everything would be straightened out in 60 days. I looked on the report and they have the account as closed and not paid off.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc. (AZ)

I had singed up for debt consolidation with Beyond Finance. I would may them directly and they would settle with my creditors for a smaller amount. I was making the payments and was told not to contact or pay my creditors anymore. My scores plummeted and they said stick to the program and they will improve. I was sent copies of the settlement offers and accepted them. Out of nowhere the settlement contract was canceled and I owed all the money I owed. I asked why and they couldnt tell me. Now my credit is ruined and they didnt even pay my creditors.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

I'm asking Chime to provide the documents used to open the account using my name without my authorization and my knowledge. The documents I'm asking for is ID, proof of address, phone number, email, tax report, etc. 

Also, as per statement provide by Chime, the address used is an address that I lived there until early XX/XX/XXXX. Note that the account was open on XX/XX/XXXX.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (VA)

This complaint is very similar to the one that was just settled with the bank returning the money. I have a very good friend in a hospital in California. He has a XXXX XXXX that is malignant and needs surgery. He doesnt have insurance or money. The hospital was requiring {$62000.00} deposit for a surgeon that we flew to XXXX  from XXXX renowned for that surgery. My friend does car business with XXXX XXXX near the hospital. His fianc lives in XXXX XXXX  where US Bank is located. Her name is XXXX XXXX she is a customer there. The ownership suggested I send a cashiers check XXXX would take it with her to XXXX  on a pre planned trip. I mailed the check overnight to US Bank manager XXXX XXXX, he put a 7 day hold but she was just going to pick the check up. During the hold period XXXX had a XXXX episode and spent about 3 days in the hospital. When she was discharged she went to the bank to pick up the check. Apparently she was medicated to the extent that she couldnt answer the questions that were asked. After the check arrived overnight I called the bank and explained truthfully what the situation was for my friend and the fact that XXXX was volunteering to deliver the check since she was going to visit her fianc. The problem is XXXX the manager refused to give her the check and since XXXX he has refused to return the check to me, thats a lot of money. It was sent to the fraud department they still have it. It was signed for at the bank on XX/XX/26. They decided it was fraud or a scam. Im still trying to help my friend. US Bank XXXX, XXXX  ph. ( XXXX ) XXXX
Consumer complaint received 2023-12-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (IL)

I was in and out of the XXXX  numerous times as well as XXXX XXXX. While I have worked with numerous collection agencies I do have XXXX  / spam blocker on my phone, as I also get many non legitimate calls daily.

JJross I have not actually talked to one time. I have not received physical mail, email from the agency.

All other agencies have worked with me and also have told many that I am pursuing bankruptcy and they kindly notate the account.

To put a derogatory mark on my credit without every form of communication is unethical. This was reported on XX/XX/XXXX. 

Lender : L J ROSS ASSOCIATES IN Account number : XXXXXXXX 
Date status reported : XX/XX/XXXX
Consumer complaint received 2023-12-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On the first week of XXXX of this year, I received an email from Macy 's to review my purchases made last month, however, I have not made any purchases since XXXX of XXXX, because I only use the card when my family is visiting me from my country. Multiple purchases were made on XX/XX/, in different locations totaling {$1500.00}, purchases of {$450.00} in XXXX XXXX, one of {$780.00} in XXXX XXXX, and another purchase of {$280.00} in the XXXX all on the same day. I haven't had my Macys card since I took my car on XX/XX/, to a car wash in XXXX, California. When I noticed these purchases I immediately called Macy 's to report fraud because I did not get any fraud alert of multiple charges being made nor did I make them myself. For 4 months I had to wait for Macy 's to get back to me, meanwhile also having to be responsible for paying a higher minimum monthly payment because my total balance was past its limits, I was furious because I was being made responsible for making these payments on a balance that is incorrect because of the fraud that was committed. Afterward, I received notice that my claim was denied because the person who made it, made it incorrectly, this XXXX I called and re-filed a claim for fraud because I did not want to be made responsible for such a high balance I was not responsible for. And now on XX/XX/, my claim was denied due to insufficient information, and now it is affecting my credit but also my livelihood because I work hard for my money and struggle financially. It hurts to see that his company did not send any notice to make sure I was responsible for these purchases and normally when you purchase an item in person using the store credit card they check ID in person. I need to report that this is a violation of my rights as a consumer because i am not being assisted with the proper help I require as a loyal customer that I have been for years.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX