davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX, I attempted to make a purchase from XXXX Off XXXX using a split payment method, split between my Personal Platinum and my Business Platinum cards from American Express. Payment went through on my Business Platinum card but was declined on my Personal Platinum Card. The next day, I re-tried payment but the opposite happened : Payment went through on my Personal Platinum card but was declined on my Business Platinum card. I reached out to Amex about the issue, most notably that both charges, one in the amount of {$13000.00} and one in the amount of {$4100.00}. 

I inquired about how long it would take for both charges to drop off my account. At this point, Amex informed me that 1 ) both charge cards had been restricted and had a very low credit limit placed on them, and 2 ) I had to wait a minimum of 12-14 months before I could appeal the credit restriction. 

Even worse, the pending charges on both charge cards WERE NOT contributing to the temporary credit limit, so the credit limit ( {$4700.00} on both cards ) that was placed DID NOT have the room to increase once the pending charges on both cards fell off. 

When I asked to appeal this, I was told there was nothing I could do, and if I didn't like it, I should just close my account. I first spoke to XXXX and them spoke to Supervisor XXXX ( ID number XXXX ). They both echoed each other. Now, I'm stuck with a business charge card with a {$4700.00} credit limit and a personal charge card also with the same credit limit and over {$17000.00} in pending charges with no intention of the credit being increased for 12-14 months.
Consumer complaint received 2022-01-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I have a loan with nissian financial and they reported 30days late when i already traded my car in and I have paper work showing that my loan on the new car didnt go through two thats I was late but it was not my fault because the car dealership was suppose to pay it off
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MA)

I am a victim of Identity Theft. 

I have called Synchrony Bank/ PayPal Credit multiple times after I received a summons to appear at small claims court, on XX/XX/2023, for a debt in the amount of {$2700.00} as well as a court filing fee of {$120.00}. 

I have repeatedly told them I never opened an account with them and that this is all fraud but each time I was ignored and even treated with hostility at times. Most told me that there is nothing they can do and I will just have to pay a debt, I do not owe.
Consumer complaint received 2021-02-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

Navient is reporting that my account has missed nine payments. This is a federal government loan that was a part of Sallie Mae. Navient is not honoring the federal extension for 0 % interest and suspension on payment. I filed for a Income Driven Repayment Plan being that I am in the poor status since acquiring this debt.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (PA)

Not only I but my family members also have been harassed by the collections department of BMW financial services. I have a record phone call from them when they called my son while he was away in college. I have been told that BMW financial services called several other family members as well. I XXXX XXXX was the sole owner of the vehicle. I do n't understand how it is legal for BMW financial services to contact anyone else but XXXX XXXX. The vehicle was repossessed by BMW financial services in XXXX of 2015. Since then BMW has be fully compensated for the sale of the vehicle. Not only am I still receiving calls but this nonsense is being reported on my credit report. I am reaching out to you in hopes to dissolved this matter immediately to avoid further costly actions. BMW financial services continues to conduct business in ways that are unconstitutional. I am being unfairly treated and consistently harassed, I am physically and mentally drained from this situation.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2022 I contacted XXXX 's fraud department to report the address on XXXX XXXX, XXXX TXas incorrect. The woman from XXXX, refused to have it disputed because it is an address that a creditor, XXXX Bank for a XXXX Credit Card ) submitted. She explained that her job is to report what the creditor tells her and that XXXX does not work for the consumer. Whatever information the creditor gives XXXX is what XXXX will report. 


I have never lived in XXXX Texas but XXXX Refuses to remove it I have submitted a dispute for this XXXX  Account Every month for the past 5 months and XXXX will not remove it. I have a letter from XXXX Explaining that this account will not affect me or show up on my report but XXXX continues to report it. 


How can I hold XXXX accountable when their employees are confirming they will only submit what the creditor says?
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (IA)

Back in XXXX, I opened a checking and credit account as a business partnership with another individual. Shortly after opening the accounts I decided to end to the partnership. 
I had gone in and closed the business accounts. Both accounts had XXXX balance. They did end up closing the checking account at that time, but I was still getting emails and mail about the central credit account associated with the account. I ended up going to the bank about four separate times to see why I was still getting mail and to confirm that they closed it. I finally stopped getting mail in regards to the account, so I was under the impression they had finally fixed the problem. Fast forward to XX/XX/XXXX and I get a call that the account was over due with a balance of over {$20000.00}. I then went in and and they said the account was still open and closed it and that the partner associated on the account under his card had racked up a bill and had used it to pay for his wedding. The account was at XXXX balance for over 4 years and suddenly they have these charges on there. They basically just told me to pound sand and there was nothing they could do to get this out of my name. I contacted accountant, lawyer and police and was told that i could have him arrested over it but my best option was to just let it be if he kept on payment. He had up until recently so now it is in collections under my name even though the card that was charged is under his name. US bank failed in their fiduciary duty and has created a great deal of emotional stress for me and my family over this as well as hurt my credit. They also allowed this account to go from {$7000.00} credit line when it was originally opened to over {$17000.00}. They also will not give me exact dates or specifics that I have been asking for. I am at loss for words on how they could let this happen.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (PA)

On XXXX XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, I received a one-time passcode text message from my bank, Citibank, which I did not request, and suspected fraudulent activity. So I called Citibank using phone number on the back of my Citibank card to report suspicious activity and review recent transactions. I received an email notice that my Citi Online password was changed ( XXXX XXXX  ), ATM/pin updated ( XXXX XXXX  ), new payee added ( XXXX XXXX  ), my phone de-enrolled form XXXX XXXX ( XXXX XXXX  ), wire transfer of {$1800.00} sent from savings account to XXXX XXXX at XXXX XXXX  account number XXXX ( XXXX XXXX  ), and wire transfer of {$1700.00} sent from checking account to XXXX XXXX at XXXX XXXX  account number XXXX ( XXXX XXXX  ). As soon as I saw these email notifications, I called Citibank again to report fraud transfers. I was then instructed to file affidavit and filed claims for fraud wire transfers. I completed the affidavit and sent them at Citibank branch. I called back multiple times afterwards to check back in on my claim. The claim was denied with a reason that I gave out the security code. I explained that I did not give out ANY information. I filed for an appeal, called back after XXXX  business days, did not receive any updates. I called back today, and still have not heard any updates.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2021-09-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OZK (MD)

This is regarding early pay off of my Mortgage. I closed on this loan in XX/XX/XXXX. I was told that this loan had a penalty if paid off before the one year anniversary. I attempted to pay off the loan in XXXX, XXXX which is 2 years and 4 months after the loan began, well after the one year anniversary. When I called to get the pay off amount, the agent first confirmed that there we were not in the early pay off penalty period. She then gave me the pay-off figure which included a 1 % penalty. She then said that the contract indicated that the pre-payment penalty was 1 % after the first year anniversary. She emailed me the contract. This was very concerning because our very clear recollection from closing was a 1 year pre-payment penalty period and we had a document from our mortgage broker clearly stating this. After many phone calls and intervention from our broker, we were told that there was a computer error and the issue was later corrected. However, this was not just a computer glitch as a person had viewed our contract and still indicated that we owed a pre-payment penalty. 
While I have successfully resolved this issue with the help of the broker, I am very concerned that others are being taken advantage by this lender 's unscrupulous practices. I am requesting an audit be completed of similar transactions ( pre-payment of loans and mortgages ) at Bank of Ozark. Thank you.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I applied for a Bank of America Business advanced fundamentals checking account ( account ending # XXXX ) in XX/XX/XXXX under a {$200.00} promotional bonus offer being advertised. My account was approved and opened on XX/XX/XXXX. The terms of the promotional offer required depositing {$5000.00} or more in new funds within the first 30 days of account opening, and then maintaining that balance for the next 31-90 days. 

I deposited {$5000.00} to my account on XX/XX/XXXX and maintained at least the {$5000.00} balance through XX/XX/XXXX. Therefore, I have satisfied all of the requirements of the promotion in order to receive the {$200.00} bonus amount. Nonetheless, I still have not been credited the {$200.00} bonus to my checking account. 

I chatted with a Bank of America representative on XX/XX/XXXX to inquire on the status of receiving my {$200.00} bonus. The representative gave me no clear details around why the {$200.00} has not been issued to me yet and did not clarify at all what the status of my bonus payout is or when I could expect to receive it. I reiterated the terms of the promotion I signed up under several times and pointed out that I have fulfilled the promotion requirements. The representative simply told me that the 'reward is in review ' and then copy and pasted the promotion terms back to me which was useless of them to do given that I am aware of the promotion terms and had stated what they were to the representative myself earlier in our chat. 

Bank of America needs to review my business checking account immediately and rightfully credit the {$200.00} bonus amount to my account as I have properly satisfied the terms of the promotion which I signed up for when opening this account and the necessary amount of time ( 90 days from account opening ) has elapsed so the {$200.00} bonus should be credited to me by now.
Consumer complaint received 2022-10-07
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-10-10
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: Block, Inc. (NC)

My name is XXXX XXXX, XXXX and XXXX. This complaint is being submitted on my behalf without any third parties. On Friday XX/XX/XXXX, was the last day I was able to use my cash card. Saturday XX/XX/XXXX, all of my transactions were declined due to unusual activity so I reached out to cash app support via phone and chat Monday XX/XX/XXXX. See attachments. NOBODY care to help nor provide me with any additional information. Ive never had any problems with cash app as Ive been with them since XXXX. Ive expressed this is my only account and I cant access any of my funds. This is causing great emotional & physical distress, as Cash app are continuing to injure me without my consent. I need whatever block cash app has on my account to be removed asap.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I lost much money from myself, my family, and my friends because of XXXX XXXX XXXX. The sum of all of us is roughly XXXX XXXX. That happened about a year ago from now. 

XXXX XXXX XXXX told us a false online site ( later discovered ) that he made money from investments and demanded money from us. 

After we sent the money to his account, XXXX XXXX was dismissed shortly after attempting bankruptcy in XXXX XXXX.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (DC)

I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is Transworld Systems. When I called the line it was some new company called XXXXXXXX XXXX XXXX XXXXXXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX  info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

I went to my XXXX account to check my credit. I noticed that my credit score had dropped significantly. I proceeded to check the reason why and I noticed there was an Affirm account which I never opened. There was XXXX different loans. 
XXXX loan - Date opened XX/XX/year> Full amount {$91.00} XXXX loan - Date opened XX/XX/year> Full amount {$82.00} XXXX loan - Date opened XX/XX/year> Full amount {$100.00} XXXX loan - Date opened XX/XX/year> Full amount {$69.00} I called Affirm and I told them i had no knowledge of these loans. They asked me to provide information such as full name, phone number, and email address. They found no account with the information I provided. I called XXXX and have filled a fraudulent claim. Waiting for update
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (NY)

I opened a credit card with XXXX XXXX in XX/XX/XXXX. I never received my physical credit card. I called many times asking for the credit card and was promised it would be sent, but it never was. I was then told that that a credit card can not be sent until i don't make a payment, so i did, and the credit card was still not sent. They marked my account as past due which also affected my credit score. This is unacceptable and not professional!
Consumer complaint received 2022-10-07
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX