davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (MI)

I use the XXXX  Reward Me Visa credit card at XXXX  stations and at other non-fuel retail locations. The rewards program, and note the ad for the program on the two receipts copied with this complaint, states 15 cents off per gallon on XXXX  gas and percentage discounts at all other retail locations. 5 % non-fuel purchases, 3 % back on grocery, 3 % on dining, 1 % on everything else. I noticed that my receipts do not reflect the discount/credit so I called Customer Service XXXX On a recorded line their representative lied and told me the points/credits are made automatically when they are not received at the pump. In addition, my card now sometimes asks for an ID number which I do not have to enter. My statements show the credit or points are not being granted. I believe this is a theft from a credit card with approximately a 30 percent interest rate and the executives responsible should be prosecuted for false claims. It discounts are being received I assume they are being absorbed by the gas station because as the two I copied to you show none. A customer should not have to take time at the point of sale to confirm the rewards. WORSE STILL the pump at the XXXX  station in XXXX Michigan locked down on my credit card after demanding a rewards account code. I had to leave my card in the reach of other customers and go in to get a manager. The card was lose and open to theft upon our return. I had to guess how many gallons my car would take several times because the pump would not take the XXXX XXXX so station staff sometimes ran the card with a guess from me. The card charges I believe XXXX percent in trade for a benefit. My credit union charges XXXX percent interest without a reward. The XXXX  card is a defacto bait and switch given they do not honor its terms.
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. XXXX XXXX  was notified on 17 occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft. 

XXXX XXXX  was notified on 17 occasions and all relevant identity theft documents were sent to them at the following address via certified mail : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  responded on all 3 accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances. 

Upon checking my XXXX  credit report during preparation for my FCRA lawsuit, I noticed an MRS Associates made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same 3 identity theft accounts that XXXX was aware of, have been turned over to a collection agency ( MRS Associates ). 

This is illegal. I have attached the letters from XXXX XXXX  proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from MRS Associates web portal showing they are trying to actively collect on them without regard to my identity theft.
Consumer complaint received 2023-10-31
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I received an email notification that the PIN had changed on the card for my unemployment insurance ( that I had not received ). The card had been placed in the mail, but I had not received the card. I immediately checked my account at Bank of America and saw that funds had been withdrawn. I called to file a claim for fraud, put a stop to the card and had another card issued. I was told it could take up to 90 days to review the matter. The following day, I received an email from ID Notify regarding a breach of my information. ID XXXX provided me with the individual that had accessed my information on XX/XX/2023. This individual is a Bank of America employee. I forwarded this information to Bank of America via email. I later found out that they do not accept emails. I called Bank of America on XX/XX/2023 regarding the investigation. At that time, I was informed that the claim had been denied. I requested any and all information and the file to be mailed to me. I have not received any mail on this investigation. The representative stated the denial had been mailed. I confirmed my mailing address. I have yet to received the denial or the file from Bank of America. I faxed the ID Notify and other documents to show that I was not involved in this fraudulent transaction and that the individual involved is a Bank of America employee. Despite the evidence, this claim was denied. I have experienced fraud by the very bank that provides a service through the government. This data breach is disconcerting, as it goes to show that not only was the data breach not taken seriously, but that other consumers are at risk of the same. This concerns Bank of America 's data governance and lack of concern for breach and transmission of data. This is a serious matter, as it goes directly to Bank of America 's risk of breach by potential hackers. Lastly, I reported this to the FDIC and they have responded that they have forwarded my complaint to CFPB. 

Attached is the correspondence regarding the PIN change, the confirmation that Bank of America had received my claim, and the ID XXXX induration regarding the data breach. Upon receiving the information about the data breach, I followed up with a search for the named individual and found that she is a Bank of America employee. My data was breached on XX/XX/2023, a day prior to the withdraw. The Bank of America employee XXXX is shown here : https : XXXX
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

First- wait times are over XXXX hrs. no matter when you call. 

called at XXXX XXXX XXXX XXXX XXXX, was told ( automated ) that they were not available at this time. When they are open until XXXX XXXX XXXX according to their website, and recorded message. 

i am trying to get the expended loan repayment. i was told on XXXX separate occasions that they would place me in that program. i am now in the XXXX repayment, and the amount is too much for me. 

the company in NELNET. i did make my first payment this month, without getting it corrected, because I don't want to be in default.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

YOUR COMPLAINT Since XXXX, I have been building back my life when Bank of America included many fees that ultimately affect my savings and checking and deleted my account before hand to hide the evidence I had over {$200000.00} put into Bank of America which I regret because of the decease of funds I lost my home, children and well-being. I opened an account with Bank of America in XXXX and in XXXX over the course of being with Bank of America my funds dropped due to fees. I tried to dispute the issue with Bank of America but they did nothing to find a resolution with the matter. XXXX years later, I tried again to talk to a represent and I was informed by Bank of America would handle it by getting this issue fixed with the CFPB which they did not do. I called CFPB on XX/XX/XXXX and was informed by the cfp. nothing was done by Bank of America. I even just found out I was supposed to have a gold XXXX XXXX card through legal zoom and a money card that I never received nor knew about because of this constant distraction that has ruined my life and sent me through a dark XXXX ......
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

This should be posted as a criminal complaint Mailed ally a check on XX/XX/2022 in the amount of {$690.00}, and they swept it under the rug. On XX/XX/2022 our bank statements/ records show a withdrawal from ally ally payment in the amount of {$690.00} withdrawn from my account. I called ally numerous times, sent a few written letters requesting them to correct their defect and fix the mess they created, they knowingly and falsely reported me to the credit bureaus, with late charges to date, they deny that they withdraw that payment please note with the XXXX they have thousands of complaints of the same nature and lawsuits for criminal practices, THANK You FOR YOUR HELP Please note I had to take drastic action to protect myself and my family from ally again thank you.
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

Recently as I viewed my personal file through monitoring system I noticed fruadulant account being reported in the amount of {$2100.00} from CLARK COUNTY COLLECTIONS that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service (WA)

On XXXX  the XXXX of XXXX my vehicle was broken into and personal records, documents, cards were stolen. A police report has been filed and insurance has been contacted. I got a email today XXXX XXXX that a credit card was opened in my name. 

Someone has been using the documents to gain my identity and used them to open credit card accounts in my name without my knowledge.
Consumer complaint received 2023-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc. (WI)

This complaint concerns a home equity application to Nationstar/MrCooper during XXXX of 2023. 
We were taken through the process and submitted more and more documents along the way. 
During the process, due to changes in our terms and amounts,, or if I had a question, when I could not reach our primary advising representative, I attempted to contact that person 's manager ( as directed ), then that person 's manager, then that person 's manager, and so on. I was not able to reach any of these individuals, nor did they return any of my messages. When calling the last manager on the chain, the phone # was not even an active phone #, and was then directed to contact the standard customer service #. Very frustrating. 
After going through this process for roughly 6 weeks, we were abruptly told that since we were considered to have a " rural '' property, our loan amount was limited to {$15000.00} less than was previously agreed upon, while being required to pay an additional {$15000.00} just to get the loan. 
This obviously was not acceptable, and we believe this was done as a way of saying " we don't want to loan you the money. '' They were aware of our " rural '' address from the very beginning of the process, and this was never mentioned as being a concern.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AC AutoPay LLC, Denver, CO Branch (NJ)

The customer service employee, dont have any information and try to end the call quick. They have no information on what I can do instead, they have wait for a call from a supervisor to fix the problem its been 2 weeks no response. I explained multiple times that I didnt allow for them to pull from my credit report.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

I was declined for a recent credit loan due to fraudulent activity under my name and social security number. I pulled my credit and it shows too much debt to income. One of the reasons was that a credit card was taken in my name for XXXX. During this time period, I was sailing around the world in the XXXX XXXX and never applied for this credit card nor did I ever have it in my possession. I am XXXX due to illness at present and am attempting to get off XXXX to function as a productive member of society. I applied for a boat loan and was denied due to debt to income ratio. I am being discriminated against and denied my fundamental right to credit.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I applied and received a credit card from Bank of America earlier this year. 
I was using it to purchase items from XXXX and XXXX different times they blocked my card saying they suspected fraud. The first verification was late at night here in Hawaii where I live. The guy asked me questions about my credit history and it was very confusing, so I guess I didn't answer them correctly. The next day I talked to someone else who was able to verify my purchases. Then when I went to use my card again I was blocked again. I had even set up alerts in case there was fraud. They blocked me again and this time they said I had to physically verify my identity in a Bank of America branch. I live in Hawaii and there is no Bank of Ameria branch. Then next thing I know my account is closed. 
I just talked to someone today and I can't even make payments online. I have to send a check in. 
I am very humiliated as I am a XXXX  and I am XXXX  and work full time making $ XXXX a year. I have no reason to commit fraud, and I just want my credit card to be reopened so I can use and make payments. 
I am hoping you can help fix this situation.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

As a customer of Wise Account, I contacted that entity in an effort to execute damage control after my Wise debit card had been stolen in XXXX, XXXX on XXXX XXXX, XXXX 

When I contacted Wise to 1 ) block my card, and 2 ) send a replacement card, I was initially told that Wise was forbidden by law to send a replacement card to the hotel at which I was staying in XXXX. Upon further questioning from me, they indicated that there would be no point in doing so since the card needed to be activated in the United States. At that point, I suggested that an authorized user in my family activate the card for me per Wise 's requirements and then send the card to me via overnight delivery ; Wise refused, then canceled my request for a replacement card. 

-- I contacted Wise again to complain ; they credited me the {$5.00} replacement card fee, but still did not issue an order to ship me a replacement card -- It took a fourth complaint to get them to agree to send an actual card -- The replacement card didn't arrive for three weeks -- long after I had arrived back home in California In addition to unacceptable delays and inattention to my requests, Wise did not respond to communiqus. To date, the following requests made by me have been ignored by Wise : -- A refund of the wire transfer fees that I paid when I transferred funds from my regular United States bank account to my Wise account -- Fee waiver of any and all fees associated with future account activity Because my requests were ignored, I tried to activate the replacement debit card from my home in California so that I could transfer all funds out of my Wise account ; however, that action precipitated a double charge to access my own money. 

My attempt to activate the Wise card failed ; I told customer support the same. My requests were delayed further by Wise 's announcement that they needed " proof '' of the card activation failure. I had already provided the requested information. 

Today 's ( XXXX XXXX XXXX ) current status regarding this situation -- which commenced on XXXX XXXX XXXX  -- is as follows : All three of my requests for credits against wire transfer fee charges have been neglected : no response and no refunding of charges. 

No action has been taken to remedy the lack of service with respect to my case. 

I have not been apprised in any way of the status of my resolution request.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (TN)

I made a checking account using the XXXX opening bonus code. The rules of the code are as follows '' 1. For a limited time, no later than XX/XX/2023 ( we may shorten this timeframe without notice ), open a new Ally Bank Spending Account by using promo code XXXX. Remember! You must fund your account ( with any amount ) within 30 days of opening it, otherwise the account will automatically close. 2. Set up a Qualifying Direct Deposit ( QDD ) and receive QDD payment ( s ) totaling a minimum of {$1500.00} within 90 days after opening your new Ally Bank Spending Account. 3. Keep your Ally Bank Spending Account open and in good standing until we deposit your {$200.00} bonus, which will be within 30 days after you reach the {$1500.00} QDD minimum within the 90-day period outlined in Step 2. ". I reached my XXXX Direct deposit quota on XX/XX/XXXX. After about two weeks, I inquired about when my bonus would hit, and was told it could take up to 30 days after reaching the XXXX quota. I inquired today ( XXXX XXXX ), and was told I actually need to have the account hit XXXX, not just have XXXX in deposits. When I looked over the terms, this was not stated at all. I was also told that there was no department to escalate this issue to.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX APPLICATION # XXXX Dear Wells Fargo Bank I am writing to formally request to opt out of certain provisions outlined in 15 USC 6803 , which pertains to the sharing of nonpublic personal information about consumers by financial institutions. After careful consideration, I have decided to exercise my rights under this regulation to protect my personal information and privacy. 



As per the requirements of 15 USC 6803, please consider this letter as my formal request to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. I understand that by opting out, I may limit the marketing communications I receive from your institution, but I am willing to make this choice to safeguard my privacy. 



Please acknowledge receipt of this request in writing and confirm that you have processed my request to opt out as soon as possible. If you require any additional information or forms to complete this process, kindly let me know. 



Thank you for your prompt attention to this matter, and I trust that my privacy preferences will be respected in accordance with the law. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-10-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZuntaFi Corp (WA)

Zuntafi contacted me about an alleged student loan debt. They reached out through an old address. I responded within 30 days of receiving the letter and sent Zuntafi a certified letter requesting validation and disputing the alleged debt. Zuntafi did not respond within the five days allowed. Zuntafi did not provide me with competent evidence or explain why they could not provide the requested information. Zuntafi has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g- Failure to validate this alleged debt. Zuntafi has violated other rights as well. As indicated in my attached letter, a follow-up letter was sent demanding that Zuntafi stop contacting me. Zuntafi agent XXXX called using the phone number XXXX ( XX/XX/2023 ) and left a voicemail. She has since sent me an email as well. I have received a new statement despite my insisting that without proper validation and providing competent evidence, Zuntafi stop contacting me.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

Bridgecrest has previously agreed to update status, from Charge Off per Credit Report upon completion of payments in full to close/paid status. however after my full payment Bridgecrest refused to update my account. I would also like to include, that the vehicle was repossessed immediately after I made a payment. Initially I recovered the vehicle from Bridgecrest for XXXX On XX/XX/XXXX  Bridgecrest provides altering terms on XX/XX/XXXX  after payments were accepted by Bridgecrest, terms that were not advised of a immediate-repossession pre-statement. However my records shows XX/XX/XXXX  of XXXX payment to Bridgecrest as required. Immediately after payments made, Bridgecrest threatened to repossess vehicle for an additional XXXX that was discussed pre-payment for XXXX on XX/XX/
Consumer complaint received 2023-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : BK OF AMER XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.