davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (TX)

I was trying to get my card enroll again in XXXX XXXX and my XXXX deleted all of my credit cards in error and I received the code twice in one day and the third tile the customer service had a problem adding it again and they keep putting me on hold for hour and transfer me to different depts and Im very busy guy and I dont have time to be on the phone dealing with this I need to pay my bills and work and get on with my life and then they brought up and said my social security number is wrong and I need to verify it over the phone but I explain to them I received codes from them in past and I was approved for this credit card back in XX/XX/2020 and paid my bills and its reported to the credit bureaus I just want my credit card to added to XXXX XXXX
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I requested NATIONAL CREDIT ADJUST to validate this debt they are telling me I owe, I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I never received anything back from them, they only sent me a letter stating it was verified. 
Now I would like them to do the following : Please provide me with the following : Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit, interest How you calculated what you claim I owe ( XXXX  vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX vs XXXX XXXX XXXX )
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir, During the COVID-19 times, I tried my very best to keep up with my payment.

I always paid my Bank America Bill on time way beyond the minimum balance. In my XX/XX/2020 statement BOA charge me a {$25.00} late fee. I tried to reach out to BOA several times, I was told there is nothing they can not do. During this time, I do not want to defer any payment, I want to continue paying my bills and I respectfully ask the bank of America to wave the late fee due to hardship during COVID-19, Bank of America refuses to wave a XXXX late fee, I can not believe this. 

I need CFPB to help me get this late fee wave. I strongly believe that this late fee should be forgiven due to a hard time because of COVID-19. 

Thank you.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam, I am filing this report to let you know I am a victim of identity, someone is using my identity to open many fraudulent credit cards and Auto loans that I have no knowledge of, my wallet was stolen over 15 years ago at music in downtown XXXX, someone is redirecting my mail from the post office without my permission, I am very upset I'm going through this, I am demanding that these accounts be remove, the accounts is 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 2022-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (PA)

I have had my accounts locked at AXOS bank for using XXXX transactions between my accounts and an external account that is not in my name. The transactions were into my account from a friend to whom I made a personal loan. The AXOS website let me set up the transfers and yet they are not allowed, so be it but now it has been since XX/XX/XXXX but I still do not have any ability to move money from my checking account nor savings account at AXOS to my other bank. It is now XX/XX/XXXX. 

I just talked to a customer service representative who told me that they could not understand why I did not get my money yet and once again sent a note to those that can make those decisions and once again I need to wait for a message through their website to let me know what is happening. This is not fair 1. ) The website should not have allowed me to make transfers that were not permitted 2. ) AXOS should not have locked accounts that were not involved in the XXXX  3. ) AXOS should not be sending me a check for over {$20000.00} via mail with no option to move it to my other bank electronically 4. ) There is no reason that XXXX should have authority to prevent me from accessing money I need for over two weeks. I have needed to pull money out of a retirement account to cover the expenses I needed to use the money for As of now I do not know how I will be able to access or get the money I have in AXOS returned.
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CO)

My wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX. She purchased the Ally Financial Premium warranty as a part of her purchase which was included the financing. Her deductible is only suppose to be {$100.00} for covered work. Ally Financial is constantly balking at the deductible and wants my wife to pay more out of pocket for covered work. Ally Financial has tried to changes the terms of the agreement on several occasions. It seems more like a bait and switch tactic than an actual warranty.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank is currently running a promotional offer XXXX XXXX XXXX XXXX 2020 ) offering {$300.00} for new customers opening TD Beyond Checking and Savings accounts. I tried multiple times to open  accounts through the website, but when entering my address the process was halted stating " To open an account from outside the TD Bank footprint, please call us at XXXX ''. I spoke with a number of representitives to ask if accounts could be opened in California. Each rep told me that I could open the account in California, but each was confused about why the website wouldn't allow it. I began the process with a person in the accounts department, but before finalizing I asked if I would still be eligible for the promotional offer. She was unsure so I was placed on hold, then told that I would not be eligible. I halted the process and read through the disclosure on the webpage. 

The disclosure states that in order to get the promotion you need to open the account online, but the only exclusion states " TD Bank employees and XXXX cross-border banking Customers are not eligible. '' There is no mention of particular states that are or are not eligible. The website has been built to only accept specific states and after inputting your resident information, rather than stating that you are ineligible for the promotion it simply prompts you to call the customer service number, and not one of the service reps mentions the fact that you would be ineligible and feigned ignorance about why the website would not accept my data. 

Due to the fact that they mention that you have to sign up on the website in the disclosure, I'm not sure if they are actually violating any fraud laws, but the fact that they have designed the website to specifically exclude a large group of applicants ( most of the United States ) from qualifying without any verbiage in the disclosure pointing to this fact, seems like a clear bait and switch. If it isn't illegal, it is incredibly dishonest and they should be required to add to their disclosure.
Consumer complaint received 2020-08-26
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. (MI)

I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to Transunion, XXXX  and XXXX  on XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX. 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.
Consumer complaint received 2022-08-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

I applied for a mortgage with Rocket Mortgage in XX/XX/2022. The loan was pre-approved and I purchased a home in XX/XX/2022. The house was supposed to close on XX/XX/2022. I was told by my broker on XX/XX/2022, the loan was cleared to close and that the mortgage closing team had contacted the lawyers to set up the time and place. this was a lie. The lawyers never received a clear to close or any contact. XX/XX/2022, I contacted Rocket Mortgage and they are not ready to close on XXXX XXXX. I was also told on XX/XX/2022 that the underwriters contacted my insurance agent XXXX times to change the effective date of home owners insurance to XX/XX/2022. My agent, XXXX, never received any contact from them. I changed the date myself. Throughout the process my mortgage broker has blatantly lied to me several times and delayed the loan due to errors by Rocket Mortgage. The latest is asking for a XXXX year residency history 3 days before closing. Information which they already had. I have contacted them to investigate all the problems and am awaiting a return call today on XX/XX/2022.
Consumer complaint received 2022-07-07
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: JPMORGAN CHASE & CO. (MD)

In accordance with the fair credit reporting act JPMCB CARD has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose
Consumer complaint received 2024-10-10
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. (VA)

Im in disbelief after seeing inaccurate accounts on my credit report this morning, and I have no clue where they came from. I do regular checks, but this time, errors suddenly popped up without warning. I refreshed my browser, hoping it was just a mistake, but nothing changed. I am extremely concerned and need assurance that my documents will be properly reviewed so I can stop living in fear of this happening again.
Consumer complaint received 2020-11-18
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. (CA)

I have disputed the listed inquiries on several occasions, recently back in XXXX of 2020. I have not opened any such accounts with the listed inquiries. Please review and dispute on my behalf, thanks.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I opened an Account with HSBC Bank on XX/XX/2021 with {$10.00}. a Few days later I was advised by them that they were closing my account. They have not provided a reason why and they still to this date will not release my funds to me. I have made multiple attempts to contact them. They say go to a branch but I am over a 900 miles from the closest branch.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/2020 I made a purchase on the internet for a game console. The shipping was never confirmed through email so I reached out to the seller. With no reply from the seller I called USAA ( our personal bank ) to resolve the issue. The representatives encouraged me to file a dispute that would stop any further transactions and refund my money back. The representative for USAA said they would do a investigation and I would be contacted for evidence. Days later I get a phone call from the claims department of USAA requesting evidence. During this time frame I had received said package and it did not fit the description of what I ordered. I took pictures of the contents of the package for further evidence. USAA told me to send the package back to the seller and show proof. Once I mailed the package back and submitted all the evidence I was contacted again by USAAs dispute department after calling leaving a message for them to contact me. This phone call I was told I would need a second opinion letter in order to even submit my claim. The second opinion letter was to determine if what I received on the package matched the description. The evidence I had already submitted prior clearly showed this was NOT what I had ordered. I reached out to two different businesses for the second opinion letter both of which told me it was ridiculous that a bank would make this kind of requirement with submitted evidence I had already given. Neither business wanted to involve themselves with the bank due to not wanting to have legal issues. I contacted USAAs claims department back again to explain the requirement for the letter was not necessary due to already submitting the previous evidence pertaining to the case and no business would write the letter and get involved in a potential lawsuit. USAAs dispute team representative then told me the letter was not even going to be looked at it was just required. If the letter they are requiring is not even going to be read in the investigation then why is it being required to finish the investigation?! I have called USAA, reached out to them on XXXX and social media to expressed my frustration to them with no avail. The steps to protect your financial assets are just not there. This is a financial institution who thousands of our current soldiers and veterans look to for financial protection. Very disappointed to know USAA does not have Americas heroes best interest at heart.
Consumer complaint received 2021-08-18
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : Bridgecrest XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on Bridgecrest Formerly XXXX  The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Have attempted to contact the creditor multiple time by mail and phone. Have never received a written response from the creditor. Was able to speak to a representative and was told they had no information on my account.
Consumer complaint received 2021-08-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OR)

I currently have a XXXX XXXX loan serviced by XXXX lending / aka mid america mortgage. We completed a refinance of our loan through this lender/provider in XXXX of XXXX. We received an amortization schedule for the loan that revealed the removal of the annual premium ( essentially the PMI ) on a date of XX/XX/XXXX. The reason the premium fell off at that time is because the rules for the calculation of the LTV on a Section XXXX loan are simple. As stated in the federal register : " This annual premium will continue until the unpaid principal balance, excluding the upfront loan guarantee fee, reaches 78 % of the lower of the initial sales price or appraisal value based on the initial amortization schedule. '' This was a refinance so there was no initial sales price associated with the loan so the basis of the LTV was against the appraisal " excluding the upfront loan guarantee fee '' that was paid when we closed on the loan. 

XXXX/mid america continues to state that our LTV is calculated based on the remaining principal balance divided by the appraisal value provided during the refinance. 

However the calculation should be the remaining principal balance, excluding the upfront loan guarantee divided by the appraisal value provided during the refinance. 

We even have an amortization schedule that was included in the closing documents that validates this threshold value XXXX the one that excludes the upfront loan guarantee fee that we paid XXXX. Despite presenting this evidence to their escrow department we received the following email from them : " Hi, We have received confirmation regarding the information in removing the PMI. The correct amortization schedule is from section XXXX. I have attached the amortization schedule showing the XXXX ( 77.9 % ) is on XX/XX/XXXX. 
Thanks Escrow '' Not surprisingly, nothing was attached to their email response. 

The math is simple ( per my attached documentation ). The original principal balance - {$360000.00} MINUS the loan guarantee paid upfront ( {$5400.00} ) / the original value of the appraisal of {$450000.00} is how the threshold value for the premium drop-off should be calculated.

This is my 2nd complaint with this organization ; I am unable to contact their escrow department in any other way other than email ( which is ridiculous ) and their inability to explain their bizarre servicing of my loan is extremely suspect at best. I suppose we don't have a lot of options when it comes to groups that provide Section XXXX loans but the ability to have a conversation around details like this are pretty basic things in my opinion and limiting the ability to communicate to only email is unprofessional and disturbing.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

The following describes phone payments I made. I paid {$100.00} XX/XX/XXXX toward XXXX bill. I paid {$100.00} XX/XX/XXXX toward XXXX bill and then paid {$100.00} XX/XX/XXXX toward XXXX bill. Paid {$100.00} XX/XX/XXXX toward XXXX bill. When I got my XXXX bill in the mail it had late payment fee of {$17.00} because apparently I paid XXXX payment too early which was apparently applied to XXXX ( as a 2nd pmt ) and then paid XXXX payment ( pd XX/XX/XXXX ) which was applied to XXXX but considered late. I called the company to ask why and they said I had not made a payment during the billing cycle. I told them their system didn't ask anything about how to apply the payment or to which cycle so I wasn't given an option. They chose to apply it that way and then charged me a fee. They should have asked which billing cycle to apply the payment. Had I known how they were going to apply the payment, I would have made a different choice on when to pay.