davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (MD)

Im not able to open an account due to a check I had no idea about. I was young and not thinking about why I would receive a check in the mail. I placed the check in my account and I waited three days like the teller told me before I could remove any funds. After three days I went to the bank to find out that the account was onhold/closed due to a fake check. Ive been trying to resolve this problem for the longest time. I had to cancel my direct deposit and wait for the money that was in the account already to be released to me by check in mail. I currently have a prepaid card that Ive been using since then. Im working on building my credit and hopefully will be buying a house. I cant do any of this if this matter is not resolved. I ask that it be removed off my credit and that I have a second chance. I call XXXX and had the report mailed to me so that I could find out why I cant get an account in my name. I filed bankruptcy in XXXX 2012 it was discharged in XXXX 2012. I believe this was included as well
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OH)

I signed up for the American Express Platinum card under a XXXX XXXX point offer that required {$3000.00} of spend in the first three months. After meeting the requirements for {$3000.00} in spend, I received the XXXX XXXX points on XXXX XXXX, 2016. I was initially frozen from using these points for one month, per AMEX policy. Once the month was done, I was able to transfer XXXX points to an AMEX partner, XXXX, through the AMEX XXXX website. However, upon logging into my account a week ago, American Express had taken back the XXXX points they had given per the terms of the credit card agreement. I have tried to reach out to American Express via both online chat and by telephone. Online chat directed me to call American Express directly, whom then told me that they would call with a resolution in 2-3 business days on XXXX. As the time has passed and I have not received a resolution to the missing XXXX points, I am writing the CFPB with the goal of being proactive in getting these points readded to my account. 

In the telephone call with the representative, he made a point to note how I received the {$200.00} airline reimbursement on my card ( a perk of the Platinum card- {$200.00} annual airline reimbursement ). I told him that I applied online through the AMEX website and selected XXXX as my partner. I have seen reports online that the reimbursement on these cards has triggered a pullback of the XXXX XXXX points ; this may have something to do with the error in the system. Regardless, I met the appropriate requirements for the card 's offer in question and now the XXXX points are missing from my account. 

To summarize, I met the requirements of the card 's offer I signed up for ( {$3000.00} spend in the first three months=XXXX XXXX points ). I was given the reward In XXXX and had the reward taken out of my account in XXXX, leaving me with a negative balance of XXXX points ( XXXX XXXX points ). There was no explanation for why the points were taken away from AMEX, even after repeated attempts to contact the company.
Consumer complaint received 2016-08-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XXXX, I have been trying to modify this loan on my home which I built, have lived and worked in, since XXXX. I did, in another complaint against BofA, describe the trouble I experienced year after year with my modification applications for this negative arm Countrywide loan which has ballooned out of proportion in the process. 
I do not know when the Bank of XXXX acquired my loan as a " security ''. But I do know that their attitude towards my loan did not take into account any of the numerous mistakes made by BofA during the process, mistakes that caused me much grief and produced endless delays in the processing of my application, also causing this toxic Countrywide loan to balloon out of proportion very early on in the process.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after  XXXX    XXXX   XXXX   XXXX   and using other numbers. The company name is  Portfolio Recovery.
Consumer complaint received 2018-11-30
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: Experian Information Solutions Inc. (MO)

I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-24
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: EQUIFAX, INC. (NE)

See Highlighted Complaint #  1  : Equifax,  XXXX  of the  XXXX  national credit bureaus is reporting a " Public Record '' of a  Federal Lien on  my credit report. The other  XXXX  agencies,   XXXX   &  XXXX  are not reporting this lien and have never reported this lien. I have tried numerous times to dispute this item and continue to be unsuccessful.    1.  It tells me to contact the  XXXX  County Courthouse-I have called the phone number listed on the report,  XXXX , it is NOT a working number.    2.  It tells me the address is  XXXX   XXXX   XXXX   XXXX  in which the address is actually  XXXX   XXXX   XXXX   XXXX ,  XXXX  Floor.     3.   It tells me the Case or ID # -  XXXX  ... I visited  XXXX   County Court,  in person, they have no record of this case number. They told me their cases all begin with either a SC or CI.   4. In this very same report copy,   XXXX   listed an additional Social Security number for me. I have one Social Security Number, the one I used to obtain this report. They did remove the other Social Security number. Perhaps this lien went with that number?   5. I have no other proof to provide either way on this lien because it is NOT mine. I do NOT owe the Federal Government anything.
Consumer complaint received 2017-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NY)

Barclay Bank  Delaware filed a lawsuit against me in the  Civil Court of Ne w Jersey ( without any notice to me ) that I owe them a debt in the amount of {$2600.00}. Furthermore, after reviewing additional documents from the court it shows  Barclay Bank Delaware requested {$2900.00} to be levy ; which does not make any sense.   I was unware of this debt and have had no knowledge of this debt until my bank account was levy on   XXXX   XXXX   XXXX     ; I have contacted the law firm  Barclay ban k hired to  VALIDATIE t he debt pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA however they refused to valid  ate because they received judgment from court because I was not present to dispute the debt.      Furthermore, after reviewing all the court records and no records from plain tiff (  Barclay  ) attorney it shows that no one has any proof that I was ever properly   served to appear in court to dispute the debt. On   XXXX   XXXX   XXXX    , I filed a motion with the  Civil Court Ne w Jersey to vacate the judgement. The motion was granted and all party was notified to appear in court on    XXXX   XXXX   XXXX      ; however, no party from  Barclay  attended the hearing to validate their claim, therefore judge released most of the fund from levy to the defenda nt ( I/Me ) and  advised I settle the claim with   Barclay and or file new motion/complaint to verify the debt.
Thus, It is imperative that Barclay Bank Delaware contact me thus we can resolve this matter. I will not hesitate bringing in separate civil complaint legal action against Barclay   Bank Delaware for Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2017-04-24
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: EQUIFAX, INC. (TN)

I attempted to make a Payment to   XXXX   XXXX   a old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from 3rd party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two thin gs : : : They do n't have me as   a credit collections client and therefore it should be remove according to FCRA law [ 623 ( a ) ( b ) ]. Or ....
Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law [ 623 ( a ) ( b ) ] should also be removed.
Consumer complaint received 2016-08-29
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Services, Inc. (CA)

The collection agency named ACT Account Control Technology intercepted my entire tax return without proper notice of their attempt to collect any debt. They were collecting for a student loan and sent the letter of intercept to my old address intentionally to make it look as if I was ignoring their request. The party they were collecting for had my new address since XXXX XXXX, I was receiving mail from the original party regularly. However ACT maliciously sent the intercept notice to my prior address on XXXX XXXX, XXXX which I still have never received or seen. I moved from my previous address XXXX XXXX, XXXX. If this company was collecting for a Federal Student Loan and sent a notice to intercept on XXXX XXXX, XXXX to a place I no longer resided and have n't resided for over 3 months at time of alleged mailing. Why and how did the original party have my current new address and the collection agency did not? Do they not communicate with each other? The company ACT Account Control Technology is a very crooked company and will fabricate and or deceive by any means necessary to take peoples money without proper notification and or mailing. I also told them via telephone that I disagreed with their approach and or action to collect and requested appeal information and or documents. I was told the company ACT Account Control Technology would email me the needed documents that same day and I never received anything via email on any day pertaining to my request. This company stole almost {$2500.00} from me and my daughter, yes I am a single parent and yes {$1500.00} of the money they stole was supposed to go toward my daughters dental work that we had to cancel because these crooks deceived the Internal Revenue Service making them believe I was ignoring their attempts to collect when in reality I have never even seen one of their letters or notices to collect ... even to this day I still have never seen this notice that was supposedly mailed to the wrong address.
Consumer complaint received 2018-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ 93k approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then XXXX changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XX/XX/XXXX.. and I did. ALSO why is XXXX reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to XXXX and months later they are reporting payments for XX/XX/XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )
Consumer complaint received 2016-08-26
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

After successfully using rebates from merchants for years, I recently had the unfortunate experience of receiving several American Express prepaid reward cards as rebates. 

The company is at least misleading in understating that XXXX monthly service fees will be charged after 5 months from issue. There is no legitimate reason for a monthly fee. All notification of such fees is in minuscule print at page bottom or on the back of the card. It also says funds do not expire immediately after the monthly fee description. Why is that there other than to confuse or mislead consumers? 

I had cards of {$10.00}, {$15.00}, and {$50.00}. After trying to check balances, I learned the first XXXX cards were at {$0.00} and the latter was at {$44.00}. So I ultimately used ( received ) {$44.00} of {$75.00} in rebates because I was misled by the obvious expiration date on the cards ( 5 years from issuance ) and the " hidden '' fees descriptor. 

After checking all the sources I could, it seems these rebates are considered " free '' money and so there is no recourse that I can detect. 

I feel like AmEx mislead me from fully utilizing my rebates. Maybe it is free money for these unscrupulous banks, but not me. 

I do not believe banks should be allowed to deduct service fees on rebate cards. There is no justification for a passive fee. They are not managing the money. 

If they are deducting monthly service fees as if I had an account with them, then I should be notified as the fees are deducted just as if I were a bank customer. That is how they are treating these prepaid reward cards. 

People should be made aware that there are fees associated with rebate reward cards and these unscrupulous banks should be made accountable.
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC (FL)

The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Items are identified as # XXXX and # XXXX which were reported on XX/XX/2016 and said to have been opened on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al. 

If the Items mentioned above are actual Accounts, opened by your agency, then they were open without my Direct Prior Consent and with my private nonpublic information and were extended my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. 

I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. 

You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. 

Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, etc. the following sections are more than reasonable enough to point out your violations and liabilities : 1. You violated 1692c of the FDCPA. 
2. You violated 1692e of the FDCPA. 
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 
4. You violated 1692j of the FDCPA, etc.
Consumer complaint received 2016-08-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I 'm seeking your assistance on my mortgage with Bank of America. I 'm simply asking for help. My wife and I have been faced with both health and financial hardships over the last few years. We are finally in a state where we can sustain the monthly mortgage payment but Bank of America is running me in circles. I ask you to please-please truly review my situation as there has to be a human with a heart sitting somewhere willing to help me, willing to make an exception or simply sit back and realize this is the right thing to do. I am attaching a letter which thoroughly explains what has occurred.
Consumer complaint received 2016-08-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Amsher Collection Services, Inc. (AL)

Every debt collection agency that has reported me as owing a medical debt on my credit report has been disputed with the reporting agency. I do not believe I owe any of the medical debt in my credit file and there have been no attempts to verify ANY information about these debts with me in any form of communication. I have always paid my co-payments at the time of any medical treatment and bills sent to me by medical professionals were paid personally or by my health insurance company. I believe that every agency reporting medical debt on my credit file does not take my disputes seriously and reports negative remarks " debt valid, consumer disagrees '' instead of proving I actually owe the debt. To even attempt to access my medical records is a violation of my rights under HIPPA laws because the debt collector is a 3rd party to the original creditor, not privy to my medical records because they are not doctors and do not have my permission to view my medical files which may reveal my medical diagnosis, treatment and prognosis and without that verification they ca n't determine if I even owe this debt. They can either refer this alleged debt back to the original creditor so a licensed medical professional who is allowed to view my medical file and can fully explain the origination of this debt and medical information such as diagnosis and treatment that will help me identify the debt is mine or they need to remove the debt from my credit file and cease to ever attempt to hold it against me. They are in violation of my rights under HIPPA laws and are reporting debt they can not verify. They make no attempts to contact me after several disputes have been filed on my behalf. Every single medical collector in my credit file has done this and almost all of them are beyond the statute of limitations but keep updating as if a payment was made to them! Ive never paid the debt collection agency bc they can not verify the debt. Please make them remove the debt from my credit file and give it back to the original creditor so my rights under HIPPA laws are not violated.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX has violated my rights. 15 U.S.C. 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX  and before XXXX XXXX XXXX, local time at the consumers location ;