davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for a public XXXX XXXX XXXX credit card offer for XXXX XXXX XXXX Membership Rewards after spending {$3000.00}. I spent {$3000.00} on the card and was awarded the XXXX points on XX/XX/XXXX/2017. 

I tried to book a flight in early XXXX, but received an error that I could not, with the following message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I received no notice that my points were unavailable until I tried to use the points, which was misleading. Again, the XXXX points were visibly available in my account since XX/XX/XXXX/2017. 

I did nothing illegal or against the terms and conditions of the agreement. The customer service representatives and supervisors say there is nothing they can do. Some representatives said the review takes 6-8 weeks ; however, it has been over 8 weeks.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation (CA)

I applied for a loan thru Avant just a few weeks ago. I submitted all the details they requested and even called to verify if my application was complete. I was told yes, they had all necessary information, Employer, Income, mailing address. Today I received an e-mail stating they denied my loan because they could not verify my income. How is that possible? My income is obviously needed for a loan. I called and spoke to XXXX who said he would submit my complaint to the complaint department because he can not see the reasons why I was denied and I would hear back in 14 days. I received another e-mail stating that my loan is denied and they have sent me a list of reasons. I have never received any correspondence other than an initial e-mail earlier today. My income is the first thing that was submitted. They never reached out to me in any way to ask about my income. This was just a waste of time, a false company that only runs your credit to make other creditors they work with call me or e-mail me. TOTAL SCAM! Now I have an inquiry in my credit because this company is not legit and their approach is very unprofessional. I do n't want to ever do business and I want that inquiry removed because your claim that my income was unverifiable is a major lie!
Consumer complaint received 2017-03-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION (CA)

CACH LLC is still reporting negativity on my credit reports. I 've disputed it with all bureaus but the bureaus verified it as a valid account. The account was paid as a paid for delete ... the company agreed to remove the account from my file when we paid it ... I need them to adhere to the agreement as it is damaging my credit. Plus insurance was supposed to pay for the claim so I 'm being dinged multiple times ... please remove it from my file ...
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your help!
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Atlanticus Services Corporation (MI)

Good afternoon, hoping you can get this removed from my credit report, it is saying I have all of these credit cards, and I do n't ... there are serveral removed ... first one names Imagine acc # XXXX paid as agreed, but is now under XXXX, so I want the Imagine off my report, because it no longer exist. also the same company is on my credit report twice with two different account number please remove one of them please remove both account # XXXX, also there is another two I need to please come off my credit report, name of the company is XXXX account number # XXXX. Please I hope you can remove all of these accounts main reason is because it is showing as if I have a lot of card. Please thank you XXXX
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc. (ME)

I received an invitation to apply for the Gander Mountain Mastercard provided by Comenity bank. Upon submitting the require information I received an email stating " Congratulations! 
Dear XXXX, You 're approved! Now you 're ready to enjoy all the benefits and advantages that come with your new Gander Mountain Mastercard ( R ). '' I then received the following day an email stating Welcome to Gander Mountain credit card program which is the store card without the co-branding of Mastercard and not what I was approved for. On XX/XX/XXXX after receiving the second email I called the number for the Gander Mountain Master XXXX and spoke with a representative at XXXX for XXXX minutes XXXX seconds, who spoke with his supervisor stating they would be sending the Mastercard XXXX I specifically asked if I should receive the store card that I should cut it up as the Mastercard was being issued. The representative confirmed this. On XX/XX/XXXX I called The same number as I had received the store card and was inquiring about when might receive the Mastercard. I called at XXXX and spent 99 minutes on the phone being passed around to different people and each person I stated I can email or fax you a copy of the approval email sent by your company, no one gave me any such contact information. At the 55 minute mark I was transferred to a senior account specialist whom I discuss the entirety of prior conversations and my request that they honor the Mastercard approval and send me the card I was approved for. Again it was stated I was n't approved for the Matercard and again I was not given any contact information to either fax or email my approval letter. Today I found a number for customer relation fro Comenity bank XXXX and called at XXXX for 15 minutes and was yet again told they would not provide the card I was approved for but did give me a fax number XXXX XXXX I sent a letter of explanation and desired outcome of which I will include in this complaint. My desired outcome is that Comenity Bank provides the product, specifically the Gander Mountain Mastercard, as it was communicated to me by their company in the approval email containing specific detail of credit limit and APR.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Pawn loan
Issue: Payment to acct not credited — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I have a line of credit with HSBC on XX/XX/2007 they sold my loan to XXXX on California the terms of my loan was for 72 months. For XXXX this guy sent me a letter for the same amount for the last ten years paying him he charge Me loan areage interest I do not have any XXXX form from him the last ten years he say he forclosure my house if don pay him and he charge me for his lawyers fees. No statements from him just treating lettets
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

I have been in limbo with moving ahead with a disposition of a mortgaged property. It has been over two years. I have written to Shellpoint Mortgage asking them to either move toward Foreclosure, a Deed in Lieu and I have someone who wants to do a Short Sale. They have refused to move on either one. I am willing to assist them in whichever direction they choose. They only continue to add on fees and services without moving ahead. My hands are tied and I do not know what to do in order to get them to move ahead to some type of closure. I have my registered letters and all of my emails sent begging for a resolution. Please help me. I do not know where to turn to get this resolved.
Consumer complaint received 2017-03-17
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MS)

I received a {$500.00} American Express prepaid gift card from a family friend for XXXX. She bought it straight from AmericanExpress.com and had it FedEx expressed to my house. I am a college student and {$500.00} is a lot of money to me. I got the card on XX/XX/XXXX and did not spend any until XX/XX/XXXX. At that time I spent {$54.00} at a company called XXXX. I ordered it from their secure online site and received my purchase. I tried to swipe it at XXXX XXXX in my hometown and it was denied on XXXX XXXX XXXX. At that time I went online to check the balance and the balance was {$0.00} and looking at the charges I know I made none of these. It was quite obvious since I do n't live in New York and do n't have a T-Mobile account or shop at XXXX, or even know what XXXX are. These thieves are so certain that nothing will be done about it that they even paid their POST PAID cell phone bill, XXXX, and even shipped things to their home address. I got {$440.00} stolen from me and when I contacted AMEX they told me that sorry it 's treated like cash and there is nothing they can do about it. So what this is telling me is AMEX got their {$500.00} and take no responsibility that my {$440.00} was stolen because they already got their {$500.00}. I do n't understand how AMEX is allowed to do this, because it is not only supporting theft but also AMEX themselves are stealing peoples money.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (MN)

I sent a fax to Credit Collection Services ( debt collector ) followed their instructions on their letter I received regarding the debt collection and did not receive anything back from them regarding the debt for two months and when I did it was just another collection bill. The amount does not add up to the accounting on the communication with the Minnesota Attorney General that the creditor sent them and we do not believe we owe anything. The accounting is impossible to make heads and tails of and they have left payments out. This is the second company the insurance company XXXX XXXX XXXX Minnesota has hired to collect the debt because the first backed out. After finding out that our Automobile/Renter 's insurance company did n't put insurance on a new vehicle we paid for with cash, wheelchair accessible van {$36000.00} and being told by the insurance company that we had made " Too Many Changes and it was our fault '' we went with the flow and had them get it changed, but looked for new insurance and canceled our insurance with them about 20 days later for a new company. They had made a transaction with our check card that was not authorized without our knowledge, etc. So, when we received an additional bill after leaving them, we disputed it. And, they sent it to collections. We disputed that and sent that to the Minnesota Attorney General 's Office and the first collection company decided after reading the communication to not be involved. About 6 months later we got this letter from the new debt collection agency and we faxed over a request for documentation to verify debt. Never received it. We know our rights and knew this was the first step in disputing the debt. Have not had any communication with the company since.
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I did a mobile deposit to mt account at bank of america. 
I deposited check XXXX from XXXX XXXX XXXX Bank for {$1800.00}. 
The check was made payable to XXXX XXXX. 
The check originator was XXXX XXXX. 
The money remained in my account for 64 days. 
On XXXX XXXX I received notice from bank of america that a debit adjustment duplicate item, reversing deposit made on XX/XX/XXXX in the amount of - $ XXXX immediately called bank of america XXXX After many weeks of phone calls and escalating to there XXXX number, I finally found out what happened. 
I place the mobile checks in my desk drawer at work, shredding them after the 14 day hold period. Someone removed the check from my desk drawer and deposited into there account on XX/XX/XXXX. 
Bank of america sent me a copy of the check and it was endorsed by an individual I do not know. 
A XXXX XXXX wrote, " pay to the order of XXXX XXXX " on the back of the check and than signed my name next to it. 
He deposited into his bank of america account. 
In talking with many people at bank of america, they say there is nothing they can do, I did not secure the check. The check was stolen from my desk drawer. 
I have talked with the issuing bank, XXXX in XXXX XXXX and this is what they told me : The funds were deposited to my account on XXXX XXXX per the original check. The funds were in my account for 64 days and than stolen from my account. The check never hit the originators account a XXXX time. XXXX says this is for my bank tsetse with the FDIC. XXXX did report the check stolen at her end, but her bank says the funds went to the intended account. 
Now it is XXXX XXXX and XXXX XXXX is feeling pretty good, he has the funds in his account for over a month and is good to go. 
I am out {$1800.00} based on a fraudulant deposit. 
I have attached a copy of the check in question. 
Bank of America needs to step up and help resolve this and stop quoting there mobile bank policy.I am out the money because I did not present the paper check and the mobile transaction got wiped out. There is a Correction of Errors to the mobile bank process that needs to be done here. 
How do I get my {$1800.00} back? 

From an article in digital transactions XX/XX/XXXX : Most banks have duplicate detections upfront on their XXXX products, '' says XXXX XXXX, executive vice president of the XXXX-based XXXX ( XXXX ), which establishes rules for check-image exchange. " Within the bank, if you try to put in the same check twice, your bank is probably going to stop it. " Banks that exchange check images under XXXX rules or Federal Reserve rules do make warranties to each other against duplicate payments, says XXXX. It 's important to note, she adds, that if a bank does pay on a duplicate transaction, those rules do n't govern which of the banks that sent the check image for payment must reimburse the paying bank. The rules also do n't favor the bank that has the paper check, she says. 

Does Bank of America not have this set up?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2017-03-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I got an inquiry on my credit report from Cash Central on XX/XX/2017. I never authorized the credit hit on my report. I never even applied for a loan. I am very upset they were able to put an inquiry on my report without any authorization. I tried to call them to dispute the information, but the customer service rep just kept reading a prompt, saying it was a legitimate hit. I want to dispute the information and I want it REMOVED from my credit report. I also want to know how they were able to run a check, without my authorization ...
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (NC)

First Advantage is reporting incorrect data. They provided my would be employer, XXXX medical, with incorrect data that has caused me to receive possible adverse action on my employment application. 

The record is about me, but was later removed from public records ( for example, the case was dismissed after probation, expunged, sealed or made nonpublic or I received a pardon ). 

Letter from XXXX : Date : XX/XX/XXXX, 2017 Dear Associate : The Company intends to take an adverse action on your employment status based on information obtained in whole or in part from a Consumer Report. However, the Company 's intent to do so is only preliminary and no final decision has been made yet. 

Enclosed is a copy of the Consumer Report and a copy of your rights under the Federal Fair Credit Reporting Act and relevant state laws. 

The Company obtained the Consumer Report from First Advantage. First Advantage did not make any decision to take the tentative adverse action and is unable to provide you with specific reasons as to why the Company may choose to take an adverse employment action. You may, upon providing proper identification, request a free copy of the Consumer Report and may dispute with Vendor Name the accuracy or completeness of any information in a Consumer Report. Their contact information is First Advantage XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX We will evaluate the information in your report on an individualized case-by-case basis in accordance with the law. You have seven ( 7 ) calendar days to contact First Advantage at the telephone number shown above to provide evidence of the inaccuracy of the information provided. If you believe that there is information that may help to better evaluate your fitness for this position, please contact us immediately. If we do not hear from you within 7 calendar days, we will make our determination based on the information currently available to us. 

Sincerely, XXXX Representative Enclosures : Background Report Attached below.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had an account for many years with Bank of America ( revolving credit card # XXXX ) and always paid on time there is one late payment in the history which is not accurate. I have disputed this remark with no outcome. The late payment is reflected on XX/XX/XXXX. Please help I feel this is an error as I always pay my bills on time.
Consumer complaint received 2017-03-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HORIZON BANK (AR)

My bank is withholding funds equal to an amount of altered check. I notified the bank of the altered amount on the day it cleared my account ( XX/XX/2017 ) in accordance with U.C.C. Article 4-406. The bank has told me that the funds are not available to me due to Breach of Warranty but can not tell me what warranty I have breached. The bank will also not give me a date on when the funds will be available to me, and will not even guarantee that I will get the funds back at all. The bank should not have honored the check for more than the legal ( long-hand ) amount and because it was not endorsed by the payee. I believe the bank is in violation of U.C.C. Article 4. I do not see anywhere in Article 4 ( or ECCHO rule 9 ) that gives the bank the authority to withhold, and certainly not, to refuse indefinitely access to my funds since I provided timely notification and the check should not have been honored in the first place. It is unfair that the bank has use of my funds to compensate them for their error.
Consumer complaint received 2017-03-17
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (AZ)

XX/XX/2017 XXXX XXXX XXXX, AZ XXXX GM Financial XXXX XXXX, TX XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$18000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.