davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (CA)

I opened up a TD Bank account in XX/XX/2017. This bank account had a bank promotion of receiving {$150.00} after making {$500.00} in direct deposits within 90 days. I have met the terms of the bonus. When I messaged TD Bank about the bonus they sent me the following message : " Hello XXXX, Thank you for contacting us in regards to the new account opening promotion. 

TD Bank is currently offering a new promotion that is available only through the Online Banking, by clicking on the " apply now '' through the Ad on TDbank.com. Once the account has been opened through the landing page, the applicant can choose between one of two options : Open a TD Convenience Checking account plus receive direct deposit ( s ) totaling {$500.00} or more within 60 days of account opening to earn a {$100.00} bonus. 

Or Open a TD Premier Checking account plus receive direct deposit ( s ) totaling {$2500.00} or more within 60 days of account opening to earn a {$200.00} bonus. 

The account must be opened for at least 95 calendar days to receive the incentive. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. 

A review of our records indicates that this account was opened in person at your local TD Bank store location. Where this is an online only promotion the account would not be eligible for the promotion. 

If it is helpful to note, TD Bank does run promotions periodically for current, or past, Customers. Please feel free to check in with your local TD Bank Store for any promotions that may be available in your area. 

We apologize for any confusion. 

If you have any further questions, please contact us via email or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. 

Kind regards, XXXX XXXX. 
TD Bank On-Line E-mail Specialist '' There are two problems with this response. I received an email of the promotion from a TD Bank representative. She informed me that I was eligible for the promotion. The promotion she sent me says nothing about the account having to be opened online. The 2nd issue is that the response says the promotion was for {$100.00} when in fact it was for {$150.00}. I have the email that the representative sent me. This is completely unacceptable to tell me I can open an account and get a promotion and then months later after I have already completed the terms tell me that I can not get the promotion when the representative said I could.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I had water damage to my home. My insurance company wrote a  two pa rty check made out to the lender and myself. The lender deposited the funds into their account and wo n't release them to me. After months of meeting their demands for proof the damage was completely repaired and the contractors paid in full, the lender still has my money and is not releasing the funds.   The loan is current and paid as agreed.
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (IN)

I was taken to the hospital while   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX
Consumer complaint received 2017-04-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I have a credit card and checking accounts w ith US B ank and on  X/X/17    I submitted an application for a reserve line of credit. On  X/X/17    I logged on to view the status of my application and noticed a pending document, so I submitted an electronic signature. After submitting my electronic signature, I contacted US Bank at  XXXX  to verify that my information was correct and after being transferred a few times, I was advised by one of the many representatives I spoke with that my reserve line of approved for {$500.00} and on  X/X/17    I would be able to view my line of credit along with other my existing accounts. Since the line of credit was not available on  X/X/17   , I contacted US Bank again and was transferred several times, but was n't able to get the correct information from any representative. On  X/XX/17    I contacted US Bank a third time and requested that my original application be canceled, so I could submit a new application. My second application never processed beyond the information I placed, however, US Bank placed a hard inquiry on my   XXXX   file. Today I contacted US Bank again and went on being transferred from department to department with no resolution.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America closed my checking account without providing notice or an explanation. This has caused me damages with regard to payments made out of that checking account prior to it being closed. 
Further, I have no access to the funds that were on deposit of approximately {$3200.00}. They state that they 've mailed out a cashier 's check on XXXX and it could 10-15 business days to get here. I needed that money to cover expenses. 
I feel that the issue sprang from a personal check I deposited via their image-deposit feature on their smart-phone app. That check was in the amount of {$250.00}. Their Risk and Fraud department called me the next business day ( XXXX ) to let me know that a deposit had triggered a " red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag. 
I do not know what the official reason is for the closure, however I feel that I 'm incurring unnecessary hardships because of an arbitrary corporate decision that was most likely caused by Bank of America 's inability to process an image-deposit.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS RELIABLE LENDING LLC (IL)

XXXX   XXXX   (    XXXX   ID  XXXX  ), called me with detailed information he somehow got from a credit check I had done in early  XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their information.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

As of recent, I have been advised by Equifax that they have revoked my online access for disputes or access to my credit report. Unfortunately, I feel that this is retaliation from my previous disputes for Equifax not following the proper guidelines when it comes to handling disputes. I have been advised that my credit file is currently being handled by Consumer Affairs and they are the only ones who have access to my credit file. They have done unauthorized disputes and added unauthorized alerts to my credit file and I have been given a hard time when attempting to request them to remove the alert. They say that they have removed it but I have no proof yet. I also sent them documentation from a creditor  XXXX   XXXX   XXXX  to have the  XXXX  listings removed from my credit report and they have done another dispute that I did not ask to be done. Equifax alledges that they performed a re-investigation for the  XXXX  account  XXXX  that is still currently on my credit report. I sent them documentation from the company that the account was sold t o (   XXXX   XXXX   XXXX   )  as well  XXXX  advising that they sold the account. The account has been removed from all credit bureaus except Equifax. I feel that I am being treated unfairly and retaliated against since I made complaints against them. Each time I call I am given the run around and sometimes hung up on. I am told to ask for the department by name as they have no direct contact number. I have called during business hours and have not been able to get assistance. I have had representatives tell me there is no one else to speak with. I have been told things such as your file will be with consumer affairs indefinitely and that they ca n't provide any further information.
Consumer complaint received 2023-06-21
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. (VA)

Good evening to whom it may concern, As of today, I have called XXXX, XXXX and Transunion several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form XXXX stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.
Consumer complaint received 2017-04-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

I was contacted by someone on  XXXX   XXXX  saying they were an account manager at  XXXX     XXXX    and that i can receive an cash refund which is entitled to me and is legal and legit, so that being said i shall receive the amount of {$6000.00} if i pay {$300.00} in the form of cash and send this amount to an agent and that i will receive the full amount by this person with an reference number in money gram form, i then sent {$300.00} in cash for pickup by said agent to send it to, i knew i was scammed when the transaction was not returned on my end and did not receive said money as promised and tried to call the number given back, a man called me saying that my money is on hold at my financial institute and that i will have to pay another added {$150.00} for a deposit to receive my cash refund and i received several other calls from this person the next 2 days asking for more money and he told me this is legit and legal and that i was assure i will get my money on hold.
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

B ank of America  is using  XXXX  for extortion, and on a frivolous debt that has not been validated, this has caused me SEVERE DAMAGES!! as i am currently in litigation with  XXXX   [   XXXX   XXXX  & gt ; agent ] for their reckless malicious criminal activity of blocking me from banking activity for at l east 2 1/2 years, preventing me from havin g a stock broker  account, costing me hundreds of thousands in lost profits, preventing me from selling a   XXXX   or two   o n  XXXX , preventing me from selling my   XXXX   online, preventing me from selling on an online auction website, and making my life miserable and causing me suffering of poverty  XXXX  Bank  of America  unlawfully breached my information to   XXXX   and this is a   XXXX   discrace, now there s 2  investigators names   XXXX   XXXX  i, and  XXXX   XXXX  & gt ; [ of which are liable in their private capacity unless they produce their bond or liability  carrier ], adding to the damages by committing crimes of 18 USC 241,   conspiracy against rights and using fictitious names and still can not produce VALIDATION OF ALLEGED DEBT or A VALID CURRENT CONTRACT!!! I h ave 2 statements from 2 bank s stating  XXXX  is making a bad report, and i will find the letters soon, Bank  of America told me 1 1/2 year ago they were using  XXXX  to report on this FRIVOLOUS DEBT , plus its right in their response letter they will use  XXXX  as a threat to me, heres just a few profits i lost, if i had  XXXX  $ to invest o n one stock did 1600 % in one da y i could have made  XXXX  $ and thats just one investment out of many i was prevented from investing because i was blocked from banking, Becaus e of Bank of America and their CRIMINAL EXTORTION RAQUETEERING FRIENDS!!!!! THESE ARE MISCREANT S!!!     XXXX   XXXX   NO GOOD SLIMEBAGS, I CAN SAY ANYTHING I WANT WHEN THERES PEOPLE WRECKING MY LIFE VIOLATING THE LAW AND MY RIGHTS!!! ROTTON  XXXX !!!       1.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,672 % GAINS!   2.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 348 % GAINS!    XXXX .  XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 364 % GAINS!    4.   XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 392 % TOTAL GAINS!    5.   XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,067 % GAINS!   6  XXXX   XXXX   : Alert at  XXXX . Hit highs of  XXXX  for up to 1,014 % GAINS!   7.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 618 % GAINS!
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority (MD)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Maryland  XXXX  Email :  XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX ,   XXXX    XXXX  : MEFA Application  XXXX  ; Account #  XXXX  Account #  XXXX  Account #  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX , MA  XXXX  Dear  XXXX   XXXX , My name is  XXXX   XXXX   XXXX . I am working on my   XXXX   XXXX   XXXX   at the University  XXXX    XXXX   and all I am trying to do is combine my  3 MEFA loans into one  to reduce my monthly payment.   The question I am trying to get answered is and it isnt disclosed as an underwriting criteria anywhere. Can the  3 l oans be combined into a variable rate to reduce my monthly payment? The   3 loans I want to consolidate are existing MEFA loans. I have been through the website and loan documentation disclosures 3 separate times and nowhere is it disclosed that the loans have to be in repayment for 12 months.
When I go back to the Loan Application and Solicitation Disclosure the eligibility criteria states and I quote Must be currently making payments on all student loan debt to be refinanced. It doesnt state it must be in repayment for one year  . As a matter of fact I had called Customer Service before I applied and was told that my loans had to be in repayment and current for at least 90 days.   Please also keep in mind, I have already paid one loan down by  XXXX , my loans are current, my  credit score  is good, I dont understand the delays.    XXXX   XXXX  has stated that I should withdraw my application. I do not wish to withdraw the application, and if  MEFA  is going to turn down the loan for this reason I have requested they put it in writing which I can then take and file a formal complaint with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , The Massachusetts Office of the Inspector General,  State  and Federal Banking Regulators and the Department of Education for deceptive, misleading, and predatory lending practices.   The bottom line is I believe I am being discriminated against because I am a  XXXX  borrower and my guarantor is my  XXXX   XXXX   XXXX   XXXX  grandmother. The loan officer probably forgot to mention thats the real reason for jerking me around.     I am formally requesting an answer in writing to my loan application so I can escalate this issue accordingly. I thank you in advance for your update to my application.       Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

I had a  XXXX   XXXX   XXXX  account that I have paid in full. For whatever reaso n, Southwest Credit Systems will not update the account as paid in full with all three credit bureaus (   XXXX   XXXX   XXXX   XXXX   ). I keep disputing the debt, but they keep saying that I owe it. I even have receipts to show that the account has been paid in full.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (IL)

I am sending ANOTHER complaint. This is in response to complaint number  XXXX  that was closed. They have again called me at the main number at my work.  XXXX  from  American Express is the representatives name. They said they had tried to contact me on my mobile  but they had only called me at  XXXX   XXXX  today. ... .And then they immediately called me at work right after that. In the complaint from a month ago, they said they would not contact me at work and considered the matter closed. I am paying them  XXXX /month. When are they going to actually be held to the standards of the law?! He acted like once again he did n't know about not calling at work but when I mentioned the complain he was suddenly very accommodating. This is my THIRD request to them to remove my work number! I never even authorized my work number to be called t begin with. Both of my parents died and I am trying to manage a lot of bills right now while politely working and paying all of them.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have no idea what they debt is and why it appears on my credit report from   XXXX   Reference Number  XXXX  Date Filed  XXXX  Classification Legal Item Type Judgment Responsibility Individual Plaintiff ASSET ACCEPTANCE LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OF  XXXX  COURTHOUSE  XXXX , NY  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Hello, My name is  XXXX  and I recently noticed th at Macy 's had rep orted to all  XXXX  of my credit reports that I was 30 days late in  XXXX  of  XXXX  but I was never late and that information is not accurate. I had called the company back then to report that my statements were missing. either lost or stolen or never received and all of the fees were waived an d the manager was very understanding. I remember that they assured me that this would not impact my credit report and I t rusted the managing supervisor on the phone and never thought about it again. Now, I am currently trying to purchase a home and my real estate agent informed me of this late and I was completely shocked and disappointed to see that the changes were not made to correct the inaccurate 30 day late in  XXXX  of  XXXX . I was never late to make any payments, I am a very responsible credit user, the statements never came to my house nor had I received any phone calls regarding a missing payment to even know. Please a sk Macy 's to  make  XXXX   XXXX  current and never late, that would be the correct reporting. whatever appears now is completely inaccurate.     Also, I noticed that they also placed an inquiry on credit report and that is wrong and should not be appearing on my report. I never applied for new credit at macys in  XXXX  of  XXXX  and I have no idea why this is appearing on my credit report via   XXXX   XXXX  . I have always had  a Macy 's Department Store card  and never authorized anyone to reapply with my social security number. I have been a member since  XXXX  so this is very confusing to me. Please have them remove the inquiry from  XXXX   XXXX  as well-that is wrong. Thank you so much
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 US Code 1681a ( 2 ) ( B ) ) and to bring to your attention the presence of inaccurate information on my credit report. I have recently obtained a copy of my credit report from Equifax and have discovered discrepancies that I believe require immediate attention. 

The inaccuracies in question pertain to the following : - Chargeoff/Collection with late payments up to the current month XX/XX/23 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX , XXXX
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (IL)

I fell be hind in payments to Navient on my student loan due to child support obligations. That loan went into default early last year rig ht as I was exiting child support.  XXXX  Funds is the Guarantor and I made an agreement with them over the phone to make monthly payments of {$210.00} which I have made 30 days in advance for over a year.. In   XXXX   XXXX   XXXX  hey started sending my payment back to my bank and told me it had been placed in collection with  XXXX   XXXX   XXXX . I researched this company and heard they could add fees and so I decided through studentloans.gov to consolidate this loan with  XXXX   XXXX . The payoff everyone  (   XXXX  and  XXXX   XXXX  ) agrees is just under {$11000.00}. But,  XXXX  Funds keeps sending a payoff to  XXXX   XXXX  on my applications of around {$13000.00}. I can not contact  XXXX  Funds apparently.  XXXX  and  XXXX   XXXX  said if I amke my monthly payment of {$210.00} they would remove a collection fee of {$2000.00}. But, neither of those entities now admit they added that fee. I just want to consolidate my actual debt of under {$11000.00} with  XXXX   XXXX .