davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (VA)

- Summary : US bank does not provide welcome bonus about my second Skypass Visa Signature Card because of their changed regulation as described in the attached file.

- Date of applying for the first Skypass Visa Signature Card : XX/XX/XXXX on XXXX  ( no regulation change, meeting spending requirement in XXXX months ) -> I got XXXX welcome reward. 
- Date of applying for the second Skypass Visa Signature Card : XX/XX/XXXX on XXXX ( not sure about regulation change, meeting spending requirement in XXXX  months ) -> I did not get XXXX welcome reward so far. 

- Regulation for first Skypass Visa Signature Card " SKYPASS Visa Signature Card : Spend {$4000.00} in Net Purchases with your SKYPASS Visa Signature Card within the first XXXX days of account opening and earn a one-time bonus of XXXX Bonus Miles. '' - Regulation for second Skypass Visa Signature Card " SKYPASS Visa Signature Card : Spend {$4000.00} in Net Purchases with your SKYPASS Visa Signature Card within the first XXXX days of account opening and earn a one-time bonus of XXXX Bonus Miles. 

XXXX I am not sure whether they include the sentence in the regulation below when I made my second card. 
[ Existing or previous SKYPASS Visa Signature card members are not eligible if you have received a new account bonus for this product in the last XXXX years. '' ] - My opinion XXXX : When I made the XXXX XXXX, I also did not see this inclusion. Thus, they should provide me with XXXX welcome rewards. 

- My opinion XXXX : If there was an inclusion, there was no notice about it. It should be considered that it was a hidden change which US bank deliberately concealed with intention of refraining from giving a welcome bonus. In the case of XXXX, if I am not eligible for welcome reward while applying for a credit card, there is pop-up letting me know. Because of their intentional conceal, they should provide me with XXXX welcome rewards. 

- My opinion XXXX : If there was an inclusion at the moment when I applied for the second card, the new inclusion should not be applied retroactively. The added rule ( existing or previous SKYPASS Visa Signature card members are not eligible if you have received a new account bonus for this product in the last XXXX years ) should not be applied to the first card since each card is a different product with a different rule. Since the new rule should start from the second card, it makes sense that the reward for the third card with the same regulation with the second card is not given.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

Citi Bank canceled my credit card on XX/XX/XXXX but did not provide complete written notice until XX/XX/XXXX, so effectively they canceled my card without providing any notice. This action is unfair. When I called to have my account reinstated the associate advised that they couldn't offer the exact same product and would have to re-pull credit reports. She further advised that these could be pulled from all three major credit reporting agencies. My credit is frozen due to the XXXX   breach so I would incur a fee to unfreeze each file with each credit agency, then pay another fee to refreeze each after Citi pulled the credit reports. Citi 's actions would cause me an undue burden and are unfair. 

What Citi should have done is provide 30 days notice to allow time for review, but since I am next to powerless in the face of a huge financial institution I received the courtesy of canceled with no written advance notification.
Consumer complaint received 2024-09-05
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. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MO)

I had numerous unauthorized charges to my debit card. As soon as I learned of these charges ( received bank statement in the mail ), I reported my card missing or stolen and the next day ( XX/XX/XXXX ) went to the Regions Bank in XXXX, Missouri. XXXX XXXX XXXX XXXX took all my information, completed the required paperwork, assigned case # XXXX, took my debit card and destroyed it. XXXX XXXX told me not to worry and that I should start to get my money put back into my account within 3-5 business days. On XX/XX/XXXX, I received a letter from Regions Bank stating that based on their investigation, they were not giving me credit for any of the unauthorized charges. 

I do not believe that Regions Bank did any investigation because if they had done an investigation, they would have learned, as I did, that the person who made these unauthorized charges was a female named XXXX XXXX, previous address unknown. XXXX is a known XXXX addict in the XXXX XXXX area, and used my account number written on a piece of paper to make the charges. 
On XX/XX/XXXX, XXXX was arrested and sent to the Missouri Department of Corrections in XXXX Missouri. for unrelated charges. I did not give this lady my debit card information, did not know where she lived, did not benefit from any of the items she illegally received, did not make any of the purchases, did not know of the purchases until I received my bank statement, and do not know anything more about these transactions. I am not at fault! 

Another problem with Regions Bank is when XXXX made these transactions, it threw my account into over draft protection which I have a {$500.00} limit. Instead of stopping all transactions at the {$500.00} point, Regions allowed transactions to continue which resulted in over {$800.00} in over draft charges. Regions should have stopped the transactions at the {$500.00} point.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc. (TX)

I received a call from RS Clark and Associates on XX/XX/XXXX at XXXXXXXX XXXX   The lady who called verified my date of birth and read me the mini miranda disclosure that is required buy law. At the end of her talk off, she asked me if this was a refusal to pay? Now keep in mind I allowed her to finish her talk off and never even said a word about refusing to pay. I then asked her what day this file was listed with their office. She informed me XX/XX/XXXX. Per the FDCPA section 809 A and B, I have the right to validation of debt and the right to dispute my debt. Once this information is requested collections efforts must cease. I informed the young lady that I was requesting verification and validation of this debt and her response was they sent me a letter out. I also informed her I was disputing this debt since I was unaware of the debt. She then told me collection efforts will continue. This is a direct violation of of the FDCPA and I am entitled to actual and statutory damages from RS Clark and their client. This is no way to collect a debt. I work for a debt collection law firm and MUST follow the law. This is very unfair and deceptive to a consumer. I spoke with XXXX who was the collection manager and stated she would handle this, but I have my doubts. 

Account number : XXXX
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Despite the fact that I'm opted out of credit card solicitations and mailing I'm still getting credit card application solicitations by mail from Capital One. I've contacted Capital One and was told they would cease mailing me but that has never happened. My mailbox continues to get credit card application solicitations.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C. (CA)

I cancelled their service, and turned in all of the equipment on XX/XX/XXXX The balance is {$2900.00} I have requested they remove this collection on XX/XX/XXXX They have not removed the collection from my credit report. 
The collection company denied my dispute. 
The collection is to old to be on my credit report.
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

AFNI is reporting that I have a {$2900.00} collection balance with their agency. I have told them repeatedly that this is not my debt, and they have made a mistake. Furthermore, I have asked them to forward me a verification of the debt, if they had anything to prove that this belonged to me. I have made several requests for this verification of debt over the last 6 months, but I have not received anything back from AFNI. AFNI does not supply a verification of debt, despite numerous requests. Yet they continue to report their mistake on my credit report. In doing so, they are violating my rights.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Credit Agency continues to report a debt that is not mine and is being verified as my debt by XXXX/XXXX who no longer handles the debt they sold it to XXXX, but they continue to verify it as mine. I have not heard from XXXX XXXX. but the agency has not delete this item from my credit profile, they are dealing with XXXX/XXXX who no longer handles this debt but they are responding negatively.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

I asked for verification of medical debts WITH my signature or some proof that the debt is owed by me with a signature of mine showing I created the debt, XXXX, Experian and XXXX all failed to provide ANYTHING with my signature. Instead in both XX/XX/XXXX and XX/XX/XXXX they sent back correspondence stating that they verified the debt to be true and correct but failed to proved any signed proof in which they should have in their file. I sent both letter certified mail. According to the FCRA they must have in their file my signature on any documents to verify the debt is accurate and my debt and provide that within 30 days, which they failed to do. I am requesting that the debts in question be removed from my credit reports due to them not lawfully following the FCRA and providing signed documentation.The amounts in question are : {$710.00}, {$560.00}, {$330.00}, {$410.00}, {$290.00}, {$370.00}, and {$390.00} and {$10.00}, XXXX
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: B & B FINANCIAL SERVICES INC (AZ)

Dealership sold Gap and service contract with a signature obtained from being coerced into scanning document for Gap refund that was supposed to cover me back to me. Instead said it was applied to loan but figures and dates do not match. Added vin to car motor to replicate a metal plate with screws. However fake screws that are not real. Engine is different sold car as a XXXX but actually XXXX. Charged my credit card without my knowledge for services I knew nothing about.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (AZ)

Number comes up and restricted/unknown but they leave a message demanding that an debt for insufficient fund for my sons account with Wells Fargo. Then also called my son who is on my wireless account. My son unfortunately my son did call them back, they said they where calling form a Law firm and demanded that he pay $ 1400+. We immediately went to the bank to confirm that he didn't have an account that had that was either closed or opened that he owed money for. All accounts where closed and in good standing.. They continue to call. I called back today and after giving them the account that was left on VM but refused to give them my name, they hung up on me
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (LA)

This company does not and will never have my consent to have access and store personal and private information that belongs only to myself. This is a direct violation of state and federal privacy laws as well as unconstitutional. I demand all information pertaining to myself be removed or I will pursue legal class action suit against this company.
Consumer complaint received 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

These loans are duplicately reported along with XXXX and XXXX XXXX XXXX. This account was on an approved deferment and therefore was never late. The unscrupulous practices of student loan companies make it almost impossible to repay and hinders your credit unnecessarily. Please correct this error immediately to paid as agreed never late!
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The last communication from SSFCU mortgage was about applying for hardship. They did not move forward because of missing bank statements. I don't have XXXX piece of mail or a voicemail asking for these documents. I did not find out I was missing bank statements until I called. While on the phone XXXX weeks ago, the rep stated she would send the hardship packet again and asked me to send in the bank statements. She never mentioned my house was about to go into foreclosure. I have not received any voicemails, or letters about my home going into foreclosure. I feel misled. The statement I got in the mail yesterday is deceptive because it asks me to pay and does not mention anywhere that foreclosure has begun. I got approved for a XXXX withdrawal but it will not be enough to cover attorney fees. I can only pay the amount on XXXX 's loan statement I received yesterday. Every time I call the mortgage, I get re-routed to a collection team and they ask the same questions like, why I became behind, and they choose to get through the same script rather than helping. It is a nightmare calling their mortgage. It's long phone calls before you can speak to anyone and once you do it's a collection team saying the same script that you've heard over and over. Then after their repeated question, they just might transfer you to the mortgage servicing team. It's not a good experience at all and I only feel it is designed this way to deter borrowers from calling them. I tried to send documents to their email and I got a reply email saying the mailbox is full. I did not get a fair opportunity for hardship from them, they never sent XXXX letter saying my home was going into foreclosure, not XXXX voice mail saying my home was going into foreclosure. Again, it is a nightmare calling them and speaking to anyone that will help. You will get re routed, asked the same XXXX questions over and over, and then transferred. An easy hour out of your day wasted to call them.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In 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 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hard queries have been made that were not authorized by my 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 XXXXXX/XX/year>
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NV)

I have an unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SUNRISE CREDIT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION (NY)

I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I have been charged over {$700.00} in fees in the past 30 days and TD Bank will not do anything to either reverse 1/2 or all of the fees. 
Though they made suggestions to me on how to fix the problem, I followed through and did so, still they will not work with me about the excessive fees. 
District Manager claims to have called me however I never got a call from him whatsoever.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I use TD Bank on XXXX XXXX, XXXX XXXX NJ XXXX. On XX/XX/XXXX I received a letter and copy of a check for my rent dated XX/XX/XXXX8 from my Land Lord. The check was stamped 'Account unlocated and so the courtesy check from TD BAnk was not honored.. I took both letters into TD Bank XX/XX/XXXX I was informed that the even though the money was in the account the check was not honored because the bank manager preferred for me to buy their checks and that I used 25 courtesy checks a month. This not true. I get 3.They didn't accept the letters. I asked for the manager and told she was unavailable. XXXX XXXX. I contacted TD BAnk 's corporate office with this complaint and was told that the check should have been honored and I can't be forced to buy their checks. My landlord was charged for a return check and I was late on my XX/XX/XXXX rent. I returned to TD Bank the on XX/XX/XXXX and spoke with a representative there and was told the manager stopped payment on the courtesy check, even though the funds were available and that the manager makes the rules and she preferred I purchased their checks. She could do anything. I then attempted to take money off my Debit card and suddenly my pin number was no good twice. I again reported this to TD BAnk, Corporate. I was forced to use and pay ATM fees to cover my bills. The rent money was withdrawn and turned into money order. There were 2 tellers both doing nothing and I waited and waited. On XX/XX/XXXX, I went to make a withdrawal and deposit and asked for 3 courtesy checks. The teller ( who refused to give me her name ) She immediately went into saying I can only get 3 courtesy checks. I told her I can't manage a checkbook and end up with fees for bounced checks. She informed me that the fees would be the same for courtesy checks. She's harrassing me to purchase their checks. For over a year I get and sign for 3 courtesy checks and I always have to sign for them. Today I was handed the checks without a signature needed. This made more more uneasy. I asked why I didn't have to sign and was told I just didn't. This was also reported to TD Bank Corporate office today and they agreed that all courtesy checks should have been honored and they would look into it. Now when I go to the bank, no one wants to serve me or they give me a speech about buying their checks. This unfair treatment and refusing to pay checks and forcing me to purchase theirs is not right.