davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (PA)

Ally Bank has not paid me a promised {$200.00} bonus for which I qualified, so I am asking CFPB for assistance. 

In XXXX  2023, Ally Bank offered a bonus of {$200.00} using the promo code XXXX for opening and funding a new XXXX ACCOUNT. 

As I previously had a XXXX  account with Ally, I called its customer service to confirm if I would be eligible for this bonus offer. I had never before had a spending account with Ally. A customer service agent confirmed that I would indeed be eligible for the {$200.00} spending bonus and encouraged me to sign up for the offer, which I did on XX/XX/XXXX. 

I changed my direct deposit to Ally Bank and deposited more than the required {$1500.00} direct deposit ( {$1700.00} on XX/XX/XXXX ) well within 90 days from the time I opened the account, per the requirements of the bonus offer. The bonus of {$200.00} should have posted to my account within 30 days of that direct deposit, or by XX/XX/XXXX, but it never appeared. 

On XX/XX/XXXX, I called Ally Bank and spoke to a customer service agent named XXXX about this issue. It became clear from this conversation that either Ally customer service agents are not well trained about this offer or are intentionally evasive in order to get customers to give up what is owed to them. First, XXXX claimed my account was not in good standing, which disqualified me for the bonus. This was not true as my account was open with a balance and the account had never been overdrawn. Secondly, XXXX claimed I had to have kept the entire direct deposit in the account to earn the {$200.00} bonus. But the requirements ( see attached ) clearly do not state that, I countered. Thirdly, XXXX said I had previously had a XXXX  account ( since closed ) with Ally, so I was not a new customer. I informed him that the requirements specifically state disqualification for the bonus only if an applicant had a XXXX  ACCOUNT previously, which I had not. He read the conditions of the bonus and agreed I should have received the {$200.00} bonus. He promised to manually escalate my request to a supervisor and that I should receive the {$200.00} within XXXX business days. It has been XXXX weeks since that conversation, but the {$200.00} bonus has not been credited to my account. 

This is clearly a case of bait and switch so that Ally Bank gains more clients and deposits without paying out the bonus they advertised. This is a particularly egregious offense as I am a XXXX XXXX. Will you please help me with my complaint to Ally Bank so that my {$200.00} bonus is paid to my account? Thank you.
Consumer complaint received 2018-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

We were given a 4 month trial period plan agreement to an FHA-HAMP loan modification starting XX/XX/2018. We made the XXXX and XXXX payments. 
As of XX/XX/2018 Bank of America sent us a letter saying we missed the XXXX payment. They are threatening to send us into foreclosure and make us homeless. 
We had called them on the phone XX/XX/XXXX to make the payment using correct bank routing and account information verified by our credit union. The money is still in the savings account we gave them permission to withdraw the funds from. We have been calling them several times to make sure they get the payment, but could not resolve the issue with them. Now, due to their inability to make a simple ACH transaction out of our savings account, Bank of America is giving us 30 days to make other arrangements to live! 
We have been calling them since the first attempt to pay on XX/XX/XXXX up through XX/XX/XXXX.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I had several student loans that were in default. I had been paying on XXXX set of my student loans through Navient. I had a second set of student loans that I went through loan rehabilitation through XXXX. I finished the loan rehabilitation program through XXXX and then my loan was brought by Navient. I was sent an income base repayment information from XXXX to send to Navient. Since I had a set of loans already through Navient I called them and requested assistance with getting both set of loans due at the same time and the payment reduced to an amount to something that I could afford. The representative encouraged me to do the loan consolidation and led me to believe that it would save me money and my payments would be reduced. When my loan was consolidated it was only {$30.00} less that what it was when the loans were n't consolidated. When I log in to my account I still have XXXX sets of loans both due on the same day which is the first of the month. I could have easily requested a due date change and accomplish the same thing. I do n't understand the purpose of me sending in my XX/XX/XXXX Federal tax return along with household information if the payments were n't going to be reduced to an affordable amount that I can afford so that I do n't go back into default. I immediately called back to NAVIENT and the customer service rep was n't friendly and gave me another number so that the income base application could be mailed to me. It is XX/XX/XXXX and my next payment is due XX/XX/XXXX. When I called the XXXX number it was an automated NAVIENT number stating that it would take up to ten days for the application to me be mailed to me. I shy away from systems that require a password because I have memory problems and get extremely frustrated and do n't trust anyone. I am a XXXX veteran. I tried to explain that to the Representative but before I could get it out she told gave me the XXXX number and sent me on my way. The last person from NAVIENT filled the application out for me and I just had to sign it. I was able to google the application and uploaded to my account along with my recent XX/XX/XXXX Federal Tax return. I do n't feel that NAVIENT was looking out for me or my family. They were just out to get the highest payment. Since uploading the income base application, I do n't see where it was received or if someone is working on it. I also sent an email directly through NAVIENT about my concerns and all I received was an automated response stating that someone would get back to me. That e-mail was sent on XX/XX/XXXX and still no response. I ca n't tell you how many call that I got when I was in collections. I 'm trying to be proactive and stay in good standings. I know that the money has to be repaid.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

1

5 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 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Prior to Covid, we had not missed a payment for years. Due to our line of work, once covid hit, our income was reduced to {$0.00} so I had to find another job while my XXXX XXXX XXXX was on hold. We contacted our servicer and asked for mortgage assistance in the form of a loan modification once it " appeared '' that the pandemic was over and we were once again receiving income from our XXXX XXXX XXXX. At the time of submission of the loan modification package, we had W2 income as well as our real estate income. Rates were at an ALL TIME low and based on the income that was provided, we would have easily qualified for a loan modification. However, our servicer, after repeated verbal and written requests by us, still would not use the full income that was provided. They only used the W2 income, not the real estate income. We had been in real estate for over a decade, the W2 income was for barely a year as we only went W2 because of the pandemic and its effect on our real estate income. 

They finally offered us a deferral of all past missed payments, including tax and insurance but refused to recalculate us for a loan modification so we submitted a complaint to CFPB and after XXXX  months of us pretty much begging them to use the correct income that was provided, they finally did. Rates at this time were on the rise and we were told that we still did not qualify for any type of a loan modification but stated they would still defer all missed payments on the back end of the loan. The letter was dated XX/XX/2022, with XXXX payment due and in just a few days, a XXXX payment would be due for a total of {$5700.00}. 

We requested that the bank please defer and make XXXX the XXXX payment as we are doing everything we can to keep our home, they refused. This servicer has done nothing but torment, harass and discriminate against us ever since we asked for their help. To send a letter on the XXXX, payment due, with another payment being due just a few days later, shows the lack of common sense that we have been dealing with. Servicers are supposed to do all they can to help American 's retain their home after the pandemic and this servicer has done the exact opposite.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$630.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Again and again TransUnion , LLC has purposely reported incorrect information on my credit report trying to ruin my credit score! This has been a long uphill battle with TransUnion , LLC and they are still not reporting things correctly! I have discussed these issues with TransUnion , LLC repeatedly only to be notified by TransUnion , LLC and their subsidiary XXXX that something else is being reported wrong! Here is the latest problem, on XX/XX/2017 i received notification from TransUnion , LLC and it 's subsidiary XXXX that my total reported account balance has increased by {$6000.00}. which effects my credit score! This is wrong! In fact my total account balance has decreased and decreases each update! TransUnion , LLC says it 's because the previous balance on all ( XXXX ) of my XXXX credit cards was {$0.00} and this is also incorrect! The first XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$1800.00} and the current balance is {$1800.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$3300.00} and the current balance is {$3200.00}. The XXXX XXXX credit card balance account ending in XXXX the previous balance was not {$0.00} it was {$970.00} and the current balance is {$910.00}. The total account increase of {$6000.00} is not right and needs to be removed!!! All of this has affected my credit score!! All of my points being removed while TransUnion , LLC constantly makes errors while reporting my accounts and balances need to be added back to my credit score! I want all of my points added back and the correct information reported! Please see supporting document that I 've uploaded for verification.. thank you!
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. A consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I have a government travel card. I was on travel from XX/XX/2023 to XX/XX/2023 in XXXX, Arizona. While there I attempted to use the ATM for a cash advance but the machine was not working, and did not dispense funds. On XX/XX/2023 I was at work in Maryland when I received a notice of a declined transaction, over the spend limit. I didn't recognize the amount, and called Citibank to report. They closed the card, and issued me a new one. I contacted Citibank many times, to resolve and offered to provide proof I was not in Arizona during the charge times. They asked me to contact the ATM vendor, which I did. The ATM vendor confirmed the machine was out of service during my stay, however noted that their records were in balance the first time I spoke to them, and the second was that it's too far back to verify. Citibank investigated and because a chip card and pin was used, they are saying I'm responsible and they have sent me a letter notifying me of the such. I did not withdrawal {$480.00}, and am not responsible for this issue. 

I did speak with a person named XXXX who said my complaint was not filed correctly, and apologized for the mis-handling of this issue... but the result was the same as prior. I have not been able to contact him directly since.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My mortgage loan was serviced by service XXXX and they sold the loan. I received a letter from freedom mortgage on XX/XX/XXXX stating that they are my new mortgage servicer as of XXXX XXXX, and that I no longer make my payments to them as of XXXX XXXX. I paid my XXXX payment to XXXX Mortgage as the letter stated. XXXX XXXX is reporting my account as delinquent when they are no longer my servicer. I believe the company is doing fraud they are harassing me stating I owe them for XX/XX/XXXX and now the month of XX/XX/XXXX when my loan is no longer with that company. They will not respond to me and only states that my loan hasnt been transferred when it has and I have been paying the new company. I am very frustrated because they are harassing me for payment and reporting late payments on my credit when my loan was transferred.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

The company want allow me to access money from my accounts. They have accused me of writing two checks, they have accused me of fraud. The issue started at the end of XX/XX/2018, when my daughter realized that the debit card to one of my accounts was missing. We reported the card lost to the bank and the police, we filed two police reports one in XXXX, AL and one in XXXX, AL. A week later the bank tells my daughter that someone deposited two checks into the account. We went to the bank to let them know that the card was lost. The bank told us that because my daughter, who name is on the bank account should not have had my card, they would not be refunding the money to the account that the checks was made to and that they was taking the money that was in my other account to recover the overdraft from the other account. The bank stated that whoever put the checks into my account had the pin number the checks was deposit through the ATM, but when my daughter lost the card, the pin number was on the back of the card and she lost her driver id, that is all in the police report. I gave the bank the police report numbers and offered to have my job and my daughter job show time stamps, to prove that we were at work when this happened. I asked the representative at the bank how was someone able to withdraw {$3000.00} out of an account that only had {$25.00} in it. The bank statement shows that the person was able to take the majority of the money out of the account within two days, when usually if you put that big of a check into a regions account they make you wait 5 to 10 business for the check to process. The representative told me that they did not have control over what the ATM allowed a person to take out or put in. That when you put a check into the ATM you are allowed to take cash out under good faith that the check is real, this is in contrast to what they do when you bring a check into the bank and make you wait for the check to be processed for 5 to ten business day.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX/XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IA)

ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX  {$240.00} I received a collections letter in the mail and I had no idea this was going on. I am attaching the emails from the management of the complex telling me to disregard the original invoice. You can find that on page 4 or the larger document. I am also attaching the invoice that the collections agency sent to me. Again, I never received that invoice and the original invoice I received was for an amount about {$60.00} less than the " final invoice '' the collections agency sent me. 

I have yet to receive the final invoice from the " higher management '' of XXXX XXXX and XXXXXXXX XXXX will not provide the information to contact the higher management. 

This debt would have been paid had I known what I owed but I received nothing. This is now going to impact my credit score negatively and I was not informed of any debt owed! 

Again, I have no problem paying, but I did not know that I owed anything!! I would like to be able to pay and not have this hurt my credit! 

I can provide the additional emails showing that they wont give me the contact information for the higher management.
Consumer complaint received 2018-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Google Compare Credit Cards Inc. (CA)

XXXX XXXX XXXX XXXX. I'm the one who made currenty correction. If the twe countrys. I could name them an tell long it took me to do.date tI 'm everything. I even got prove. An my two old cell phones got stolen. That's how an also my mail. No court date came in. My emails got hack also XXXX XXXX. I need my life back I feel like this money could leave to my family being hurt. I need to do this fast please. An get out of town before bad thing happen.are happen. An I know Google an XXXX are in on it. Sorry do late better late then never.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. The amount said that is owed at XXXX. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.