davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

Citi / AAdvantage Platinum Select World Elite Mastercard has misleading benefits. One of the benefits is " First checked bag free on XXXX XXXX domestic itineraries. '' I recently booked a flight on the XXXX XXXX website from XXXX to XXXX. The outgoing flight was an AA plane and I checked a bag. I was not charged for this. 

The return flight, even though I booked on the AA website, meaning it's an AA itinerary, was on XXXX. I was charge {$30.00} each for my and my partner 's first checked bag. The flight was based on an AA itinerary, so I'm not sure why I was charged. 

I called and messaged Citi to get the charges reversed. First I was told that I would get credited after the statement closed. I reached out after statement closing and they told me that my flight had a codeshare agreement with XXXX  and therefore my benefit was not applicable. How am I or any other consumer supposed to know what the benefit actually is? I assumed that by booking on the AA website that my flight was an AA itinerary.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (TX)

I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed XXXX has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form XXXX must be issued to the consumer. I recently contacted And spoke to a representative and was informed that this account was sold to a collection company. This account has been Discharged by BMW FIN SVC__ and I need to file the XXXX form with the IRS as income. An account can not be a charge-off and a collection at the same time. BMW FIN SVC has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . BMW FIN SVC as a furnisher of information, is prohibited by law from reporting inaccurate information. The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM XXXX must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CA)

After contacting Newrez through the consumer portal, Newrez reached out with instructions for removing PMI since I didnt qualify for the XXXX XXXX XXXX automatic removal. 

I paid {$150.00} on XX/XX/XXXX to schedule a XXXX  per the instructions. According to instructions I need to meet or exceed XXXX XXXX XXXX based off current value per the XXXX. 

On XXXX house was inspected and photographed. 

On XX/XX/XXXX I called mortgage company regarding the decision based of current value. House was valued at {$610000.00} and outstanding amount due was XXXX or XXXX XXXX XXXX with meets and exceeds the XXXX XXXX. Newrez refused to remove PMI despite satisfying their conditions. Customer service resubmitted to the paperwork to loan Servicing Department since they didnt not understand why my PMI removal was denied. 

On XX/XX/XXXX I followed up from the XX/XX/XXXX call and they denied the request again.
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Bank, located at XXXX XXXX XXXX, XXXX, FL XXXX has at least 1 bad seed amongst them. We always did business with branch near our home, but on this day, we needed to handle a large some transfer while working. So we decided to go to the XXXX location. Only the teller & the manager would know that this large sum of money would be hitting our savings account & when it would clear, along with having my husband 's Driver 's License with signature & the knowledge that there was a large sum. Most people do not have that amount. We usually don't either, but we just sold a house & just transferred the money to our account. 

Right after the money was cleared to our savings, {$65000.00} was transferred on XX/XX/XXXX from our savings to our checking. Then at the same time, {$9400.00} was taken in cash from the fake ID that was made, just under the {$10000.00} radar. Right after that, the man had a cashiers check made out from the same account for {$56000.00}. All transactions were done in person with a teller in another state. 

Suntrust flagged it immediately, but never notified us of any suspicious activity. Two days later we noticed {$65000.00} missing from our account. The cashiers check had a stop put on it immediately, but never were we contacted of a security breech. Also, Suntrust has not put the {$56000.00} back in my account as ofXX/XX/XXXX even though they have a stop payment on it. 

One bad seed has destroyed our trust & security after 40 years of banking & loans. We have no other choice, but to go to another bank because all of the personal information that was sold off. That person still has access to our accounts & all of our personal information. Plus we noticed, that when they set up the new accounts they didn't take our pictures to have some verification, like many other banks do. We are not saying this couldn't happen at any other bank, but at the moment we are not safe at Suntrust.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (GA)

Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section XXXX of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Consumer complaint received 2024-01-23
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: AMERICAN EXPRESS COMPANY (NV)

I noticed reoccurring charges on my statement XX/XX/year>, the credit card due date ; that had been happening for a few months unnoticed. I disputed XXXX systems for the months of XXXX and XXXX {$21.00} each month. Live plan for {$40.00} each month. Legal zoom charges for XXXX each month. These charges were disputed multiple times, and each denied. I locked my card, requested a new on for fraud in XXXX XXXX XXXX  and still charges unauthorized were charged to my account in XXXX XXXX XXXX. I've only disputed three months of these charges however looking back thru the year the charges started XX/XX/year>, with XXXX at {$20.00} then continued with 5 more charges last one being XX/XX/year>, after the disputes and no longer using that card. Live plan total for 2023 {$200.00}, after the first charge XX/XX/year>, the amount taken from my card doubled to 40 XXXX XXXX XXXX  charges began XX/XX/year>, at XXXX and proceeded to charge my card XXXX XXXX XXXX XXXXXXXX and XX/XX/XXXX  again after disputes were placed and a lock should have been on the card. XXXX XXXX  charges totaling {$120.00}. XXXX XXXX has been used by us prior we bought something in bulk and paid three charges of over XXXX $ for a specific need, however they had continued to charge us an unauthorized fee monthly for {$49.00} with no services requested starting XX/XX/year>, and continued in XXXX at {$49.00} and again XXXX XXXX XXXX  at {$49.00}. those charges seemed to stop after the dispute however my funds were never returned totaling {$140.00}. {$470.00} After the disputes i went on and paid for the purchases I authorized while waiting the period thru the disputes which they failed me as a consumer to investigate and handle properly. especially allowing for new charges to come onto my account when I'm disputing these companies. the failed to do a proper investigation and communicate with myself findings or even stopping them from charging me more. I don't not pay my credit cards my credit speaks for itself. however, I will not work hard to pay for anything I don't use or I haven't authorized. i choose larger companies to keep my business with for better protection from the world we live in today with scams and such on a rise.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (NC)

I am writing to urgently escalate a matter previously addressed in complaints filed on XX/XX/year> ( CFPB Ref No : XXXX ), and XX/XX/year> ( CFPB Ref No : XXXX ), concerning American Expresss incorrect reporting of a business credit card to my personal credit report. 

Despite multiple correspondences and complaint filings, American Express has yet to provide a satisfactory explanation or adequate documentation that justifies the reporting of the XXXX XXXX XXXX ending in XXXX as a personal liability. The responses from American Express, including the most recent dated XX/XX/year>, have failed to address my specific concerns about the absence of a personal guarantee. Notably, after XXXX XXXX initial response in XX/XX/year>, where they did not validate the account as a personal obligation, the account was removed from my personal credit report, only to resurface recently, contradicting the previous resolution. 

Additionally, this account never reported to my personal credit while it was current. It only appeared on my personal credit report after the business defaulted on the payment, which was later paid in full. The business associated with this card has fully paid the owed amount. Despite this, the account is erroneously being reported as a charge-off on my personal credit report. 

The re-emergence of this account and its incorrect status on my personal credit files is perplexing and alarming, especially since the documentation provided, including statements and a copy of the application information, does not constitute a binding personal agreement or evidence of a personal guarantee on my part. As the card was signed and used strictly in my capacity as a XXXX XXXXXXXX of XXXX XXXX, and no personal guarantee was signed, it is inappropriate and erroneous to report this business debt on my personal credit files. 

Furthermore, American Express has failed to validate this account properly, violating the Fair Credit Reporting Act ( FCRA ) multiple times. In their validation attempts, they merely sent statements, which do not prove that I personally guaranteed the account. This alone is sufficient reason for the immediate removal of this account from my personal credit report.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (IL)

Ive been a checking/savings customer with USBank for more than 20 years and ALWAYS had a savings account. It was a no minimum account with some funds in it. I wont lie just before COVID I had one of a very few overdrafts that the bank decided to take the funds from my savings. This over draft did not exceed XXXX hours. Since I didnt agree to have them take from my savings I asked for them to transfer the money back. They refused and closed my savings account. Since Ive re-applied twice without success. The practices of banks are sinister. I only make XXXX a year with no way to save a few dollars at the bank I have my money with for convenience. Im so angry and perplexed that banks can literally stop you from saving money! How is this a free country?
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (LA)

CAINE & WEINER put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that CAINE & WEINER verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If CAINE & WEINER is unable to provide the above identifying account information, this account must be deleted from all CRAs. CAINE & WEINER also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2024-01-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MN)

My daughter XXXX XXXX has three student loans in repayment. I am a cosigner making her payments. XXXX XXXX but is currently in an internship sponsored by XXXX. We submitted a letter from XXXX explaining the internship runs from last fall to XXXX XXXX XXXX We submitted this letter to Sallie Mae together with a request for a forbearance. Sallie Mae declined, indicating the investor was not offering any assistance. Failure to offer a forbearance while students are still in school trying to further their education is not industry standard and is not what we were advised at the time we took out the loans. Such actions are unfair and deceptive. Moreover, the loans border on being usurious with rates as high as 15.75 %. I would appreciate it if Bureau would investigate Sallie Mae and its investors to prevent such unfair actions in the future as well as ask Sallie Mae to grant us the forbearance and refund payments responsibly made since last XXXX.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied online for a secured credit card with Navy Federal Credit Union on XXXX. On XXXX, during a telephone call, a Navy Federal Representative told me that I was approved for the credit card between/ around XXXXXXXX XXXX to XXXXXXXX XXXX pacific standard time. Later during the XXXX of XXXX, I discovered an email in my inbox from Navy Federal that stated I was not approved for the credit card ; upon discovering this, I called Navy Federal to address this issue and spoke with a manager, the call was nearly 30 minutes and was not resolved ; the manager did not take the time to throughly listen to the phone call, she indicated that there were other customers that she needed to assist ; I expressed my level of dissatisfaction to her ; still no resolution. I called Navy Federal again this XXXX  XXXX and was pretty much told the same thing - there are other customers that they need to assist - again, I expressed my dissatisfaction because Navy Federal failed to look into this. I don't appreciate them moving this to the bottom of the list - my already weak credit score is now going to be negatively impacted because of this adverse action/negative inquiry. I disappointed that Navy Federal told me that I was approved over the telephone, then sent an email stating otherwise. They don't seem to care enough about this issue and that is why I am reporting this matter to the CFPB.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX Listed and incorrect account balance incorrect dates. The account is listed as open when they account is indeed close and the account is also listed as a charge off. 
This account is paid in full. See supporting documents.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PLS GROUP, INC (CA)

XX/XX/XXXX I transfered {$250.00} and another {$100.00} to pls expectations card but the funds never showed in the account. The transfer is automatic, and I have no way to overdraw the account. Only a few can overdraw it. I called pls. They stated that the funds couldn't be disputed as they were not a charge. I asked to be sent a statement and received one.The evidence is clear. They show the funds as a charge of an ATM withdrawal the day before I transfered it to the account, not possible. They also locked my card and refuse to follow through with reactivating it. The statement emailed to me has been falsified by pls. I also have the recording of the recent transactions verification while calling pls.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VA)

I logged on my XXXX to see that owed a debt of XXXX to XXXX. It did not have any details on it i tried contacting XXXX regarding the inquiry but that was no success i do not have any active account with XXXX regarding this.
Consumer complaint received 2023-07-03
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. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6900.00}
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

I got the Loan in 2021 and didnt know that the interest would mean that I never would pay off unless I pay more than the interest. Its about {$200.00} and has increased because the balance is increasing. My loan was about {$6000.00} so Ive paid about the amount of the loan in interest but I still own {$4000.00} because it was only the interest.
Consumer complaint received 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received XXXX {$100.00} and XXXX {$500.00} American Express Gift Cards for the holidays.I have relentlessly trying to use them at least XXXX - XXXX in person and online retailers, every time the {$100.00} Gift Cards get declined. The {$500.00} gift card gets declined most of the time, but I am unable to use the remaining balance. I have reached out to XXXX multiple times. There has been no resolution. I am owe a total of {$490.00} ( {$300.00} in XXXX {$100.00} gift cards and {$190.00} in the remaining balance of the {$500.00} Gift Card.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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  Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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.