davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I opened an American express Delta Sky miles credit card in XX/XX/XXXX with a promotional offer of XXXX bonus miles. When I applied I did not receive any pop up message that said I would not qualify. I applied and received the card, I then proceeded to follow the rules in order to obtain the bonus miles. I charged over XXXX XXXXXXXX within the first 60 days, actually it was probably less than that. 
I called AMEX in XXXX asking when I would receive my bonus miles, I was advised by XXXX on XXXX @ XXXX that I didnt qualify and I would not be getting the points. She opened up a dispute case for # XXXX. I called XX/XX/XXXX and spoke to XXXX who told me that I DID qualify and that I should be seeing the points at the latest XXXX. 
I called in on XX/XX/XXXX and spoke to XXXX who looked at the dispute case and advised me that it was closed and it just stated that I didnt qualify. So he opened a new case for # XXXX and advised me to call back in 3 weeks for a status. I called XX/XX/XXXX and talked to XXXX who said there was no decision yet and would have a 2nd level manager call me back. Well that never happened so I had to call in yet again on XX/XX/XXXX and talked to XXXX. He looked into the complaint case and told me that the case was closed as I didnt qualify. NOT during any call as ANYONE been able to tell me EXACTLY why I didnt qualify for the bonus points. I requested a Supervisor so he transferred me to a XXXX. This guy spoke like he was reading from a manual and could care less about my concerns. You could tell he didnt care at all. Again he could not tell me why I didnt qualify! 
My husband and I have been customer with AMEX for over 25 years. 
I think its false advertisement how amex offered the bonus points and now say I dont get them but cant tell me why. I see XXXX XXXX XXXXXXXX just had a very large fine from the CFBP for doing this some thing! 
If you would like to speak with me I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NV)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. We have been told as of XX/XX/XXXX they are in receipt of the QWR and have not responded - We will not be allowed enough time to review the information being provided via our QWR request without the sale being postponed for this response to be received and reviewed adequately.
Consumer complaint received 2023-03-02
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: National Auto Lenders, Inc. (GA)

XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXXXXXX, have violated my rights. 

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 XXXX 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 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. They once again erroneously froze my joint account and took mine and my wife 's funds out, all of her funds due to some alleged garnishment in Virginia. 

Even if the garnishment was legal, in Florida, the most theyre allowed to take is up to 25 percent of the salary, but the truth is, she is also the sole provider for the child so they cant take anything!

What gives them the right to take all my wifes money and my money out of our joint account????? Theyre not allowed to take more than 25 percent, and since she's the sole provider for the child they aren't allowed to take ANYTHING under the Florida law.

The same thing happened last year and TD Bank apologized and released the funds. Apparently theyre doing the same exact thing again this year because they failed to train their employees on this issue! They froze my wife 's funds, took her checks. My wife 's accounts were suddenly put into XXXX, including my joint account that I have with her and its frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! What is this based on? And what gives them the right to freeze our joint accoint and hit us with {$150.00} in fees? And what makes this even worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money! 

I don't know or understand why TD Bank is doing this when they even admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment. TD Bank once again refuses to put any of this in writing, they dont know what theyre doing and cant answer simple questions, which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The XXXX department needs to be trained better and TD Bank knows better.
Consumer complaint received 2023-05-15
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. (GA)

XXXX, Equifax and XXXX continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/2023.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have called Mr Cooper with XXXX at least four times because an {$1100.00} payment I made on XX/XX/17 keeps being placed on principle instead of the monthly payment. So far, the {$1100.00} I paid XXXX is still in unapplied funds. Agents keep changing the principle to Unapplied Funds but it keeps reverting back to principle. This is highly distressing because of the prospective consequences of delinquent payments. I should not have to monitor my transactions daily when I am doing my part. I have considered legal action because I have never had this issue with another lender.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prince Parker & Associates (NV)

The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt.

Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

To whom it may concern, I purchased a vehicle through XXXX and financed the vehicle through Ally financial on XXXX XXXX. I was involved in a not at fault on XXXX XXXX and the vehicle was deemed a total loss. The insurance company requested a payoff balance and promptly remitted payment on XX/XX/XXXX for XXXX and additional payment for {$770.00} on XX/XX/XXXX. My account has a XXXX balance but yet I am showing conflicting information in the Ally portal where it shows {$0.00} payment due. Then when I review all payment details it shows a balance of XXXX which is reporting to my credit report as late every since XXXX of XXXX. I am requesting that they close this account and remove all incorrect information from my credit report as these late payments and amount due are preventing me from securing housing. I have attached copies of my original loan documents, pay off letter from insurance carrier and proof of payments posted with Ally showing I did opt for GAP coverage which would have taken care of any additional outstanding balance. ( never received refund for unused premium ).
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



Please remove -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account has been closed for a year now. 
And the bank didnt send me my remaining balance. They keep sending me my bank statement every month, and this year I realize that they tried to take money out of the account even though they said its closed. I had to give them a call so that they can put back the money they charged into the account. 
They locked the account without justifications and no proof of fraudulent activity
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was scammed on XXXX trying to buy concert tickets and had done the transaction through XXXX on XX/XX/22. The total amount was {$460.00}. I contacted Bank of America immediately to inform them about the whole situation, and they have collected my information and created a claim in order to retrieve my funds back. However, a few months later on XX/XX/22, they have notified me that they were unable to retrieve my funds back and have closed the case, and they have not asked me any more questions to prove that I have been scammed. I have saved screenshots from my conversation with the scammer, which could be used as proof that I've been scammed.
Consumer complaint received 2024-04-22
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 (FL)

For the past 60days I have attempted to dispute multiple times a charge that appears on my credit card. I have submitted hard evidence that I do not owe the amount in question and the merchant has not showed any evidence that I owe the funds requested. They had asked for multiple items including hotel name, dates of stay, cancellation policy, type of room, etc I have supplied everything they had requested in their rebuttal and my dispute keeps greeting closed and I keep having to reopen it as no one is actually looking at the hard evidence of what I sent in. The merchant is clearly violating AMEX policy and federal and state laws with their false and misleading false advertising guarantees they promise ( low price guarantee )
Consumer complaint received 2022-11-23
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. (OH)

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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Balance : {$12000.00}. 


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 2023-01-10
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: ACIMA CREDIT, LLC (AL)

XXXX ( ( collections ) XXXX - Ive called several times just to hear different stories. & & for a mistake they made the only thing they can say is sorry we dont report to XXXX anymore!
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX HAS INSTRUCTED A 3RD PARTY TO PUBLISH A DEBT THAT IS NOT LEGALLY OWED. This is a Violation of the FDCPA and contempt of Court of the Federal BK Discharge. That XXXX has instructed a 3rd Party to POST ONTO MY DOOR THAT I OWED MONEY OF {$650000.00} when I do not. They have caused to tarnish my reputation, Cause Slander to my Title and this is libelous. They had instructed an Auction Company named as Quality Loan Servicing to Publish this Debt as owed - They instructed XXXX as Attorney 's to Publish a Debt that they knew was no longer considered as owed given the discharge. Then on top of this - during a work out request had wrong figures from prior - during an open dispute acknowledged the dispute ; moved to set a Sale Date by Posting NEW FIGURES AS CLAIMED AS OWED. This is not true this is illegal collection practices. There is an open CFPB Complaint at this time on XXXX for having not credited principal payments made prior to this entire fiasco with XXXX. XXXX has an open dispute since XX/XX/2017 and however during this open dispute since prior to this date - XXXX went behind my back to file a Sale Date AND POST AND PUBLISH FIGURES THAT I DO NOT LEGALLY OWE AND WRONG FIGURES from priorly been claimed pre-bk. That this is tarnishing my reputation and against the FDCPA given that IF they are claiming a power of Sale then they can not make up numbers being owed that are not owed. They can not claim ANY Debt is owed and Can not continue to harm me in this false and illegal claim that violates the discharged figures. This is absolutely causing harm to my well being and has caused immense harm. The unfair business practices are non stop. XXXX failed to provide my mailing to the 3rd party so that this caused the posting to be published in a XXXX page separately posted to further cause embarrassment and ridicule. Posting a Sale and making False Claims. This caused the 3rd party to PUBLISH INTO THE XXXX NEWSPAPER THAT EXACTLY WHERE MY CLIENTS ARE LOCATED. THIS IS RUINING MY BUSINESS PROSPECTS AND FURTHER PUBLISHING A DEBT CLEARLY NOT OWED. 
This firm has been non stop burying me in paperwork. IN the meantime - The Debt being published claims I owe : {$650000.00} when I dont legally owe this. This is Illegal to publish this as a debt owed. These are slanderous and libelous acts to cause harassment. Their has been no good faith efforts by XXXX NOR XXXX. This has been extensively cruel, abusive and illegal. The facts remain that this shoddy servicing has only caused harm to my property, my property rights, interfered with income and reputation on every scale. During an open review they posted and published this and have continued to act in deceptive ways to cause me harm to my well being.
Consumer complaint received 2023-03-01
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. (CA)

This is my follow-up 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 items 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SETTLEMENT XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX SETTLEMENT O XX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

On XX/XX/2022 I sent Cane & Weiner collection agency a cease and desist later since they were trying to collect a debt XXXX through XXXX. I they didnt provide me with an original contract and they are violating the Fair Credit Act. I am liable for this debt and will not do business with them. They must delete this collection account from my credit report immediately.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX I asked for my new XXXX XXXX XXXX XXXX XXXX last four account numbers XXXX to pay {$5000.00} to my Barclays XXXX XXXX account last four account numbers XXXX. The check # XXXX was sent and cashed XX/XX/XXXX. Several calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been made to Barclays to find the check and have it recorded to the account. I was told that the issue was to be taken care of XX/XX/XXXX and would be called to verify this. I was given a case number XXXX and on another call to Barclays was told there was no case number. Today XX/XX/XXXX I was told by XXXX the customer supervisor that this issue was again going to take two billing cycles to remedy and no one else could help me. I would like to have the check credited to my account asap. Please contact me at XXXX XXXX or email XXXX if you have any additional questions. I would appreciate any assistance in resolving this issue.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024 my account was restricted abruptly for no reason, but chase claim fraudulent activity, I ask what fraudulent activity was seen for them to close the account they did not have a answer, upon the. Restricting my account I can not withdraw my funds or anything, they didnt even give me time to set up other financial institutions to receive my direct deposit that is due to come in 7 days, I have bills thats due in 7 days in they telling me I have to wait until they fully close the account and mail me a cashier check, all this with no reason as to why my account is being closed.