davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account with Bank of America in 2017. At the time, I believed I was engaged to marry a man who was then out of town working on a job. He had a " friend '' of his deposit a check for just over {$36000.00} into my account to " cover the vast amount that I had sent him whil he was out of town and then to send him a " little spending money ''. I, of course, did not have {$36000.00} in my account to cover this check, so Bank of America called to confirm the funds. The originating bank called the maker fof the check, who not only said that he did not authorize the check, but that I must have created the check and then tried to pass it through my account, OF COURSE, I DID NEITHER OF THESE THINGS. For months I tried to get from Bank of America the address and person to send what really happened, because now I was unable to open XXXX banking account anywhere. For MONTHS, I got different Answers and NONE were right. Finally, I was given an address in Florida and ended up sending the letter THREE TIMES, only to find out that once again, I had been lied to and that the matter was handled both by XXXX and some Company called XXXX XXXX XXXX. By the time i received this information, I had been contacted by a Special Agent with the XXXX Department. It seemed that my " fiance ' '' was a very well known scammer who they have been trying to catch for a very long time. I sent all the information, along with the Special Agent 's name and contact information and their file number. I have sent this information to XXXX and XXXX XXXX Systems, but XXXX personnel tell me that even if you have sufficient supporting information, they are not in the habit of " admitting they might have made a mistake ''. I am well aware of this after having my wallet stolen and my Target card used with my DL, which was in my wallet, sending the same letter and supporting documentation to them FIVE times and they STILL refuse to take it off! Now, here I am having been scammed by the best of the best out there, I've been fighting for two years just to get the truth out of a bank on where to object to their decision, only to find out that the decision, apparently is in the hands of a company with an ego bigger than XXXX 's, Do you think that I am going to get a fair decision? Do you think that I will ever be able to have a checking account again? Do you have any idea how many of these scammers are out there and we are shut down because of their illegal activities???? Are you willing to help me?? I have been cooperating with the XXXX Department and have been told that the information I have provided has been invaluable, but that does not secure me a checking account!!
Consumer complaint received 2017-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. (CA)

This complaint is a concern with using my Google Wallet in concert with a prepaid XXXX debit card. I have a XXXX debit card that is registered to my name and address. I want to pay a friend of mine {$50.00} from this debit card. However, when I try to add this card to Google Wallet to pay my friend, and click " Save '', I receive an error message : " Unable to complete transaction : prepaid cards ca n't be used ''. This error occurs solely based on the card number ( probably the XXXX ) ; it does not appear that Google Wallet/Google Payments attempts to process a charge on the card. I tried this as recently as XXXX XXXX, 2017. XXXX 's regulations require that all payment processors honor all types of XXXX cards, including debit cards. Nothing in Google Payments ' terms supports the premise that it can selectively discriminate. Therefore, this behavior is discriminatory and a violation of XXXX 's rules.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

This company is a scam. They have tried to add fees cost and other charges to the monthly billed. I have been paying by cashier check and having the post office send certified so the I have time and date. Your offices have not helped me in the past and I will start sending this daily if that will help keep someone look at this. Enclosed is the last payment and it was not late or not on time. This company then trys to report late to the credit bureaus. This information is wrong!
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

I referred a friend to apply for an Amex credit card on XX/XX/2019, through my Amex Gold referral link ( one of the three ways Amex provides for referral a friend ). I supposed to get XXXX Memebership Rewards after my friend got approval. He applied the XXXX XXXX card and got an instant approval [ Note that Amex now allows cross referral, that is, I can use gold card to refer other Amex cards ). However, after more than two months of waiting, and three long calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), they declined to give me the referral bonus, quoting " You are not following the email referral process '' and questioned that anyone can claim they referred someone, even if I pointed out to them who I referred and his approval date. 

More importantly, I clearly pointed out two critical facts as described below : - I shared the referral link with my friend, which is one of Amex 's official methods. [ referral through email is not the only way : they claim that I didn't follow the referral through email ]. 

- My friend clicked the shared referral link, and a window pop up stating that You are referred! [ My name ] has referred you for the XXXX XXXX American Express XXXX XXXX. Your friend will receive a referral bonus if you are approved. '' He clicked the continue button, and got instant approval. 

If as the representative described ( I stepped away from their referral process ), how come my friend can still see the above sentences? The sentences confirmed to my friend that I will get the bonus. In any case, if I stepped away from the referral process, my friend should not receive such information, as it is misleading and false information. 
My friend wouldn't have continued the application process, if the window didn't show up. 

I am so disappointed with Amex 's customer services, as the supervisor over the phone can't answer my questions regarding their arguments, but she still claim whatever she said.
Consumer complaint received 2021-09-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} Collection XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There was a collection on my account that was inaccurate and the company sent proper paperwork to have it removed but TransUnion has refused to update my account. I have payed many accounts to XXXX balance and reports and scores are not reflecting my current credit standing. I also have lots of old student loan accounts that were consolidated into XXXX accounts. The credit bureaus continue to reflect these accounts as open instead of closed. I have been diligent about cleaning up my credit but i need the credit bureas scores and reports to reflect my positive credit history.
Consumer complaint received 2022-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

On XX/XX/2021, I sent my regular mortgage payment thru my credit union by bill pay to Citizens One Bank. My credit union has verified that the money was sent, the bill pay company verified the money was sent, and Citizens One bank has verified the money was received. The problem lies in that Citizens One received the payment with additional principal of {$1400.00} was received but it was applied to the principal only. I pay {$650.00} for my mortgage payment and send in an additional amount of {$800.00} to be applied to the principal for a total of {$1400.00} every month. I make all my payments on or about the first of every month. I have called numerous times with a total on hold wait time, to speak to someone in customer service, of 11 ( eleven ) hours. Every time I call, I am automatically routed to collections and have to go through a lengthy verification process, just to be able to say " I want to speak to customer service ''. My good name, my credit score/history, and my good standing in the financial community are in jeopardy due to this situation. I am at my wits end, I simply want this rectified! I will provide any documentation requested.
Consumer complaint received 2019-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Access # XXXX I have noticed an unauthorized written check from a company for {$3000.00} against my account. I contacted my credit union with good faith, I let them know that I have done business with the company that processed the unauthorized check however not for that amount and the actual amount that the check was for actually had never been cashed. The rep suggested maybe the check I had given was altered, I said perhaps, I wasnt sure. Come to find out after my own investigation looking at check numbers in my check book against the amount of checks authorized to be cashed against my account, i have a missing check. My credit union continues to deny my claim after I have given them proper paperwork and affidavits. I am constantly trying to appeal and I am never allowed to speak with a case worker as I have also been told several times someone will contact me and thats never the case. No one has ever called to verbally speak with me.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NATIONAL BANK OF OMAHA (IL)

This complaint involves more than the original credit card company. 
I had credit life/XXXX insurance on this credit card, as I was XXXX. 
On XXXX XXXX, XXXX, I was XXXX. 
I contacted credit card company shortly after my diagnosis, due to a need for the credit life/XXXX insurance to go into effect. 
Upon receiving the necessary documentation for the insurance company, my physician filled out the documentation and sent it to the insurance company. Once the insurance went into effect, the credit card company did not bill the insurance company until after the due dates of monthly payments therefore, late fees were attached and interest rate skyrocketed. I tried many times to resolve the matter with both the credit card company and the insurance company by telephone, but each blamed the other for the misgivings on the account. When I asked for a manager from the credit card company to call me, in an effort to resolve issues with the account, I never received communication from a representative who could correct the misgivings with the account. 
The account was sold to a debt collecting company on XXXX XXXX, XXXX, who not only harassed me by phone, but who also sent a private investigator to my home on several occasions, who left notes in my mailbox, and would pound on the doors to my home. 
I acquired an attorney who represented me in the matter, the case was dismissed in court without prejudice, on XXXX XXXX, XXXX, but the debt collecting company has out sourced collection to another agency. The original debt collecting company continues to report this as an open account to credit bureaus.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX and I am writing this email to inform ___ about an incident involving myself and Wells Fargo. 

On XX/XX/2022, an individual with a cloned copy of my Wells Fargo debit card and PIN ( I have never lost possession of my debit card ) went to XXXX different XXXX locations in XXXX Texas and purchased money orders and gift cards totaling {$4600.00} all within XXXX hour. This person then went to Wells Fargo branch XXXX XXXX XXXX XXXX XXXX Tx and withdrew a total of {$2000.00} over XXXX ATM transactions. I've attached a list of these transactions to include each store location/amount/time/date. ( Document XXXX ) I reported these fraudulent transactions to XXXX Police Department and visited each XXXX store and Wells Fargo branch to see if I could locate video footage of these fraudulent purchases to assist with identifying the purchaser. ( Document XXXX ) I also went to this Wells Fargo branch location ( XXXX XXXX XXXX XXXX. ) and was told to contact fraud card claims because they couldnt give me any information without police involvement. 

I made a fraud report totaling {$6600.00} to Wells Fargo including the facts and police report and it was declined. I asked for a higher review and again the claim was denied. ( Document XXXX ) I went into a Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX TX XXXX and asked Associate XXXX XXXX to help me and call the fraud department and try to understand why my claim was denied. I asked how it was possible that {$2000.00} was withdrew from my account when I always had the limit set to about $ XXXX. How did my daily limit get increased? Why was my card not blocked after so many ATM transactions at the same time and same location? I was given NO answers from the Wells Fargo fraud department. 

The detective assigned to my case subpoenaed the video footage from Wells Fargo from these ATM transactions and she was denied the footage? ( Document XXXX ) I have been a Wells Fargo client for XXXX and I have been severely let down by this institution. None of this process has made sense to me, I suspect this claim was handled incorrectly.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXXXXXX XXXX XXXXXXXX should be present on my account Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XXXX XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (AZ)

Today XX/XX/2022 I contacted Midland Funding about a collection account on my credit reports. I do not believe this is my account. I asked to speak with a supervisor and was told there was not one available. All of sudden there was one available and he briefly spoke with me saying to the likes are you going to pay it or not and the best deal possible. He refused to answers my questions and frankly sent me back the consumer rep. They again attempted to get me to pay the debt. They did agree to open a dispute. This company is very rude, doesnt seem to fully understand the FDCA or the FCRA and frankly wont even obey by there own website promises. The CFBA has reached a massive legal agreement with them but that doesnt seem to change there behavior. They continue to carry on the same old ways and a complete disregard for the FDCA and FCRA.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WY)

XXXX XXXX Started the refinance process with Loan Depot Was told that because I had a mortgage through them already, the process would be fast.. 
Sent all documents through the portal and was told they were all received. 
XXXX XXXX No communication.. Emailed and he said to call him and he would have an update.. 
XX/XX/XXXX, XXXXSaid he had all information and couldn't believe the account manager hadn't been in touch.. 
XX/XX/XXXX Account manager told me she would call me in an hour - said almost done with the loan for closing. 
Had to send all items again ( third time ) through portal and directly to her. 
She said she received them again and there were sent to underwriter for review.. 
XXXX Same Sr. Manager asks for the same documents the 4th time.. 
she found my old ones, and again said my loan was underwritten and approved XXXX She said she had requested payoff and she was shooting for friday for a closing.. 
XXXXemailed again, and got this : recieved the payoff and have requested the hud/alta statement with the final numbers I will have this tomorrow and will call and discuss closing. 
XXXX She said she would call in an hour to go over the loan .. 

Never heard another word.. 
XXXX New Account manager- Sent paper work again ...

Got to the end, and they said they couldn't do it as I had 2 over 30 day late and 1 over 60. 

I have never been late on a mortgage payment in my life and never would have been if this process would have gone as they said. There was no communication about the numbers changing on my loan even though i had paid payments.. Also called each time I was to close and was told that as long as it closes when they said I should be fine. The dates came and went and I made up the payment. This has been such a farce.. At no time did they tell me that my late payments would be going to my credit. Or of course I would have paid them. Each time I was waiting to close on my loan which each time was imminent. No it shows on my credit and I can't refinance ... XXXX town!! 

I have all the emails talked about ... 
And there were 2 different refinance loan numbers Loan # XXXX Wont let me upload my documents saved from emails..
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The CBE Group, Inc. (MI)

I had to take out a XXXX loan in XXXX for approx {$4500.00} due to house flooding. I paid on the loan until around XXXX. Until I suffered hardships. CBE group is now garnishing 15 % of my paycheck and demanding {$4300.00}.! 
Ive already paid out approx {$2500.00} since XX/XX/XXXX. I just want some relief. 
Thank you