davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit card or prepaid 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: First Technology Federal Credit Union (MA)

I purchased a camera package online using my master card issued by the First Tech Credit Union. however the merchant used bait and switch technique and increased the price of the promised item after the purchase. When I received the item, it didn't seem to be genuine as the packaging was not original and the items were in opened boxes. I tried to reach out to the merchant serval times to cancel the order prior to it was shipped they didn't respond to my phone calls or emails. 

I contacted First Tech Credit union customer service on XX/XX/2021 to initiate a dispute for the credit card charge. I received a letter from First Tech Disputes team to request additional details regarding the purchase. The same letter advised me to ship the items back to the merchant. 

In the mean time, I tried to work with the merchant and returned the item back them. The merchant agreed to refund my money once they received the item. The merchant told me that they advised first tech to refund my money. 

I provided this proof to the bank along with email chain that I had with merchant. To my surprise, I received a notice from First Tech denying my claim with no specific reason. When I initiated this dispute, first tech sent out a letter to the merchant saying not to issue a credit to me and notifying them that the amount has been deducted from their account.

The merchant is denying to issue a credit citing the letter from First Tech. I have been trying to contact First Tech to issue the letter but was given different information the each time I called. They finally refused to issue any such letter today. I believe this bank has misled me throughout the process and caused me a lot of grief and stress.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has twice allowed a thief to change information on my accounts, necessitating my spending countless hours over XXXX months, primarily due to their evident inability to secure a Preferred Clients account. As a result my account was frozen until I was able to come into a branch and provide proper identification. That alone took XXXX XXXX hours. Yet that same week, on XXXX XXXX the thief was back manipulating Bank of Americas astoundingly ill trained personnel. This despite mountains of notes on my account regarding security, SMS confirmation and verbal passwords. To add insult to injury I had to leave my family alone as I spent my XXXX XXXX speaking to several Bank of America. employees. Then again on XXXX XXXX. I could not believe how absolutely incompetent Bank of America had been, considering that their core business is to keep its clients accounts safe. 
Only after I submitted a complaint with CFPB dis I get a response from Bank of America. In both in this instance as well as in XXXX ( pre-frozen account period ) it was merely to have a perfunctory and non-communicative branch called XXXX XXXX to allegedly discuss my complaints. In both cases their Resolution Specialists XXXX XXXX XXXX and most recently XXXX XXXX XXXX contacted me with an artificial deadline. I responded to both via email and via telephone. I never heard back from XXXX and have been waiting several days to hear back from XXXX. The latter contacted me in the final hours of XXXX. While a colleague XXXX XXXX from Bank of Americas Regulatory Compliance Department actually called me on Saturday XX/XX/XXXX. Nothing was resolved in XXXX and there is no indication that this Regulatory Compliance Department will make amends for the chaos that theyve allowed. As they are clearly trying to run the clock out, apparently in hopes that the issue will vanish. 
Bank of Americas inability to fulfill these fundamentals leads to compromising the security of Bank of Americas consumer business clients, which is at the core of this division of Bank of America. 
Considering Bank of Americas complete failure at their core functions, perhaps they should consider divesting from consumer banking. Given their evident lack of interest and laughably inept personnel facing their clients.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AZ)

I got a new phone number through my phone carrier, and for months now since XXXX of 2021 I keep receiving calls and voicemails from the past owner of my phone number ( Her name from these voicemails was XXXX XXXX XXXX or something I cant make out from the voicemail ). XXXX XXXX recycles phone numbers, so I had received this one from her. I have no idea who this woman is. 

Please please help me to make these calls stop. I keep on having to report these calls and scams/fraud. I even had to change my phone settings. Last month alone I had 337 unwanted calls received.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. PFC USA has several accounts listed on my credit Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2022-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A hard inquiry was made by Bank of America on XX/XX/2022 that was not requested by me and it is now showing on my credit report. The bank said that no card was issued so that they couldn't doing anything else on their end and suggested I work with the credit reporting agency. I am working with the credit reporting agency to get the inquiry removed but they said I would need a confirmation that I have filed a formal complaint with the government in order to ensure that this gets resolved.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are unauthorized inquiries on my Transunion consumer report. I've reached out to Transunion regarding this matter with no resolve. My consumer right have been violated.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (FL)

First of all, I have three companies ( Monterey financial services, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but Monterey financial services have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is Monterey financial services. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXXt but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who Monterey financial is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to Monterey financial and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I stopped receiving notifications from Capital One via email as well as on the XXXX app. The app was also deleted from my phone, so I was not receiving notifications. I did NOT delete the app. I did not know a payment was dude, plus I keep a very low balance on that card. Typically less than {$65.00}. 

I have never missed a payment, ever. 

I spoke to an agent at Capital One : Name : XXXX - ID XXXX Date : XX/XX/22 Time : XXXX I am in good standing with a XXXX balance. 

Please do a one-time good will gesture to remove the late payment reporting. 

The negative item is preventing me from getting a home loan. My credit is in excellent standing otherwise. This one small missed payment caused by the lack of notifications is affecting my credit negatively. 

Thank you so much. 

XXXX XXXX
Consumer complaint received 2022-03-30
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX -has violated my rights XXXX XXXX XXXX  acct # XXXX -has violated my rights XXXX XXXX XXXX acct # XXXX -has violated my rights XXXX XXXX  XXXX act # XXXX -has 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 an account without my written consent.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

I attempted to contact Equifax to unfreeze my credit report as I could find no place on the company 's website to accomplish this. Unfortunately, the online prompts through the telephone did not allow me to unfreeze my credit report. 

I requested to speak to an agent and kept getting redirected via voice prompts. Finally, I was able to get to an option to speak to a representative. Again, unfortunately, I remained on hold to speak to an agent for over 40 minutes. I finally gave up and ended the call without speaking to anyone or getting an answer to my request regarding a credit freeze.. 

Given the outsized importance of the credit bureaus, it is vital that they make it simple for consumers to contact them and resolve issues/ get answers to basic questions. Instead, Equifax 's website and its voice system make it extremely difficult to find information and get assistance with basic questions.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I submitted a complaint with cfpb on XXXX ; complaint ID number XXXX. 

It is against XXXX XXXX  XXXX. This case was closed in my favor and XXXX stated it will be removed from all credit tradelines. Today XXXX I received notification that XXXX XXXX XXXX reported me for collection on my Experian report. 

I would like this removed immediately!
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NC)

I applied for a US Bank Credit card because they had an introductory offer of 50,000 points ( {$500.00} ) if you spend {$1500.00} in the first 120 days. 

I applied and got the card- but they only gave me a {$500.00} dollar credit limit so I can't take advantage of the offer! 

I have a XXXX Credit score, I make close to $ 100k / year and have had the same job for the last 10 years. I own my house and have basically {$0.00} debt. I also just closed $ 20k worth of credit lines, so the idea that they can't see fit to extend me a bigger line than {$500.00} seems ridiculous.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (FL)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct me credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IL)

{$600.00} of purchases from XXXX were bought on my XXXX card. But when I got a Pay Pal bill, via Synchronomy bank, I had also been charged by them. After a number of calls, a bank officer, very nice lady, called me and said they had foundf the mistake and would re-imburse me. She advised a cfredit of {$250.00} would appear on my next bill. I asked about the rest, and waas informed thesir company polic was {$250.00} max per reimbursment, but t hat t h e rest would be forthcoming. that was in XXXX. I have sent letters to e v ery address I discivered, and can't even get a call back or message of any sort. The amount may serem small, but I'm a partialy XXXX XXXX XXXX XXXX living on SS and a {$280.00} pension -- -it means a bit to me.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: OPORTUN FINANCIAL CORPORATION (CA)

XXXX credit pass complaint to XXXX and XXXX measure the act and report herein to remove Oportun credit inquiry, and XXXX XXXX XXXX assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (WA)

Fales personal information on my credit reports. 

Items that have been paid and/or charged off are not being reported to other credit bureaus. 

Have filed for identity theft in 2014.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Experian and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Consumer complaint received 2023-06-20
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: EQUIFAX, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) ( XXXX ) 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 2022-03-30
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022, I have received an email from XXXX stating that my Apple Card payment was due that day. I visited my XXXX app and clicked on the Apple Card. There I saw I have credits on my Card Balance showing exactly + {$120.00} on the left side of the screen, and on the right side for payment, it said precisely " Nothing to Pay '' and " You have nothing to pay right now. '' with a large checkmark on the bottom-right corner. On XX/XX/2022, I got another email from the same email address saying, " As of XX/XX/2022, your account is 2 day ( s ) past due. Your past due balance of {$34.00} is due immediately. ". Hence, I started a live chat via Messages app connected with an Apple Card specialist ; I explained I had credit in my Card Balance and got the emails, so I sent the screenshots and asked why my account was past due anyway? The first agent said it was late ; they were closing the chat and chat back by the next day, so until the next day on XX/XX/2022, I started chatting again and again with many agents, one of them said to pay {$34.00}, so I paid {$34.00} via chat, and I asked why that amount and I shouldn't be paying? The agent couldn't answer my question but instead said, " Have a great rest of your day. We're here if you need help with anything else in the future. '' chat disconnected. The following agent again disconnected, then the next one transferred me to the manager and finally recognized my issue. Hence, they " escalated '' the problem, and it takes 5-10 days for someone from the " Customer Advocacy team . '' to contact me, which I strongly doubt will happen. I've had this issue before ; they didn't do anything about it. The issue was I got credits in XXXX XXXX, then Apple Card still punishes me for past due on my account with possible late fees and interest charges if I did not pay. When a live agent doesn't know an answer, they don't treat me as a customer and easily disconnect the chat as a click without any help to transfer me to someone else who might know the answer. In general, Apple chat agents have been rude, and most of the time, they did not treat me as a customer while I spent thousands of dollars for their products and services. I do not know why I paid {$34.00} and what the {$34.00} is for even all Apple Card specialists and supervisors don't know.