davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (ND)

Brinks sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I also tried to email them at their customer service email, but the it was 'not delivered/returned a few days later ', so I tried another email they had listed on their site, and had no luck with that. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen, etc ).
Consumer complaint received 2017-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX  Court Case of Bank of America vs.   XXXX   XXXX    Superior Court,   XXXX   County Compliant : Bank of America received a false money order cashed on my Bank of America Account number :  XXXX . AKA " MONEY MULE '' FRAUD. The money order was explained and proved to be in court a fraudulent money order, that I was the victim of a   XXXX   XXXX    Job and was given false instructions as a scam job victim. Being the victim of a scam job, and unaware I cashed the money order and was found to be responsible in court for the money order.
The judge ruled in favor of Bank of America, and gave them the judgement of my savings account in the amount of {$400.00} and a closure of my account. Until further notice. Stated I no longer owed them any money and that I would be able to establish an account at a later date.
I have not been able to reopen a account with Bank of America since  XX/XX/XXXX . As this is not correct as the representative in court stated that I would be able to reestablish a Bank of America account at a later date.
Recent situation : I have recorded my recent situation with Bank of America as this has occurred numerous times and I have found Bank of America fraudulent in their customer dealing and will not cooperate with the regulations of a banking institution.
I have contacted the Risk Department on numerous occasions.
The Bank of America staff have told me the Risk Department will close my account if established.
I have discussed with the Risk Department and   XXXX   XXXX  .
  XXXX   XXXX   has no record of Bank of America in their system ; meaning that account was not reported to   XXXX   XXXX   by Bank of America Corporate.
I have contacted the Risk Department for a letter of denial.
They have sent a letter of denial stating to re-contact them based on a appeal of the decision.
The Bank of America Risk Department has given me the direction to a " Marketing Override ''.
The Bank of America staff at the banking branch refuse to perform a " Marketing Override '' I have recently appeared at Bank of America Banking Branch   XXXX   XXXX   CA.
 XX/XX/XXXX . And this is how I was treated. I have uploads of the conversations and my check system report as e-discovery.
  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  US E-Discovery : -Risk Department Marketing Override Recording.
( call-channel1- XXXX   XXXX    ) -  XXXX   XXXX   Reports ( 5 ).
(   XXXX   XXXX   Report 1.pdf ) (   XXXX   XXXX   Report 2.pdf ) (   XXXX   XXXX   Report 3.pdf ) (   XXXX   XXXX   Report 4.pdf ) (   XXXX   XXXX   Report.pdf ) -Conversations with Bank of America Staff ( 6 ).
( Bank of America Representative 1.M4A ) ( Bank of America Representative.M4A ) ( Bank of America Supervisor 1.M4A ) ( Bank of America Supervisor 2.M4A ) ( Bank of America Supervisor 3.M4A ) ( Bank of America Supervisor.M4A )
Consumer complaint received 2017-09-08
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. (KY)

In XXXX / XXXX of 2017, myself and millions of other citizens played victim to the Equifax security breach. They 've not directly informed me of the breach and the potential for my identity to be stolen thanks to their negligent security practices. According to the Equifax Potential Impact site, I am listed as a potential victim, and have yet to have received any information from them regarding the breach or how to proceed from here so as not to be a victim of identity theft.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Other — 
Company: First National Collection Bureau, Inc. (CA)

Received demand for payment of " delinquent '' account that was assigned to First National Collection Bureau, In., from its client XXXX, with the alleged original creditor named as XXXX This debt is barred by the California Statute of Limitations of four ( 4 ) years and the creditor is seeking to collect on an invalid debt. This action constitutes a violation of state and federal law.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do notcontact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Consumer complaint received 2017-08-05
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: AMERICAN EXPRESS COMPANY (CA)

I opened a gold Amex business card and the mailer said that if I spent {$5000.00} in 3 months I would get   XXXX   points, and another   XXXX    points for spending another {$5000.00}. This makes a total of   XXXX    points for {$10000.00} spend. Amex admits ( several times on phone and live chat, screenshot attached ) that this offer was attached to my account, but denies I spent {$10000.00} ( once on chat they even agreed that I spent it, and opened a case but never gave me the points ). See statements attached, showing I spent more than the required amount.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

I used the equifax site to see if my wife and I were victims of their security breach. It said we both were. This means we are both victims of identity theft, therefore we should be able to place a freeze on both our accounts without paying the {$10.00} fee. However, they provide no option for this on their site. If I call their phone number there is no option to speak to anyone about credit freezes. It 's all automated. We 'll be forced to go ahead and pay the {$10.00} each since equifax chose to wait over a month to notify consumers. We ca n't gamble with waiting any longer. Also, due to the sneaky language about waiving your rights to trial by signing up in their free monitoring service, that is not an option we want to take. We should be entitled to a refund of this {$10.00} fee, each.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''. I would only find it fair that both parties are following the terms of agreements. I would ask that your company enforces any & all fairness to the reporting of my credit report companies including XXXX, XXXX, XXXX, XXXX & all other reporting companies.
Consumer complaint received 2017-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TN)

Capital Accounts has put a derogatory item on my XXXX credit report. I never received anything in the mail about this medical debt and I have had insuance for the past 10 years. As far as I know, I have no medical debt because I never received a bill in the mail nor have I received any phone calls. I filed a dispute with the Better Business Bureau and Capital Accounts responded with an illegible written " statement ''. The illegible statement also has the wrong address which would explain why I never received anything in the mail. Furthermore, I did not sign anything giving anyone permission to pass on my medical information and I definitely did not sign any contracts with Capital Accounts, so therefore I do not have a business relationship with them. So, they should not be reporting anything to my credit reports. In addition to that, the statement appears to show a balance of {$200.00}. However, they are reporting {$300.00}. So, my HIPPA rights have been violated in addition to the Fair Credit Reporting Act. HIPPA has been violated because personal medical information has been transmitted to a 3rd party without my consent. The Fair Credit Reporting Act has been violated because they are reporting a different amount than the statement they sent me and they are reporting an address different from the one that the original creditor gave them. I have asked for documentation showing my signature agreeing to do business with Capital Accounts and they have not been able to produce anything. Capital Accounts needs to remove this collection from my credit reports immediately.
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

American express gift cards. My wife has about {$3000.00} in XXXX XXXX gift cards from being in a XXXX XXXX company for being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cards are almost impossible to use. Tthe XXXX company is impossible to talk to [ XXXX ] or text/email to. The print on cards is too small to read. Just XXXX XXXX XXXX fraud.
Consumer complaint received 2017-09-08
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. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-08-06
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: AMERICAN EXPRESS COMPANY (ND)

I was promised XXXX miles on Delta skymiles credit card by American Express if I spent {$1000.00} within a month of subscribing for the card. I spent more than that and per their criteria I qualified ( which their customer service representatives also acknowledged ) but I never received the miles. Now it has been almost four months since I opened that card and I still have not received the promoted miles. I contacted their customer service representative and they said they do not know why that is, but they said they filed a complaint/ investigation. I have contacted them three times at least several weeks apart and I still get the same answer. Now they tell me they " updated '' the complaint and that I should wait 6-8 weeks!! That was per a supervisor! I feel that they are trying to procrastinate until I forget the topic.
Consumer complaint received 2017-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I filed complaint # XXXX with CFPB regarding my HELOC serviced by XXXX XXXX XXXX They acquired the loan from Bank of America and serviced it for almost ten years The loan is resetting to a payment just about double my current my payment which I can barely afford now.
XXXX never reached out to me as recommend by the OCC, about a loan modification I may be eligible for. They knew the hardship I was going through, XXXX and on fixed income at 1/2 my salary when I took out the loan I am awaiting a response to my complaint when I received a letter from XXXX that they gave my loan back to Bank of America. This transfer should not cancel my current CFPB complaint but going forward the new lender should now respond to CFPB as to why my loan modification never happened or is under immediate consideration as this has been going on long time Either way Bank of America is now responsible and I need to know why I have been so mistreated by these lenders. I am struggling to make payments, borrowing from others.
Consumer complaint received 2017-08-07
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. (GA)

This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.
Consumer complaint received 2017-08-05
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. (OK)

On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (  XXXX  ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given   XXXX   the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by  XXXX  or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Consumer complaint received 2017-09-08
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. (PA)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. This occurred at some point fromXX/XX/XXXX with the news being broken on XXXX XXXX, XXXX. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. 

As of XXXX XXXX, XXXX ( when I last had my own free credit report generated by all 3 credit bureaus ), my personal line of credit and identity do not appear to be compromised. However, if the hack occurred within the last few months, the sensitive information will likely be sold to identity thieves and used some months after the incident. 

Equifax, up until this point, has only offered to have customers run their last names and last 6 digits of their social security numbers through a web page on their website to determine if the customer has been impacted. According to Equifax 's website, I was impacted by the hack. They are offering credit monitoring, which I am denying, because I do not believe they can provide quality service in a secure fashion in any agreeable manner. 

Thus far, I created a fraud alert through XXXX XXXX website for the next 90 days, and will continue to reactivate that fraud alert for the foreseeable future once the alert expires. In addition to that, I am paying money out of my own pocket to protect my information from being used to open lines of credit. I am creating a credit freeze with all 3 credit bureaus after filing this complaint.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (OH)

I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a PLAZA SERVICES There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Consumer complaint received 2017-08-07
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: Experian Information Solutions Inc. (CA)

In response to Experian " Report '' number : XXXX, I disagree with Experian 's handling of my request and do not believe that Experian is abiding by California and Federal law.
Specifically, Experian is wrongly requesting, " one copy of a utility bill, bank or insurance statement, etc '', however, this is not a requirement on California law. Furthermore, I do not have a bank account, utility bill, or insurance statement because I have been effectively locked out of the financial system based off false information on my credit report.
In response to Experian 's request for a government issued identification card, attached is a picture of my passport. However, this was previously provided to Experian so I am uncertain why Experian is requesting this document again. It is not very consumer friendly.
In relation to the requests for identification information, please see the below : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA. ( If there are other addresses on my file, these should be removed, my address for the past 6 years has been XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA ).
Furthermore, Experian should actually investigate my dispute, because despite the statements provided by Experian, I have given adequate information to request Experian verify the validity of the debt. Specifically, I previously stated that a record being reported by " XXXX XXXX XXXX '' for an amount of " {$360.00} '' is unrecognized and likely not valid because attempts to contact the reporting company " XXXX XXXX XXXX '' has resulted in no response. Indeed, " XXXX XXXX XXXX '' has refused to respond to any of my dispute letters or concerns and for months refused to provide any valid verification of debt.
Therefore, because XXXX XXXX XXXX can not provide a valid verification of debt, Experian should remove this information or conduct its own investigation into the record. Failure to do so would be a violation of State and Federal laws.