davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

This collection amount of {$310.00} was erroneously placed on my credit report in XX/XX/2015 and I was unaware of it until I checked my credit recently. I was never sent any official notice of this debt and I did not incur it. It should not be in my credit file because it does not belong to me.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 re
port 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 2020-05-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NJ)

I applied for a {$58000.00} mortgage on a {$68000.00} low income property owned by XXXX in XXXX, Delaware, on XX/XX/XXXX ; XXXX XXXX a XXXX Agent referred me to M & T Bank - XXXX XXXX, XXXX. Given prior racist practices, this bank was sued and found to have violated the civil rights of minority applicants.As a result, it was required to post grants towards the purchase of low income homes - specifically, this Bank, upon certifying the approval of the mortgage for this unit, was required to post {$10000.00} towards the purchase, thus, reducing the purchase price to $ XXXX..We spoke 2 minutes ; he was to return my call Friday XX/XX/XXXX ; he failed to do so ; he thereafter failed to return several phone calls ; he failed to provide requested information re ; the requirements, conditions of the loan.He was made aware of my qualifications - XXXX Credit Score, No Debt, XXXX Income {$50000.00} ; confirmation of unit would be my primary residence.I was told that with the bank stipend of {$10000.00}, the closing costs I would need to pay would be $ XXXX.I informed him time is of the essence, that I am currently residing in XXXX XXXX, NJ at the Financial /Pandemic Ground Zero, that I had lost everything in XXXX due to Bank frauds, that this property represented a critical opportunity for me that I needed to seize upon.He could care less ; he's a racist this little fellow - I am a nobody, but he is a nobody as well, more importantly, he's on notice, this bank has already been taken to Federal Court and found to be racist.But no, this along with the fleecing of the public in XXXX apparently is not sufficient for this little racist manunderstand, he is going to jump to attention and render the same quality, XXXX on the Spot service he XXXX up to.After ten days of never hearing from this gibberish peddling, cocksure charlatan, I demanded to have another loan office assigned. This second arrogant. cocksure, ethically, intellectually challenged upstart - XXXX XXXX, the first Clown 's Colleague.She pronounced " you don't qualify for the loan? " What loan, what are the terms, with what amount of a down payment, with or without your {$10000.00} stipend, which loan, a fixed, arm, 5 15 or 30 year loan? Please provide an explanation, a term sheet setting forth federally mandated lending terms, conditions, lending guidelines, etc., etc,. etc., This Clowness responded : '' I don't understand what you mean, what documents, information are you referring to,,,? ' '' As I told you, you do not qualify for the loan. " On XX/XX/XXXX - Federal Taxes for XXXX were sent to this same Clowness - in repudiation of the fraudulent, malicious, per se illegal, unlawful intentional effort to deceive, mislead this MINORITY MORTGAGE APPLICANT, that he does not qualify for {$400.00} total housing cost, including HOA, taxes, P & I, when I in fact do.This is deliberate, intentional misconduct designed to deprive me the benefit of the {$10000.00} stipend.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WV)

Today, XX/XX/2023, I tried using my replacement Vanilla Visa card at a local store. I had previously filed a complaint that was resolved by the company sending me a replacement card the end of XXXX. I had checked the card balance to see if it was authorized to use the first of XXXX. Today when trying to use the card at a local XXXX, I found that the replacement card had a XXXX balance and when I called the company was told that the replacement card had two debits on XX/XX/2023, from XXXX XXXX in California. I have never been to Calif. Was told it would be another 45-90 days for the dispute to be investigated. I don't understand how the card can be used when I have the card in hand. Is there someone from within the company who is leaking or giving out card information? Why should I have to wait another 2-3 months for the company to see that I did not make the charges and send another card. I told the rep I wanted this resolved today but got nowhere. The {$100.00} was a gift. Some gift! Once was enough, but twice this has happened. I really don't want another card, just the {$100.00} that was a gift from my family. Thank you for any help you can give me. I appreciate your assistance.
Consumer complaint received 2023-03-17
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: CITIBANK, N.A. (NY)

I placed an order online with Best Buy on XX/XX/2022 for in-store delivery at their store location - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX with my citi-bank credit card. As stated in their pick-up policy, the customer is required to show an official ID and order info to be given their item. Best Buy authorized my item to be picked up by someone else - I was NOT the one who picked up the item. I was not aware of this until I checked my email and saw a notification from Best Buy that my item was picked up, but when I checked my order status online, it said it was returned and that I was refunded. I thought I missed the pickup deadline, and since I did not pick up my item, my order was reflected as refunded. 

When the charge was not refunded I filed a dispute with my credit card company, Citi-Bank , and an investigation was opened. It was discovered that the item was picked up and returned at a different location on the same day XX/XX/2022. They returned my original order and exchanged it for an item of similar price, a XXXX XXXX XXXX at the Best Buy location on XXXX XXXX XXXX, XXXX, NY XXXX. The transaction was logged at the price of XXXX, the price difference between the two items. I did not receive any notification of this transaction from Best Buy at the time it was placed. This order transaction did not appear on my best buy account until after I filed my dispute with Citi-Bank and they discovered the exchange. 

When I told Citi-Bank that I was not the one to make the exchange, they refunded me the original amount of XXXX and issued me a new card. They stated that an exchange should not have been able to be made with my card information if I was not present. I thought the issue was resolved, but the charge showed up again on my new card. When I called Citi-Bank , they said that it was misclassified as fraud when it should be considered a dispute. I keep getting a different representative each time who does not fully understand my case and is giving me different answers. I have contacted the merchant who tells me to contact Citi-Bank , and Citi-Bank tells me to contact the merchant. Neither has given me a clear answer or resolution. 

In conclusion, another person picked up my order and made an exchange with my information. I do NOT have a XXXX XXXX XXXX OR the TV I originally purchased. My order of a XXXX XXXX XXXX was stolen by another person and they were allowed to exchange it for a XXXX XXXX XXXX without a proper identity verification process. I should be refunded my original purchase of {$1400.00} as I am not responsible for the lack of security protocols in place that allowed another person to pick up my order and make an exchange with it.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

2 accounts for the same company were paid in full and closed are showing on all 3 credit bureaus as open and delinquent. I disputed online with all 3 bureaus and I also disputed via telephone with all 3 bureaus as well as sent in proof of payment on several occasions. The account was sold and I also disputed with the 3rd party. 

Both accounts were paid in full and closed on XX/XX/XXXX. 

These accounts were sold and placed in all 3 credit bureaus as negative and open on XX/XX/XXXX and XX/XX/XXXX and both are still showing on my reports which are affecting a home purchase by lowering my credit scores.
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (CA)

In XXXX I made an accidental payment for XXXX XXXX with a card that did not have the balance which the card was my cashapp. It went through and over drafted my account, so I called XXXX and asked them on the XX/XX/XXXX to refund the payment. On the XXXX XXXX refunded the payment so I called cash app to see what is going on. They told me I had to wait still so I waited a big longer. They first said XXXX  days, then when I contacted again, they told me XXXX days. Then when I tried to ask what is going on, they claim I need to show proof for my account and denied my claim. Atm, they refuse to talk to me and keep giving me the run around. I have provided proof, and they still refuse to help me which now it's causing distress in my life.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Usaa came by my home to audit a renters insurance claim and never read the police report but came in my home Deny everything I stated in the report with no proof whatsoever in an attempt to deny me due process. They claimed my window could not open and silly things like that. The person ( XXXX ) came in and then asked me for my cell phone text transcripts when it was not required to process my claim whatsoever. They have receipts, a police report, photos and instagram video footage of everything I claimed. They were more concerned about the items I did not claim which made it look like they were trying to build something on purpose discriminately. I want my claim to be treated with respect and to recover the items I reported and not be harassed for reporting it. He also lied on management and on the detectives and on my roomate in an effort trying to profile me and deny me my claim.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (PA)

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong CREDIT COLLECTION SERVICE company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CREDIT COLLECTION SERVICE knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (KY)

These people approved me for a XXXX XXXX card. Blocked my card instantly. Then sent me a letter saying my account was fraudulent. Without even trying to verify it wasn't. They said I reported it as fraud which is a lie. There customer service says reapply for the card and I do this then Im denied. With another hard pull to my credit report What a terrible company to deal with. I filled a dispute with XXXX XXXX. They said this has happened multiple times and they are looking into using other reputable credit companys to handle the financing. Good job td of making XXXX XXXX look bad. All I know is I applied for this card I received this card I was approved for this card. No fraud was any where in the picture. I never reported fraud. I looked like a fool in the XXXX XXXX store trying to make a purchase. Fix this issue or I will figure out some way to file a suit for discrimination.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (SC)

XXXX XXXX account XXXX XXXX XXXX XXXX This accounts i have disputed for 5 times now and nothing have been deleted. I have sent in a police report fraud package and ftc report which i already submitted like 4 times and still Equifax violates my credit laws.
Consumer complaint received 2023-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

I was contacted by a ( XXXX ) XXXX number claiming to be credence resource management claiming I owed almost 2000 XXXX for an ambulance used XX/XX/XXXX, XXXX almost three years ago. I left all of my information for the hospital to charge my insurance but chose not too. I was never contacted about this, I never received any written information about this. I was never even told I could dispute this debt. I dont have the funds to pay that right now. Please help me! Theyre calling me everyday!
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CT)

XX/XX/XXXX I opened a checking account with Citibank using a Member XXXX XXXX Checking Offer ( see attached confirmation email with terms and conditions ). 

XXXX & XX/XX/XXXX I fulfilled the requirements of the offer for XXXX XXXX XXXX See attached statements. 

XX/XX/XXXX I called Citi to confirm that I've met the terms of the offer and haven't received the miles. I was told that the miles would be deposited in my account by XX/XX/XXXX. See attached call log from XXXX. 

XX/XX/XXXX I called Citi again and was told an investigation would be opened and given reference number XXXX. 

XX/XX/XXXX I received a letter stating that Promotion Code XXXX ( a code that I have never seen before ) was not offered in conjunction with my account, and a request to " provide a copy of the Promotion Disclosure ''. See attached letter. 

XX/XX/XXXX I tried repeatedly via Citi Live Chat, XXXX, and several phone numbers to provide such Promotion Disclosure. No one was able to help and I was constantly transferred to different departments.
Consumer complaint received 2023-10-01
Product: Credit 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 (DC)

In XXXX of 2023 I applied for an Amex Delta SkyMiles Reserve Card due to a sign up bonus offer received. I was told that after spending {$5000.00} which I did I would be awarded XXXX Bonus Miles and XXXX XXXX XXXX. However, I only received XXXX bonus miles. After numerous phone callas to Amex and being told the situation would be investigated nothing was ever resolved. I also sent 2 complaint letters and filed a complaint with the XXXX XXXX XXXX and Amex still refuses to honor the agreement. I believe they are engaging in deceptive or misleading practices as well as False Advertising. I have the written offer and although I referenced this fact, they still are unwilling to honor the Bonus Offer made to me when I applied for this card. I am asking that they credit my account with the additional XXXX Bonus miles or pay/provide a credit of the equivalent dollar amount value for XXXX Bonus Miles which are calculated at XXXX cents per mile.
Consumer complaint received 2023-05-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Certified letter was sent on XX/XX/XXXX regarding a charged off as bad debt Purchased by another lender and also to the purchase lender that the am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws and that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. buy never received any response from no one but from from the original creditor. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (MI)

THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (MI)

THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.