davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XX/XX/2023, Bank of America sent me advertising for a 0 % interest XXXX credit card. I applied, got approved, did a balance transfer to another higher rate credit cards, and used it for some purchases. All went well and no purchases was charged interest. Just like all the other cards with 0 % interest that I have. 

In XX/XX/2023, Bank of America sent me another advertising, this time for a 0 % interest XXXX card with XXXX XXXX. They put me through the exact same application process and screens, I got approved, set up another balance transfer and started to use the new cards because it was 0 % interest just like the other cards they just sent me. 

Now, I got the bill from the XXXX card and they are charging me over 20 % interest on all the purchases I made. So, today, XX/XX/XXXX, I call customer support and they told me that they could not do anything about the misleading advertising and sequence of events in which they tricked me into thinking I was getting the same deal as the first XXXX card they offered me. So I asked to open a complaint and to give me a case number, they said there was no way to open any complaint that all they could do is write my concern in their notes and that the responsibility to read the contract, their fine prints and misleading financial jargons was on me. So I asked for the advertisement that they sent me with the huge 0 % rate on it to see if that had clearly explained that there would be charges for purchases and only the balance transfer was part of the promotion. They said they don't have any way to give that information and there is nothing else I could do to dispute those charges and that was all my fault for assuming that the previous card, with the exact same application process, was not the same promotion as the second card. 
So then, I started to record XXXX XXXX XXXX, who gave me these responses and asked him to repeat all of them, he did and then told me he could connect me with the marketing department, which I said yes please connect me with the marketing team, so he gave me a sarcastic good bye and put me on a automated system that had no options to talk to anyone in the marketing department and the call was disconnected. 

I have the recording available if you need. Your side does not allow for large files to be uploaded so I couldn't attach it here.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) THESE ARE THE INCORRECT ACCOUNTS US DEPARTMENT OF EDU XXXX XXXX Original creditor : XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sold my property in XXXX XXXX Texas. XXXX shows that there is no debt now. However TransUnion and XXXX have not recorded the payoff which was over 6 months ago
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO Bank, N.A. (WA)

I am experiencing issues with the release of insurance funds related to a water damage claim at my property. Despite providing all necessary documentation and justification, my mortgage servicer has refused to release the full insurance payment needed to complete the repairs. 

Claim and Partial Payment : Date of initial claim : XX/XX/year> Initial insurance payment : {$76000.00} Partial payment received : {$40000.00} Request for Remaining Funds : Date of first request : XX/XX/year> Date of second request : XX/XX/year> Revised Insurance Estimate : {$120000.00} ( evaluated by another contractor sent by the insurance company ) Reasons for Immediate Release : The revised estimate reflects the extensive repairs needed and immediate financial requirements. 
Upfront payment required by the contractor exceeds the partial amount released. 
Costs for kitchen appliances, custom cabinetry, and other materials must be paid in advance to avoid delays. 
Financial strain caused by insufficient funds to commence and continue necessary repairs. 

Companys Response : Both requests for the full release of funds were rejected by the Loss Draft Department. 
Communication dates : XX/XX/year> ; XX/XX/year> The refusal to release the remaining funds is causing significant financial strain and delaying essential repairs, potentially leading to further damage and increased costs.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I have {$830.00} locked up in my PayPal account from being terminated for breaking their terms of service this money has been locked for over 3 months without any way to access it, use it, or withdraw it.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Seriously, it's been XXXX since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2024-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OK)

No notice of this debt received. If they say I owe the debt, I require the following for debt validation : copy of purchase agreement, copy of original contract, name of original creditor, payment history, and any other debt validation.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

For over 2 years my trading account balance of XXXX has been held on to. I see my balance but I have been unable to withdraw it for the last 2 years since XXXXXXXX XXXX  After continous pressure, I got a response 2 months ago requesting I should show the origins of the crypto ; details of transaction with the crypto exchange, details of XXXX currency transaction with XXXX XXXX, bank statement of these transactions, and my payslip and other sources of income. I provided all requested transaction details, payslips, bank statements and other sources of income. However, despite providing all the requested proofs Blockchain is still yet to release my crypto.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-22
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. (MT)

XXXX XXXX XXXX  ( Original Creditor : XXXX ) # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: 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. (TX)

I purchased a {$500.00} vanilla gift card a while ago. I tried to spend it at XXXX but failed. Then I tried online spending on XXXX, XXXX and shop in store and XXXX. All of the attempts failed. I contacted the Vanilla gift company and they promised to replace the card, but I never received a replacement. I called them multiple times and even send my utility bill with my address to them, but still got no replacement card. The company finally agreed to refund the {$500.00} to me on XX/XX/year>. However, when I called today to check the status, they told me it was not approved and I should provide more documents, like the original purchase receipt ( which I already lost ). I do have the original card on hand and they can confirm the card is never spend. This is really ridiculous for the time I spend with the company.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (IN)

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Transcript
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NE)

I bought a XXXX XXXX in XXXX of XXXX with a loan from Ally and the vehicle was totaled in XX/XX/XXXX. XXXX XXXX reached out to Ally financial to get a total payoff for the vehicle and paid Ally the amount they gave travellers insurance around XX/XX/XXXX. Ally didnt contact me until XX/XX/XXXX when they said I still owed {$360.00}. When I was contacted by Ally I asked where that amount came from and after sitting on the phone for over 2 hours they told me it was from a missed payment in XX/XX/XXXX but I didnt take out the line of credit until XXXX XXXX. In the 6 months following Ally called me multiple times a day from different phone numbers and never left a voicemail. Now in XX/XX/XXXX I am being called by debt collectors trying to collect the amount of {$360.00}. Ally had hit my credit multiple times for this until charging it off as bad credit sometime in XXXX.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA does not give customers the option to set up weekly or biweekly scheduled automatic payments toward credit cards. They will only allow a once-a-month automatic scheduled payment of an amount I choose, or the minimum amount due. I feel this is predatory lending because it does not allow the consumer to make automatic scheduled payments that may help get the debt owed paid off sooner. USAA states that I can go online and make manual, individual payments as often as I want, but this is terribly inconvenient to the me, and it also puts the me at a disadvantage as the chance of missing a payment is much higher. USAA is preying on this opportunity to maximize interest collection, late fees, and not looking out for the best interest of the credit card holder. No solution has been offered by USAA at this time and their customer service representatives are stumped when I call and ask for help. Every single time the representative insists weekly payments are an option, and then can't find how to set it up either, and have no idea why it is not available.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (FL)

On XX/XX/2023 Self Financial responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. Self Financial failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can Self Financial complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. Self Financial failed to provide a Method of verification.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

For the past 4 weeks I have been receiving phone calls and text messages from a company called Harris & Harris , Ltd. claiming to have a debt collection against me. In the beginning I thought it was a scam, I still feel as though this is. I at one point did tell one individual that I mistakenly picked up a call when they tried to hide their name when they called from a number that if they were legitimate, that they could mail me the information so I could substantiate their claim and to stop calling me until I received such information. 
I have never received anything in the mail from them. I received daily calls from they despite them being told to stop calling me and me constantly blocking all the new numbers they try to contact me with circumventing my efforts to block them. They attempted to text me and I sent them a 'STOP ' communication notice and I haven't received further communication past this. 

I am unaware of a single debt that I would have out there from any creditor and this level of harassment needs to stop. I am also going to reach out to my state AG office, Attorney General XXXX XXXX, for additional support in this matter.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with Section 392.101 of the Finance Code, a third party debt collector or credit bureau may not engage in debt collection unless the entity has filed a {$10000.00} surety bond with the state. The bond must be issued by a surety company authorized to do business in Texas.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

On XX/XX/XXXX, I contacted PennyMac to let them know I'd lost my job. 
I had already paid the amount due for XXXX and they assured me they could offer a hardship " pause '' in payments for up to 4 months and then we'd assess where I was after that time. 

I apparently did not check in during the month of XXXX ( payment was due just two weeks after I called ) thinking I'd made this arrangement for the month of XXXX. 

I fortunately received an offer letter today ( for a new job ) and immediately attempted to contact PennyMac to make payments for XXXX and XXXX. I was informed that my loan is delinquent, I have been assessed late fees and it's my fault for not calling last month. ( I've been monitoring emails and mail with nothing from them. Any phone call had no details regarding the status of my loan and would likely have been lost in the swirl of overseas scammers I've had to deal with in looking for employment. )
Consumer complaint received 2023-07-19
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. (MA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (MD)

Firstsource Advantage , LLC sent me a letter in the mail stating that I owed a debt to XXXX XXXX. I then responded asking for them to verify The amount you claim the Respondent owes you * An explanation showing how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * The original lawful contract/ promissory note * Affidavit from a representative of the company that has first-hand-knowledge and was present during the alleged debt swearing under penalty and perjury that there is a valid debt. 

A representative XXXX XXXX then responded with transaction statements from another company claiming I owed them because of the debt from a different bank. 

I then responded with each violation that they committed under the FDCPA which was a total of XXXX and then sent them an invoice for each violation which added up to {$10000.00}.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

Citi and its subsidiary XXXX XXXX XXXX violated the FDCPA by calling with intent to harass and intimidate by calling 20-30 times per day during a period of time. They have since honored my request for a cease and desist on all my accounts except one. 

In their last response to me they requested that I provide them with account numbers. They are the creditor and they should have that information themselves. If they can locate my accounts to address my complaints filed with the CFPB they can find all of my accounts to apply a cease a desist. That's up to them and not for me to do it for them. Furthermore, them requesting me to call and provide them information is a violation of the spirit of a cease and desist. 

Now back to the information that they can not seem to get a grasp on so let me make my request very clear ..... 

******I am requesting copies of the call logs for Citi and their subsidiary XXXX XXXX XXXX XXXX XX/XX/year> through XXXX XXXX. I am requesting they provide the logs for all calls from live persons, robo or automated calls and the information from all phone numbers they use including any " spoof '' numbers. ***** To date they have refused to provide this information so if they choose to refuse to provide it again or can not address my request then I am asking the CFPB to investigate it and levy fines for all violations.
Consumer complaint received 2023-07-19
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX