davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I am a Bank of America client and I enrolled in the XXXX XXXX Rewards Program in XX/XX/2022 as I met thee qualifying criteria. The main reason I joined was because of the 75 % cash back bonus on purchases with my Bank of America cash rewards credit card. I did several purchasesas during the month of XXXX for which I did receive the cash back bonus. In XX/XX/2022, some days after I made other large purchases for a total of XXXX {$33000.00}, I loged into my online banking system and I noticed that I was being invited to enroll again in the XXXX XXXX Rewards Program. This was very surprising to me because in my mind I was already enrolled in the program and I proceeded to check if my purchases of the past few days had accrued the bonus and they had not. I should have accrued XXXX {$240.00}. I immediately reenrolled in the program because I was going to do other purchases for which I wanted to receive the rewards and I figured this would easily get sorted out later. 

It turns out that for some reason that I am not aware of I got unenrolled and I did not receive any notification whatsoever. Since then, I have been continuously calling Bank of America to file a complaint and get the rewards credited to my account. However, I have been told several times that the process is ongoing, that they are recognizing their mistake and that they will credit them back to me shortly, that they will come with my next statement, etc. But it has been nearly three months and I have not seen then and no one at Bank of America really seems to know what is going on, which is why I am filing this complaint now. 

I am very tired of wasting my time calling Bank of America again and again and getting inconclusive responses and no action whatsoever to address this oroblem and credit my bonus rewards back to me. It seems to me that Bank of America gets you to enroll in this program, motivate you to spend more using the Bank of America credit card to get these rewards, then they remove you from the program without notifying you so that they don't pay the bonus rewards whilst you continue purchasing with their products and not with their competitor 's credit cards which actually pay off the promised rewards. 

I am attaching a screenshot from my online banking portal showing that my purchases in the month of XXXX did not receive the bonus until I reenrolled and that the ones I made in XXXX and XXXX did receive the bonus.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days.
Consumer complaint received 2023-02-07
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. (FL)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX  XXXX. Account # XXXX and XXXX XXXX XXXX  Account # 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
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

Radius Global Solutions LLC Sent me letter of debt collection without my written consent according to 15 USC 1692C, they are in violation of U.S. CODE 1692c, 15 U.S. CODE 1693m, I AM REQUESTING {$1000.00} UNDER CODE 15 U.S. CODE 1693m CIVIL LIABILITY.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

Cfpb Approximately two years ago, I was looking for a TV and found one that would be great for my mother and father. It was an XXXX XXXX and I was told that they had a promotion that Included a two-year 0 % APR interest rate for 48 months. I was approved for the exact amount of the TV, it was approximately {$3400.00} at the time. It was open-box and not new. I was told by the associate at Best Buy that once i bring down the balance by paying most of it off via the two-year 0 % apr period, I would mitigate most of the potential interest. Two years go by, and I still have about {$2000.00} left ( in balance ) to pay off ( i charged the card a few times for a medical expense I had, so it wasn't just the TV that was charged to that card ) On XX/XX/2023, Best Buy ( Citibank N.A. ) made a charge to my card for the amount of ( ~ {$2300.00} ). When I went to my account to make my monthly payment, I noticed the balance on my card went from ( about {$2000.00} ) to almost {$4700.00} and it was surprising because the original MAXIMUM credit i had was always {$3400.00} as i mentioned previously. There were no notifications that my credit limit even increased. 
I was told by three Citibank representatives that they would be able to take that interest charge off if I am able to pay back that {$2100.00} in a matter of 30 days ( 30 days from the point that which I found out i was charged a large lump sum at once ). This amount, i assume, is the amount that is left for the promotional balance I was under the impression, given what the Best Buy associate told me, and what the bold letters of the Best Buy card stated ( XXXX percent for two years ). In my experience, I have had multiple cards that provided an initial period of free interest - and even when I do not pay it off, I am charged the-then interest rate for the REMAINING balance ( not the WHOLE interest charge for the initial purchase that I made -not to mention that i already made payments towards the prinicple and brought it down I urgently need your help and I would like for you to tell me if this is typical practice and what rights do I have? I don't know how I will be able to pay off such a large amount ( ~ {$2100.00} ) in a matter of only 30 days
Consumer complaint received 2023-02-23
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. (NY)

I am writing to you because I started doing my own research online and I seen a couple people saying to reach out to you guys for help. I was a victim many of times of fraud in my life time and I documented it this time on paper. I sent the 3 major credit bureaus some papers stating that these thing on my credit report was fraudulent, but I don't know if they received it or anything. These accounts I have listed are fraudulant and I am just trying to get to the bottom of this situation so I can move on with my old life I have left. I hope these companies don't expect me to pay for someone else 's gain, because I only have money to pay for my bills and medication. I hope this letter finds you well and I also hope that you can help me because this is all fraud and I will attach my fraud report to this also. Thank you for your time and have a good day.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

1. I recently requested the information be corrected, to reflect the current status of the account with XXXX XXXX. This account has XXXX balance and is closed as I indicated prior. Current review shows account open with {$2100.00} balance which is again incorrect. 
2. Incorrect addresses are still listed, and Employment need to be removed from file
Consumer complaint received 2023-02-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

Radius Global Solutions is attempting to collect a medical debt of {$35.00} from my minor son for blood tests that he received at XXXX XXXX. I have XXXX XXXX XXXX XXXX XXXX and he is covered by that insurance. Further, all co-pays were collected by their XXXX  XXXX XXXX XXXX at the time of the appointment. Thus, there was no possibility for any additional charges. 

XXXX has previously been warned of the fraudulent nature of this bill yet they continue to harass my minor child.
Consumer complaint received 2024-04-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: GUARANTEED RATE INC. (CO)

XXXX XXXX ( XXXX  # XXXX ) with Guaranteed Rate Affinity started by submitting the mortgage application for me and entering the wrong ethnicity as I am XXXX. I made him aware of the error and he said I had to sign before he changed it. I checked several times over the week and it still showed XXXX. In addition, he continued to push me off for loan terms just to get an approval and then told me to wait until 30 days until closing. Then we asked for options and he sent emails that had no clear idea of what options we had so we then we chose to move to another lender as he does not have good/clear/informative information. He made me feel that I would get approved only if I was XXXX  based on the application and his brush off of my ethnicity. In addition, he has continued to harass me when I chose not to move forward with his mortgage terms even when I clearly outlined why we moved in an email, yet he continued to harass me with calls and emails. Then he sent emails to another person with my information, which puts my information at risk. Lastly, i was under contract for a house purchase and selling of my home which fell through because the buyers got cold feet four days before closing. The realtor from the home I was trying to buy contacted XXXX KNOWING we went with another lender, to inquire about the approval for a loan and he said he was not aware as he had us ready to close. He is not the lender and had no right to claim anything and should have told the realtor he was not the lender, but instead said he had our loan was approved and ready to close ... which is false since we sent several emails canceling him as a lender. He was also not aware that we could not get approved for XXXX mortgage loans as we had to sell our house for the terms we needed and I feel he retaliated against me and my partner with telling the realtor that we are approved with him. He is unprofessional, put my information and my partners information at risk by sending personal information to someone else, harasses me to go with him telling me how he is disappointed... which suggests that he is disappointed in me, and then retaliates to mess up my termination of a home so I lose my earnest money.
Consumer complaint received 2023-07-17
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. (MI)

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 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 2023-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

XX/XX/2023 - First Verification Request Sent to Calvalry Portfolio Services, LLC XXXX XXXX, XXXX  - Invalid Verification Response from Calvalry Portfolio Services, LLC XX/XX/2023 - Second Verification Request Sent to Calvalry Portfolio Services, LLC XX/XX/2023 - Third Verification Request Sent to Calvalry Portfolio Services, LLC In accordance with the FDCPA Code, 809 notices/letters ( " Previous Correspondence '' ) were mailed from XXXX XXXX XXXX XXXX XXXX ) on behalf of the Client to request validation. The documents sent by Calvalry Portfolio Services, LLC does not comply with 15 USC 1692g ( " Validation of Debts '' ), nor does it comply with the good faith request for additional documents, and therefore does not establish the validity of the alleged debt. The statutorily allotted time has passed for your compliance and the debt has not been validated, the client nor XXXX XXXX XXXX has received records or evidence to support the validity of this alleged debt, and the credit bureaus and appropriate financial institutions were not made aware of the removal of this account, and collection attempts did not cease as previously requested.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NE)

On XX/XX/23 Cash App closed my account without giving me any of the refunds I requested and didnt tell me why. So I closed that account and made a new one. They say my deposit limit is {$4000.00} and I havent even added {$200.00} to that account yet it blocks me from adding or sending money. They allow scammers to use their app to steal money from people and dont do anything about it. Im starting to wonder if they are part of the scammers stealing peoples money.
Consumer complaint received 2023-07-28
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. (HI)

Tranunion XXXXXXXX XXXX ( XXXX 's XXXX ) requested your credit report on XX/XX/2023.
Consumer complaint received 2022-12-19
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. (VA)

Dear Sir or Ms : Over this past weekend ( XXXX XXXX  ), my wife and I submitted a mortgage application to determine our options in the purchase of a property here in XXXX XXXX XXXX I don't recall getting an opt-out option, but the credit bureaus shared our information with appears to be hundreds of lenders. My wife and I have each received more than XXXX calls each ( XXXX calls total ) just this morning. It is atrocious and unacceptable that the same institutions that we count on to safe guard so much of our personal information are turning around and sharing this on the back side with a hungry and depressed mortgage banking market. I have never in my life had such an experience - we need strengthened data privacy laws so that my personal information is not shared with other lenders without my knowledge. I will make the decision on whether to shop around for other lenders not the credit bureau. Your assistance with this matter and sharing options for how to change this would be much appreciated. 
Sincerely, XXXX XXXX ( XXXX XXXX XXXX  )
Consumer complaint received 2023-02-22
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. (OH)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX # XXXX, XXXX card XXXX # XXXX, XXXX XXXX bank # 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-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 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates sent me the consumer [ XXXX XXXX ] a letter on the following date XX/XX/2023 about an alleged debt. 
After looking into the alleged debt in all three ( 3 ) Credit reporting agencies I then moved forward to dispute this alleged debt with Portfolio Recovery Associates. 
On XX/XX/2023 I sent Portfolio Recovery Associates a Dispute letter tracking # XXXX of validation of the debt. 
I did receive a response from Portfolio Recovery Associates on XX/XX/2023 with a validation of the alleged debt. After reviewing their validation letter, Portfolio Recovery Associates did not send me proper and lawful validation according to XXXX XXXX XXXX XXXX for validation of debts. I responded with a cease and Desist letter tracking # XXXX letting them know that they failed to properly validate the alleged debt. In return they sent me another letter reasserting that the investigation that Portfolio Recovery Associates conducted was indeed valid. Portfolio Recovery Associates did not follow lawful guidelines according to 15 USC 1681a ( e ). 
Portfolio Recovery Associates never sent me any of my consumer disclosure rights that I have as a consumer or any proper permissible purpose from me [ XXXX XXXX ] the consumer mentioned here. 
I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA.

Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

Portfolio Recovery Associates LLC is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.
Consumer complaint received 2023-02-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I was issued a refund by a merchant through cash app. It was a lot of small payments that were accidentally sent. The merchant understood what happened and refunded me all the accidental transactions. On my side of cash app, looking at my history and activity, everything looks like the transactions were refunded correctly. But when cash app sent the transactions through to my bank, instead of refunding me, they sent the refunds through as payments. So instead of getting the money back, it was withdrawn a second time from my account. I contacted my bank and they said there was nothing they could do because cash app sent the transaction through incorrectly. Cash app would have to correct the mistake on their end. So I called cash app. I got through to customer service and was told they couldn't help me then hung up on me. I called again and same result. I called again same result. I finally got a manager to contact me and she said she couldn't help me and told me she was closing my case. I am being ignored and the total missing from my account as of XX/XX/XXXX is {$2500.00}. Cash app has mistakenly withdrawn money instead of refunded it and is refusing to even address the problem. I'm at a loss. That is theft. They will not put the money back they took out and this is causing bigger problems for me daily. If cash app is not going to be held accountable for mistakes they make or be made to pay back money they drew out of someone's account mistakenly, the public needs to know that. I'm not saying I'm missing {$10.00}. They took {$2500.00} from me and are refusing to even communicate with me about it. I am now 20 days in and still nothing from cash app. This started XX/XX/XXXX. As Of today XX/XX/XXXX, I have not been refunded. And they closed my case. I have the documentation from the merchant and of course my bank statement showing the cash app blunder.
Consumer complaint received 2019-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

There is a charge-off/past due from Capital One on my credit report with XXXX. Twice, I've told them that Capital One will not respond to my requests to prove this is my credit card. They will no longer investigate and Capital One has never responded to my inquiries. Yet XXXX continues to report the information even though I have told them that I never had a Capital One card.