davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: TradeStation Group, Inc. (CA)

I had previously attempted to resolve this dispute with TradeStation directly to no avail. I had a recently closed CFPB complaint which also ended in a denial. To summarize the situation : I satisfied the deposit and duration requirements and yet Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate securities account. Escalated, provided a screenshot of their own terms and conditions with no success. Within days of the above complaint being closed I realized TradeStation altered their terms for the promotion. I contacted a helpful CFPB representative who informed me that I am welcome to file a new dispute if there is any " new information. '' Indeed, there is an update to this saga so here I am. I will attach two files- one labeled " old terms '' and one " new terms. '' OLD TERMS : " Existing TradeStation Crypto clients are not eligible for this offer. This offer can not be combined with any other offers. Only one offer/reward is available per client on one qualifying account. '' NEW TERMS : " Existing TradeStation clients ( whether a client of TradeStation Crypto or Tradestation XXXX  ) are not eligible for this offer. This offer can not be combined with any other offers from TradeStation companies ( whether the offer was from TradeStation Crypto or from TradeStation  XXXX  ). For example, a client who has previously received the benefit of a promotional offer from a Tradestation company is not eligible for this promotional offer because that client is an existying TradeStation client. Only one offer/reward is available per client on one qualifying account. '' Can you see the difference in clarity? Definitely necessary when you're providing two different products and two different promotions ( securities and crypto ).

When I applied under the old terms I was not an existing crypto client. A crypto account and a brokerage account are NOT the same therefore I'm not combining with any other offers. The fact that tradestation has two legal entities- one for crypto and one for securities - furthers this point. The old terms are as vague as the new terms are clear.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My BOA card was stolen by unknown people. I already call XXXX XXXX and told them. 
They also steal my passport which have my personal information. 

But I cam keep getting unknown message. I report stolen card and replace to new one. 
Here is the message : XXXX XXXX for tg or aor, t https : XXXX f o ddt ak tho XXXX. -- XXXX XXXX XXXX XXXX XXXX *URGENT MESSAGE* Your card was placed on hold due to suspicious activity to reactivate XXXX Debit Card please visit https : XXXX -- XXXX XXXX XXXX XXXX XXXX This two meessage came to me.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I have reached out to the following account below and talked to them about the issue with my account as reported by the XXXX XXXX XXXX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the XXXX XXXX XXXX  came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

So I have a BofA Cash reward card and a Travel reward card, had them for couple years now. On XX/XX/2022, I find out my accounts were closed. No reason given, CSR wasn't able to provide me anything but a phone number to Credit dept who's voice mail basically tells me to go XXXX off. 

The problem is, I had over {$60.00} in cash rewards and XXXX points and I requested to the CSR to please credit and send them to me as I still have a checking account open with BofA, just like they what they did after BofA closed another credit card of mine 2 years ago. Unfortunately they can't because of how my account was closed. My account had a XXXX balance when they closed it, similar to my account that was closed 2 years ago. 

So as you can see I feel a bit XXXX off now. Scammed to say the least. 

Anyone know how I can get my cash back given back to me?
Consumer complaint received 2022-04-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ADP Inc. (CT)

My Name is XXXX XXXX I work for XXXX at XXXX in XXXX CT, On XXXX XXXX, my paycheck show a garnishment deduction I called ADP on XXXX XXXX to find more information about it I was told that it was a court order when I know for sure that is not one going on, I didn't get any warning about this, I couldn't get any help over the phone so I send an e-mail to the wage garnishment department I got an email back saying that someone will contact me but no one did, in the main time I got another deduction on XX/XX/XXXX, I send a second email on XX/XX/XXXX with all the information about this debt that was resolved and close on a XXXX  XXXX bankrupcy in XX/XX/XXXX, I got an email back saying that they were working on my request and should expect to hear back within one business day, but no one has contact me. On my XX/XX/XXXX paycheck another garnishment deduction was taken what makes total of 5 consecutive deductions. I'm attaching all bankrupcy information as well the emails that i send to ADP ( XXXX 's payroll company ) I'm attaching a letter that I send on XXXX when this collection company try to collect the same debt and was dismiss just with that letter until now. 
I'm also attaching my last paycheck showing the total amount of garnishment
Consumer complaint received 2023-09-04
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2023 my capital one credit card was used to make a purchase in the amount of {$1100.00} at a XXXX XXXX that purchase was not made nor authorized by me, I called and informed my credit card company ( Capital One ) they sent me a letter 5 days later stating that after researching your case we found insufficient evidence of fraud - When I reached back out to them after letter to see how hey came to this decision they told me it couldn't be fraud because I still had my card, and chips can't be fraud, I was upset anger and hurt that I was on the hook for something I didn't do. My nephew was just the victim of fraud as we discussed I explained to him that I too had been a victim a few months ago and that I had been forced to pay it back and the reason he then told me that's not true he then went on XXXX and showed me the blank credit cards with the chips on them that you can buy for very cheap, he then XXXX can cards with chips still be duplicated and they can very easy, however capital one wants to force me to eat the lost instead of them and this is not right I have never been in a XXXX XXXXXXXX in the state of Florida.
Consumer complaint received 2022-04-14
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 witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX, has v

iolated 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 2017-08-31
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: SUNTRUST BANKS, INC. (MD)

Dear Sir or Madam, I am a long time customer of Suntrust Bank in XXXX, Md. I am seeking your assistance with an issue I am having with Suntrust. 
In XXXX I met with the XXXX Branch manager, XXXX XXXX XXXX, VP who offered to open a new credit card account with Suntrust and to move a balance I had with XXXX XXXX XXXX onto the new account which would be interest free for a period of 12 months. The account was opened and I began making payments against the balance that was posted to the account which I believed had been paid off at XXXX XXXX XXXX and added onto the new Suntrust credit card account. 
Suntrust did NOT pay off the account with XXXX XXXX XXXX. I allowed some time, thinking there might be a slight delay to allow for mailing, handling and administration. When I got my new XXXX statement from XXXX XXXX XXXX showing that the account had still NOT been paid off by Suntrust I called Suntrust and went in to see the branch manager, XXXX XXXX again yesterday, XXXX XXXX. 
While she was helpful, she was not able to resolve this issue and declined to credit my new Suntrust credit card account for the amount that Suntrust applied to the account without paying off my XXXX XXXX XXXX balance. She tells me that they will have to research what happened and find out what happened to the check they say they issued to pay the balance at XXXX XXXX XXXX. In the meantime I now still have a balance at XXXX XXXX XXXX incurring interest and I have a balance at Suntrust that I DO NOT OWE them and that she tells me I need to continue to pay on. 
I am sure that Suntrust will attempt to resolve this issue but, at the moment, I am in a situation that is untenable and do not believe is my problem to resolve. I believe Suntrust should have immediately credited my Suntrust account while they do their research and figure out what happened. I certainly do not think I should have a balance due at Suntrust since they did not pay off my XXXX XXXX XXXX account. If they succeed in paying off my XXXX XXXX XXXX account in the future then they can charge my new Suntrust account at that time. 
I would appreciate any assistance you can provide in resolving this issue. I can be reached at XXXX. 
Thank you
Consumer complaint received 2022-04-14
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. (GA)

I sent the letter below to all 3 credit bureaus. XXXX, XXXX, and Transunion has yet to get back to me with an answer. It has been over 30 days. I would like to have these negative items removed from all XXXX of my credit reports. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My Experian XXXX XXXX was XXXX on XXXX XXXX XXXX 
I received notice on XXXX XXXXXXXX XXXX from Experian that my score had decreased. 
I logged into the Experian website and found my score had decreased by XXXX points. 
I reviewed the Experian website and determined that nothing had changed. 
I filed a query with Experian on XXXX XXXXXXXX XXXX ( ref : XXXX ) to determine what information they had received causing this change and what organization had supplied this information. 
They responded that they could not provide credit counseling and listed common causes for changes to credit rating. 
I responded that I was not interested in credit counseling and only wanted to know what information was supplied to them and what organization provided it so I could address this issue with that organization. 
I have exchanged XXXX emails with Experian about this issue with no information provided. 
Experian has continued to ignore this request for information they received affecting my credit rating. 
Experian receives information and adjusts the credit rating accordingly. I simply want to know what information they received and from what organization they received it.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc. (GA)

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019. Here are the accounts that I am disputing : COMENITY BANK/EXPRESS XXXX Balance - COMENITYCB/XXXX  XXXX Balance-
Consumer complaint received 2019-06-25
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. (MA)

My XXXX have prevented me from working outside the home for most of my life as my XXXX XXXX has worsened with age. I applied for discharge of my student loans because with an income of {$1100.00} per month I knew I could never repay them. XXXX sent me a letter stating that my student loans had been discharged as of XX/XX/2019. Then on XX/XX/2019 XXXX put these loans on my credit report showing as open and owed which dropped my FICO score by over 200 points. They insisted that I owed {$7400.00} ( almost all of which is interest ). I believe this is known as credit reporting fraud. My husband and I had a recent legal settlement and as part of receiving the settlement we agreed to move out of our home by XX/XX/2019 but the despicable actions by XXXX have prevented us from being able to obtain new housing. I have spoken to XXXX representatives on several occasions but they have refused to remove the misinformation they placed on my credit report. These means that my XXXX husband and I may soon be homeless and literally living on the street. 
It is clear that greedy XXXX is doing this in order to try to trick XXXX Americans ( among the poorest people in our country ) into paying them money these poor souls don't even owe. These loans weren't on my credit report at all until XXXX put them there through their illegal and malicious actions. No company this dishonest and lacking in ethics should ever be allowed to receive taxpayer dollars. Their corruption is an affront to America.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (CA)

I've written numerous letters to Experian regarding negative and inaccurate information reporting on my credit since XXXX of 2021. I have yet to receive a response as they have continued to ignore my request to investigate and remove this hazardous information from my credit profile.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020
Consumer complaint received 2022-04-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-02-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mirand Response Systems, Inc. (OH)

During the week of XX/XX/2022 I have received multiple calls from the Mirand Response Systems which is based in XXXX, I reside in XXXX The representatives that have contacted me on several occasions have been repeatedly XXXX and XXXX. I have asked several times to have any information sent to me in writing via mail and the representative 's response was did you hear what I said ; at which time I requested to speak with her supervisor. She placed me on brief hold followed by a woman by the name of XXXX XXXX getting on the line at which time I informed her that he representative was extremely XXXX to me when I asked that any communication be sent to me in writing via mail ; then XXXX XXXX became extremely XXXX and I politely asked to speak with her supervisor and she stated that she does not have a supervisor and I stated that everyone has some in command above them, XXXX XXXX then stated that her supervisor was not available I requested to have the supervisor 's name and phone number or be transferred to her voicemail and was informed that I could be transferred. XXXX XXXX then hung up on me. I called back and spoke to a gentleman and when I asked to speak to the supervisor in charge of XXXX XXXX he then stated that he would transfer me to XXXX XXXX which I responded with I have a complaint against XXXX XXXX why would I want to be transferred to her and I am requesting to speak with a supervisor why is this such a difficult task.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (OK)

Two automatic payments of {$40.00} were debited within 2 days. The first on XXXX, the second on XX/XX/2022. 
On XX/XX/2022, at XXXX XXXX CST, I engaged with XXXX, in the XXXX representing Indigo Credit Card Co. I advised I was looking directly at my bank statement, he gave fax # of XXXX XXXX XXXX but wouldnt give a turnaround time. When I stated my concern that there may be 2 payments deducted in XXXX and requested a supervisors name and a callback he disconnected the call. 

XXXX XXXX, XXXX, XXXX