davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened a checking account in XXXX of 2018 and was supposed to receive a {$100.00} bonus for being a new Bank of America customer. That did not happen as advertised. I met the required two {$250.00} direct deposits within 90 days and once the 90 days have passed I called to find out when would I be receiving that bonus. I was informed that they do see me applying for the {$100.00} promotion but somehow their system tracked my activity for a different promotion that required an aggregate direct deposit of {$4000.00} within 90 days. The representative seemed puzzled by this and couldnt give me an explanation. After contacting multiple departments and having me stay on the phone for over an hour and a half she simply said there is nothing she can do. Bank of America admitted it was their fault yet failed to correct their mistake and pay me the bonus they use to attract new clients. This is a true example of a bank using deceiving advertising tactics.
Consumer complaint received 2023-02-10
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: Affirm Holdings, Inc (CA)

XX/XX/XXXX I received a credit alert from XXXX for a delinquent account called AFFIRM INC that does not belong to me XX/XX/XXXX I reported an Identity theft claim XX/XX/XXXX I placed a security alert with XXXX, XXXX and XXXX XX/XX/XXXX Pulled my credit report XX/XX/XXXX Disputed with XXXX reporting this account XX/XX/XXXX Received a response from XXXX that this account was verified XXXX Followed up on identity theft.gov for the next steps XX/XX/XXXX Spoke to an agent over the phone with AFFIRM INC . 

XX/XX/XXXX Mailed off a written letter
Consumer complaint received 2023-02-27
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. (CA)

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. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : 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 2019-09-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (TX)

I was contacted by a Lockhart, Morris & Montgomery rep and  she threatened boldly me by stating " if i didn't pay back or give them some money they was going to damage my credit '' so i could not get nothing using credit this approximately happened around XX/XX/XXXX or XX/XX/XXXX of last year. I'm not sure what this debt is and they did not validate this debt.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OUT TECH, INC. (PA)

On XX/XX/2021 Bureau Of Account Mgmt violated by rights as a federally protected consumer. I have proof Bureau Of Account Mgmt is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Bureau Of Account Mgmt written consent to report any of my personal information to a third party Credit Bureau.Violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. They have communicated with me at an unusual place which is my credit report. Bureau Of Account Mgmt is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Bureau Of Account Mgmt has harass and harmed my reputation by reporting this information on my credit without consent stop me from receiving services or goods. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Bureau Of Account Mgmt stated they were given consent which is false representation. Bureau Of Account Mgm is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in collection of debt. .
Consumer complaint received 2021-02-17
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. (CA)

Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX 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 I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports
Consumer complaint received 2019-10-11
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: EQUIFAX, INC. (AR)

Back in XXXX, I sent Equifax a dispute letter via priority mail, they received my letter on XXXX, and since that time they never responded to me, according to the tracking number by USPS, Equifax received my dispute letter on XX/XX/2019, I mailed it to the same address that I have mailed to many times before, and Equifax has always responded, so I know it wasn't the wrong address. The address I mailed to, was XXXX. XXXX XXXX XXXX, GA XXXX, the tracking number that verifies they received it is listed below. 



Equifax tacking number for XXXX XXXX
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO (MA)

I am working with the third part debt consolidation in regards to several credit cards. Popular Bank is cashing the checks from XXXX, but, continues to reject their proposals for lower interest and payment. Popular Bank has requested various materials from XXXX, which were provided, but continues to come up with reasons to not work with them. Popular Bank has refused my requests to work with them regarding my hardship, they advised that they will not work with me unless I am several months behind in payments. They are giving the runaround to the debt consolidation company, as well as to myself. They refuse to help the consumer during hardship.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The state of Illinois put a lien on me for supposed back payroll taxes. This lien has been removed, as it should have since the taxes were estimated by the state and never owed in the first place, I had no employees during or since the periods in question. The Illinois Appeals board has removed the debt from me on XXXX/XXXX/XXXX. I have tried several times to get each of the credit reporting companies to remove this from my report but they keep telling me that it is still being reported by the state. I have and will attach a copy of the letter I received freeing me from the debt which I believe should also clear this from my report since these taxes were never owed in the first place. I have been fighting the state of Illinois since XXXX on this and should not have to have this phony tax burden hurting my credit it is making things very hard to move on with my life.
Consumer complaint received 2019-10-11
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: BARCLAYS BANK DELAWARE (MN)

It began when we ( me and my wife ) processed a payment on our daughters electronic tablet on XX/XX/XXXX in the amount of {$4.00} to XXXX XXXX ( game developer ) via the XXXX XXXX app. Barclays did contact us immediately to confirm that this was authorized purchase, of which we answered in agreement to authorize it. Soon after, beginning on XX/XX/XXXX, my daughter used this card to process purchases mostly to XXXX XXXX ( other game developers also, always through XXXX XXXX ) without our consent. I contacted Barclays in early XXXX to dispute these charges, of which, your representative put me in contact with a XXXX rep and XXXX agreed to credit us back a portion of the purchases totaling {$220.00} with the assumption that we would contact the game developer, XXXX XXXX, and dispute the remaining balance directly with them. At this time I have contacted XXXX XXXX three times via email and they have not replied to my inquiries as of yet. 
I would like the remaining balance of {$440.00} credit back from either XXXX, XXXX XXXX ( and other game developers ) or Barclays. The U.S. Truth in Lending Act covers unauthorized purchases in excess of {$50.00}, protecting consumers. 
The XX/XX/XXXX letter stated that Barclays position is that, once a cardholder releases the account information to another individual for use of the account, he/she is accepting responsibility for any and all purchases made by the individual. I strongly disagree with this position. The comparison to my situation is back when the Federal Trade Commission ordered XXXX to pay out a minimum of {$32.00} XXXX to reimburse parents for unauthorized mobile app purchases made by their kids. Whether youre doing business in the mobile arena or the mall down the street, fundamental consumer protections apply, said FTC XXXX XXXX XXXX in a statement. You can not charge consumers for purchases they did not authorize. This is identical to my position, these charges were made by my 10 year-old daughter without our approval. 
The fact that XXXX refunded us {$220.00} of the original {$660.00} in unauthorized charges demonstrates that they are accepting responsibility, yet, not completely, based on the partial refund. XXXX position at the time of their refund was that they will refund the {$220.00} and remaining balance owed will have to be addressed by contacting and disputing the charges with the game developer, most of which is XXXX. At this time, XXXX has not replied to my three inquiries and XXXX has refused to reimburse us any more money.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TN)

XXXX charged my Visa Chase card {$1100.00}. On XX/XX/2018 for a reservation l did not make. Visa refunded the amount in XX/XX/2018 and recharged my account in XX/XX/2018 for {$1100.00}. I have called XXXX, the hotel involved in XXXX, FLA and the XXXX XXXX XXXX to verify where l was. I sent reservation papers to Visa, because l was in XXXX at that time. But had nothing to do with XX/XX/XXXX. My reservation 's were made by XXXX and paid by them for XX/XX/2018. 
I can not make online purchases using my Visa, Mastercard or XXXX. IAMXX/XX/XXXX and must shop on line. 
PLEASE HELP ME CLEAN THIS UP. 
When l try to order l get a message that my card has been blacklisted???????
Consumer complaint received 2019-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Resource Systems, Inc (MS)

The following is a letter that I sent to XXXX XXXX XXXX XXXX : The collection Agency is on there for 3 charges from United Resource Systems XXXX XXXX XXXX XXXX, XXXX Fax I am faxing 3 letters for charity that was issued by XXXX XXXX XXXX XXXX that covers the dates that you provided service. I thought that the charges were taken off when the charity was given, but they have not been taken off yet. 

These three numbers are what I was given when I called in : XX/XX/XXXX -- -- XXXX Charged {$1000.00} XX/XX/XXXX XXXX Charged {$1700.00} XX/XX/XXXX XXXX Charged {$1800.00} These charges have also been sent to the Collection Agency, United Resource System and are also on my Credit Bureaus. 

My phone number is XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2019-10-11
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. (NV)

There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and Trans Union and XXXX have removed it but XXXX is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX Miscellaneous Finance XX/XX/2019 XXXX  XXXX XXXX   XXXX Finance/Personal XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XX/XX/2019 TransUnion AN # XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX Finance/Personal XX/XX/2019 TransUnion XXXX OF XXXX XXXX XX/XX/2019 TransUnion
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

My debt owed to XXXX XXXX XXXXComenity Bank was settled in full on XX after meeting with XXXX. XXXX XXXX we agreed to settle the debt without any further help from the courts for {$520.00}. We spoke to the judge very briefly and I was given 30 days to pay the debt ( which I did ), and then a withdrawal would be filed. 

I paid the debt, the withdrawal was filed, but XXXX/Comenity Bank refuses to remove it from my credit report like we agreed upon and will not update the correct status of my account -- paid or settled for in full. They are reporting that I still owe them a full balance which is false. 

I've disputed multiple times since I've paid this debt with documentation from XXXX XXXX XXXX ( who deals with Comenity Banks debt collection ) and nothing has changed.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I had XXXX in my account. I am buying a house, so I wanted to transfer money from the Citi Saving account to XXXX XXXX account that actually funded the Citi saving account. I also have been using the XXXX XXXX account to pay the Citi credit card bills every month for years. 

Since the maximum that I could transfer in a day is XXXX, I set up two XXXX transfers one and next day. The first one went through OK, but I received message from Citi to cancel the 2nd transfer. I was alarmed, and called Citi. A couple of customer service reps told me that I would get money back next day, so I can transfer then, The money never came back to my account, and it is showing pending everyday since. Including a weekend, it has been six day including today. I just called them again for the seven times. There is nothing they could do, and I have to wait up to 16 days to get my money back. 

They never told me that the reason that the 2nd transfer was cancelled. I would probably miss out with buying the house.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (MI)

//XXXX - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Today, XX/XX//19, I had called PayPal customer service to attempt a transfer of {$1500.00} that was sent to me by my daughter to my PayPal account. They stated that I couldn't do anything until I verified my account. They instructed me to purchase a XXXX XXXX card in the amount of {$100.00} and I would be verified by doing the registration process and the money would immediately be transferred. After I stated that I was broke and did not have {$100.00} they then instructed me to call my bank and ask for a {$50.00} overdraft for medical emergencies. If the bank would do so, and they were convinced they would, then they would accept a XXXX XXXX card in the amount of {$50.00} instead. I did manage a couple phone numbers to contact them. 
XXXX and XXXX
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My name is XXXX XXXX, and my Social Security number is XXXX. Ive had several problems ever since someone decided to use my Social Security number for different things, and Ive been denied my right to [ access ] my credit report information or my credit history regarding my finances, credit, salary earned, debts that I need to verify, and everything else. Nobody has the right to deny me what is mine, and I need it. Ive been deprived of all information and privileges, and my ability to overcome this has been obstructed, because businesses havent hired me due to a lack of information on me.