davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (MD)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2018-02-01
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 — Investigation took more than 30 days
Company: M&T BANK CORPORATION (NJ)

I have tried everything that I know how to do correctly, Still, XXXX, XXXX and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( M & T Bank ) I'M trying to get a better job & place to live but they, ( XXXX ) ( XXXX ) ( XXXX ) NOR ( M & T BANK ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Consumer complaint received 2022-08-10
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: CITIBANK, N.A. (NY)

On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint. 

XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I ordered some clothes from XXXX and I have a credit card with them through XXXX XXXX. I always pay this account in full and had received bills and paid them online. The clothes arrived and I paid the account in full. There was a backordered item, but I thought I had paid for it when I paid the account in full. The backordered item arrived many months later and when it did it said my credit card had been charged the amount of the backordered product. 

I logged on to the account and paid the amount, but it was one day late. I called and talked to the agent who said they would forgive any fees based on the circumstances with the backorder. 

On XX/XX/XXXX I began to receive calls from XXXX XXXX asking me to call. I did. I was told that the account was past due which surprised me. They had charged me the late payment fee even though they said they would not in earlier conversations and because I thought the account was PIF I had not checked it. There were a couple of late payment fees on there as a result! I explained the situation again to the agent, she removed the fees and told me if I paid {$18.00} it would resolve the issue. I had now basically paid twice for the item I ordered but I went ahead and paid it just to resolve the issue. I also asked that I now receive a paper bill because I did not trust them to do what they said from the original conversation about the backordered product and removal of the original fee. 

On XX/XX/XXXX, I come home from work and the XXXX credit card statement is in the mail and I have a {$75.00} balance!! I immediately called and relayed to the agent the situation and that I was told on XX/XX/XXXX this was result and the account was PIF. They said they had record of the {$18.00} payment but the fees had not been removed and so I had received another late fee on XXXX, when I thought the account was PIF!! I asked to talk to a supervisor who said they could remove the most current late fee but not all the other charges, so I would owe {$55.00}, all of fees that I was told twice would be waived He said they had a one waiver policy and I could use it here. I told him, I had been told twice already fees were waived and I didn't trust them to do so and I would not pay for fees that I was told by the Comenity had been waive two times previously. He refused to do anything for me and when I told him I was going to the CFPB he then revoked the offer to waive the fee!! I then asked to cancel the account which he did for me. 

I believe this is a scam by XXXX and that they are engaging in dishonest practices. I always pay my bills in full, I have excellent credit. I also believe they retaliated against me for raising a claim with the CFPB.
Consumer complaint received 2021-10-09
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: Convergent Resources, Inc. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I sent a domestic wire transfer of {$6600.00} to fund my account on Coinbase currency exchange. On XX/XX/XXXX Coinbase accepted my wire transfer, charged me a {$10.00} fee for accepting the transfer, and then disabled my accounts ability to use those funds on the currency exchange. I contacted Coinbase customer service on XX/XX/XXXX to request this issue be resolved. I received what appears to be an automated response on XX/XX/XXXX asking me to wait 4-5 additional days for a resolution. When no resolution came, I attempted contacting Coinbase customer support again 3 additional times between XX/XX/XXXX-XXXX. There has been no progress or resolution to date. I am unable to utilize the funds in the account, I am unable to get Coinbase to return the funds back to my bank account, I am unable to initiate a wire transfer from Coinbase back to my bank, and Coinbase has provided no customer support.
Consumer complaint received 2024-01-29
Product: Credit reporting 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)

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. Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX, XXXX Number : XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Chapter XXXX bankruptcy discharged over one year ago, but Toyota Motor Company refuses to report perfect payment history. Claiming I, my attorney & Trustee failed to reaffirm loan in time to avoid EVER allowing me to have post bankruptcy status. Toyota 's representative said I have no legal protection from repossession upon 30 days late, stating they can break into my garage to repo a vehicle with perfect record since purchase date- I don't get more than 30 days & NO notices. Also stated I will never be allowed auto pay, or access/use of phone app to make payments! Most importantly, all credit bureaus show NO PAYMENTS since XXXX of XXXX  while loan is showing open. 

I did everything ordered by court- it's not my position to know more than my attorney & the Trustee. I was told to make timely payments & I have a perfect record. I have been denied new credit three times, all separate attempts to gain credit, but each refused due to Toyota Motor Credit failure to report accurate info on my loan payments. My attorney advised that I dispute credit reports & I have, with no result. He advised I try to speak to them again, but I was threatened with repossession again. So I was advised to make a complaint to you.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (LA)

An letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent least as supposed proof of this debt. The Collection agency is not bonded in the state of Louisiana to collect Debt and i will like for them to remove it off my credit report.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC (TX)

XX/XX/XXXX I sent a letter to Quality Acceptance LLC disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to Quality Acceptance LLC again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Hello Sir.Ma. 

i was having issue with my card. and account ... i had an accident whereby i loss my phone and wallet and every other inportant information for couple of months so i couldnt remnber my security question or be able to access my account and there is money in it ... what actually happened was that my account was on XXXX  balance and the card was closed ..and when i newly reply i started getting paid on the card but couldnt have access to card or account ...
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In order to delete fraudulent and inaccurate accounts I sent XXXX notices to EQUIFAX, XXXX, and XXXX  that have not been rebutted. XXXX on XX/XX/2020, the second on XX/XX/2020 and the third on XX/XX/XXXX. No verification, validation, proof, evidence or rebuttal in the support of inaccurate reporting has ever been established. All three companies have failed to in their obligation to uphold the Fair Credit Reporting Act and someone soon needs to hold them accountable. Thank You
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION BUREAU INCORPORATED (OR)

On XX/XX/XXXX, I received a letter from a debt collector about a debt that I had previous reported and have been reporting identity theft on. I sent the copy of the police report, statements, and evidence of my identity theft every six months sin
ce XX/XX/XXXX. 
This debt was with another debt collection agency and it has been sold to Collection Bureau INC after I began reporting identity theft, the latest  time XX/XX/XXXX, on this debt. 
This debt has been recycled and it is a result of identity theft.
Consumer complaint received 2021-09-03
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. (AZ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I receive unemployment benefits. Bank of America card services supply cards for those people receiving such benefits. On XXXX XXXX I called the card services to let them know I had fraudulent activity on my account.XXXX XXXX my card was closed. Received a letter a week later stating my account was closed, contact your sponsor. 
I contacted my sponsor, emailed all my identity documents. Received a phone call on XXXX XXXX from unemployment stating that they emailed Bank of America saying to open account. Weeks of speaking to BOfA telling them unemployment sent documents needed to open my case. Still not open. Second email send on XXXX XXXX, stating to open case. Been told so many different stories from card holder. Still no money. They owe me money.
Consumer complaint received 2022-08-10
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)

I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, XXXX and Experian via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.
Consumer complaint received 2018-03-23
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: AMERICAN EXPRESS COMPANY (CA)

This is related to complaint : XXXX. I received an offer for a XXXX bonus on an XXXX XXXX card, which did NOT contain the language banning the bonus from previous card holders. Customer service told me I would not get the bonus because I was a previous card holder. They confirmed this was not the case and I was eligible. 


American Express confirmed that I was eligible for the bonus in this complaint and stated I just needed to meet the spend requirement and it would be issued. 

I met the requirement as confirmed by multiple representatives through chat ( they can review the chat records ), but as of yet, the XXXX bonus points have not been credited to me
Consumer complaint received 2021-01-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Citigroup made the following changes to their policies and are violating the law. They stated : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... Here is a link to full text of Citigroup policy : https : //blog.citigroup.com/XXXX This is in violation of 15 USC 1691a , Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

The law is clear.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

On or around XX/XX/XXXX I attempted to purchase from someone that uses cash app for his business. A single payment of {$60.00} and another of {$82.00}. He claimed issues at the post office and said the police had confiscated the item at one point. Either way, I never received the item and can prove through conversation. I altered the bank to what happened within a week, the bank temporarily refunded the money and went to work it out with cash app. Cash app refuses to assist and referred me to the bank as XX/XX/XXXX. Bank temporarily refunded me but was reversed per Cash Apps as of XX/XX/XXXX policy claiming it needs to be dealt with through them. All cash app says to do is request the money back from the scammer and hope he pays it back. Bank is providing legal paperwork from their interactions with Cash App blocking my refund. CasXXXX app customer service has hung up on me twice upon trying to reach a supervisor and get answers. I have requested copies of those phone calls. I just want my money back for the item I can prove was never sent to me. This is absurd and they openly confirmed in a phone call that they do support the scammer over the one trying to use the app properly. Request the phone record. It's the 2nd one of 3 I made on XX/XX/XXXX.
Consumer complaint received 2021-01-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay