davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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 (MD)

I had a credit card from Bank of America ( BoA ) beginning in XXXX. I received an in-app offer in XX/XX/XXXX that my card may be upgraded without a credit check or change of card number, the reward points offerings were considerably less, however there was a deal for spending {$1000.00} in a three month period and receiving {$200.00} worth of points. I agreed and the time period was set for XX/XX/XXXX- XX/XX/XXXX ( around 2.5 months, interesting ). 

I have tracked all of my purchases and returns on the card and the net positive purchases was a total of {$1000.00}. I proceeded to use different cards once I reached the goal. 

I have called the bank 6 or 7 times about this issue and spent countless hours on hold just to receive no assisstance. One manager even counted the purchases and returns with me and concluded they made a mistake so he sent a request to the department that can review the transactions and correct my rewards points. Two weeks later and they said no I did not reach it, they won't say by how much I missed it or what charge isn't considered. 

On my last call to BofA, they said they dont have a record of this offer and can't escalate this again. Luckily for me, the department that initially reviewed me sent a letter with the dates of the rewards period and acknowledging I did have the offer and saying I did not reach the required {$1000.00} spending. However there were no details, such as only spending {$950.00} out of {$1000.00} or {$850.00} out of {$1000.00}. 

A final count of all of my purchases subtracted by returns is a total of {$1000.00} which is greater than the {$1000.00} minimum needed for the bonus offer. I would not have upgraded my card because the original had a better cash back percentage but this offer was too good to be true I guess. 

They also have hung up on me while I have waited an hour on the phone. Truly disrespectful. I am available to send all of my transactions and the letter from the bank stating I did have the rewards offer that they currently claim doesn't exist.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (TX)

Your vendor sought me via XXXX, but I never went through her website. She was never licensed to perform the service and caused me distress. Affirm has defrauded me by not researching vendors or looking at how I was solicited and the effects of that. 


In the realm of beauty transformations, I embarked on what should have been a confidence-boosting experience, trusting XXXX XXXX of XXXXXXXX XXXX the XXXX XXXX XXXXXXXX, and XXXX XXXX with my hair. Little did I know, this journey would become a distressing saga of deception, incompetence, and emotional turmoil. Excitement filled me as I handed over {$870.00}, anticipating a transformative hairstyle promised by XXXX XXXX. She solicited me on XXXX, not via website. What transpired, however, was a far cry from the enhancement I envisioned. XXXX, lacking a proper license, executed a technique that didn't enhance but brought out the worst a significant loss of my precious hair. Attempts to address the fallout were met with resistance. XXXX, instead of owning up to her shortcomings, blamed the natural texture of my hair. Shockingly, XXXX discrimination tainted our interactions as she callously asserted that XXXX textures posed greater challenges, a baseless and hurtful claim. In the aftermath, it became evident that XXXX XXXX, aware of her incompetence, had willingly taken my hard-earned money. It was a betrayal that extended beyond physical distress to financial exploitation. I had trusted in her expertise, only to discover she was ill-prepared for the task. The consequences weren't merely physical ; they plunged into the depths of my emotional and psychological well-being. Strands of my hair falling out in public became a source of immense embarrassment, and the quest to conceal the aftermath demanded constant effort. The pursuit of justice became a personal mission. Hours of research were invested to unveil XXXX XXXX 's true identity and expose the lack of a license. This XXXX, who operated under a guise of professionalism, had deceived me and exploited my trust. Efforts to secure a refund proved futile. Deceptive links and contractual language were employed to deny me justice. The financial strain escalated as I sought relief for ongoing hair restoration treatments, new styling costs, and the work disruptions required to rectify this unjust situation. Affirm/XXXX XXXX is using deceptive practices to gain consumers. They are also not checking the validity of the customer ( misrepresentation ).
Consumer complaint received 2022-05-28
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. (MO)

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX ACCT 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 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried to get these accounts updated. I have 2 accounts with XXXX XXXX that were open and now closed that were both paid off. Please look into this situation and either update or remove from my report. These accounts with XXXX XXXX were paid off a few years ago. 

Acct # XXXX & XXXX
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On Sat, XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,

Once more I need to contact you re the abusive policies at Synchrony Bank.  Regarding my   XXXX   account Nr. ending  XXXX  and   XXXX   Account ending   XXXX  .  

I hav NOT made any purchases for several months in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!

What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on XX/XX/XXXX  and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Synchrony bank for abusive practices regarding interest rates and punitive fees to customers.  I know that there are a myriad of complaints regarding your bank and also several other class actions that you have had to pay regarding harassing phone calls to customers.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,

 XX/XX/XXXX   XX/XX/XXXX  This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (GA)

he following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX COMP XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  SER XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXX XXXX
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need to stop in my goals and plans please address this issue immediately
Consumer complaint received 2022-05-29
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. (MA)

XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX  # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I believe capital one opened a checking account in my name and sent me a debit card in the mail. I never received a PIN number to this card and it never showed up on my credit report. I am not the only one whos gotten the same thing also, my co-worker and friend got the same thing in the mail around the same time I did.
Consumer complaint received 2022-05-05
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: Advanced Resolution Services Inc. (MS)

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report.

It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My XXXX  account is showing five of my XXXX   accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance   because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I have been having an ongoing issue with Wells Fargo bank. They keep ignoring my complaints. They keep saying the same thing over and over. I have money missing from my bank accounts. I have both a checking and savings account. They keep saying that I had 30 days to report any errors. I surely did. As soon as I had found errors I had called them to file a complaint. They have even said that I was not within the time frame of reporting the errors. I had called them as soon as I had found out.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

ALL THREE CREDIT BUREAU 'S ARE ALLOWING SANTANDER AND XXXX TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX  EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. BOTH COMPANIES JUST UPDATED THEIR INFORMATION AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Date of transaction : XX/XX/XXXX Amount : {$280.00} Nature of dispute : a merchant in the XXXX XXXX issued a credit in the amount above to my Chase credit card ending in XXXX, which I had originally used for a purchase in XX/XX/XXXX ( one of the items broke and it was still under warranty ). The merchant issued the credit to my credit card via XXXX. As of XX/XX/XXXX, Chase has not been able to locate the credit and my money is missing. 

Trace number : XXXX ( provided by XXXX XXXX ) Attached are all contacts I made with XXXX and Chase between XXXX and XX/XX/XXXX together with the unsatisfactory resolution. 

I can't tell if the problem is that XXXX did not send the credit correctly to Chase or whether Chase misplaced the refund. The fact that two financial companies are involved complicates the situation. What is 100 % true is that Im a defenseless consumer. Neither XXXX nor Chase have been able to resolve the situation. Im caught in the middle while my money is nowhere to be seen.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (OR)

I've repaired credit score to XXXX. Applied for department store card who uses same ( XXXX ), and paid off credit debts, yet U still got my Application Denied!! Filing a Federal Lawsuit against U,, XX/XX/2019. Truly yours, XXXX XXXX
Consumer complaint received 2023-04-19
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights as of XX/XX/2021 & have evidence. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I made a purchase in the XXXX online store and the product did not arrive. In this case a telephone. I made a dispute with the bank and the bank did not agree with me and denied the dispute without any evidence. I requested, signature or identity verification that the delivery that delivered the phone should have requested from the person who received the phone. I did not receive the phone number and they denied my claim without any evidence. 

XXXX XXXX, XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( ... XXXX CARD - {$XXXX} DescriptionXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, postal mail or telephone I asked to speak to a supervisor and the supervisor told me that I made the purchase using the PIN and that is not real. The record of the purchase shows that it was online on the web, XXXX 's online store. 

Date of inquiry : XX/XX/XXXX Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX
Consumer complaint received 2020-11-07
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: Experian Information Solutions Inc. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.