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

In XX/XX/XXXX, I responded to a Bank of America offer which promised it would deposit {$100.00} in my checking account if I opened the account before XX/XX/XXXX and made two direct deposits of at least {$250.00} within 90 days of opening the account. 

In reliance on that offer, I opened the account via Bank of America 's website and notified my employer ( the XXXX XXXX XXXX ) to pay me by direct deposit into my Bank of America account. On XX/XX/XXXX, my employer made a direct deposit of {$2100.00}. In XX/XX/XXXX, my employer made a second direct deposit of {$2400.00}. Ive attached a screenshot of my bank account information showing the two direct deposits. 

After waiting nearly two months, I called Bank of America on XX/XX/XXXX and asked why I hadn't received the {$100.00} I was promised. At first, I was told the funds would be deposited on XX/XX/XXXX. The Bank of America representative claimed the offer was conditioned on an initial 90-day verification period, plus another 60 days to receive the {$100.00}, for a total of five months. 
When I told the representative the offer said nothing about a 5-month minimum waiting period to receive the bonus ( the offer said {$100.00} would be deposited within 60 days of the second deposit ), I asked her to send me a written explanation, which she would not provide. She said I could make a claim with Bank of America if I hadn't received the {$100.00} by XX/XX/XXXX. When I told her I would like to make a claim now, she put me on hold for several minutes, then said my direct deposits didn't qualify, so I wouldn't be receiving the {$100.00}. 
When I asked her why, she changed her answer again and said the {$100.00} was only available to customers who made direct deposits every single month. Again, I explained that both direct deposits were from my employer and were paychecks. She just repeated I wasn't eligible for the bonus, contrary to what shed said a few minutes earlier about it being deposited by XX/XX/XXXX. It appears I was punished for wanting to make a claim. 
Including being put on hold five separate times, it took nearly an hour for this futile phone call, in which Bank of America refused to honor, and even tried to retroactively change the terms of, its offer.
Consumer complaint received 2018-03-05
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)

I have American Express XXXX XXXX XXXX credit card and American Express XXXX XXXX   Surpass credit card. I got an promotion offer from American Express on both of the cards to add authorized cardmembers to my account and earn points. The offer details are : XXXX  card : earn XXXX bonus XXXX for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. XXXX card : earn XXXX bonus XXXX XXXX points for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. 

I added 4 additional card members to both of my XXXX and XXXX card back in XX/XX/2017, and all of them completed the spending requirements. But till now, I only got XXXX bonus XXXX, and XXXX bonus XXXX points. I should be getting XXXX more Starpoints and XXXX more XXXX XXXX points from this promotion offer. 

I have called American Express multiple times ( 10+ times ) and every time the customer service told me that I should get those bonus points in 2 weeks, in 6 weeks, or a supervisor will call me to resolve the issue. But it's been 6 months now, and I still haven't got the bonus points.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MD)

All the details are in my claim number with you of : XXXX. No answer has been received from LexisNexis other than a letter addressed to : FirstName XXXX Last Name at my correct address claiming the need for more information. 
I provided a copy of my credit denial from XXXX dated XXXX XXXX, 2019. 
I receive mail asking for more information, then nothing. 

I know their Credit Report was incorrect and it would seem they do not wish to explain and/or correct. 

Suggestions would be appreciated. 
XXXX
Consumer complaint received 2023-02-03
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: REGIONS FINANCIAL CORPORATION (SC)

Thank you for trying to help me. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( call or text ) XXXX has refused to refund a ticket charge for a XXXX playoff game that was canceled. I contacted Regions Bank, issuer of my Visa credit card, in XXXX when it became apparent that XXXX was not refunding the charge. It is impossible to communicate with XXXX other than by online chat. I have attached a copy of a chat with a XXXX agent who said I am due a refund. I provided this to Regions Bank Claims Resolution Center. Their most recent letter dated XXXX says Documentation provided by merchant shows you participated in transaction and/or received merchandise. I contacted the team, XXXX XXXX XXXX, and their XXXX  XXXX insisted XXXX is responsible ... ... ..... 

XXXX XXXX Regions Visa XXXX XXXX XXXX XXXX ... ... posting date XX/XX/XXXX ... .. {$76.00} ..... 
Regions Credit Card Claim No. is XXXX ...... 
Regions Claims Resolution Center is ( XXXX ) XXXX ... .... 

" XXXX '' XXXX To : " XXXX '' XXXX Cc : " XXXX '' XXXX Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX EST Subject : XXXX ...... 

Disputed transaction .... 
. 

This {$76.00} transaction was posted on my Regions Visa on XX/XX/XXXX... 
. 
Chat text ..... 

Hi XXXX, We've replied to your XXXX XXXX request regarding order # XXXX. In addition to viewing this update within our online chat, a transcript of our conversation can also be found below. Your XXXX XXXX ticket is XXXX. 
If you have additional questions, please reply directly from the chat. To return to your online orders to chat with us, please go to XXXX XXXX XXXX. You can also reply to this email ; however, your email reply will not be visible in our online chat. 
System ( XXXX XXXX ) XX/XX/XXXX, XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX My name is XXXX, I apologize that you're having this kind of issue. 

Ive confirmed that your upcoming event has been canceled. No action is required to obtain a refund ; we will issue a refund to the original method of payment used at time of purchase, which is usually completed within 30 days. 

Please see our Purchase Policy at XXXX XXXX XXXX XXXX  for more information. 
If you have any other concerns, please reach out to this thread.
Consumer complaint received 2023-02-21
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. (AZ)

There are still multiple inquiries noted on my credit report that I have not authorized. As I stated before I have been sending letters over one year. I appreciate the corrections for names and addresses but there are still several issues that I would like to have addressed. According to 15 US Code 5 1682b and 15 US code C 1682 sect 604A you are violating my rights to privacy and furnishing my information without authorization. I am respectfully asking for a thorough review of these inquiries. Thank you
Consumer complaint received 2023-02-03
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. (MA)

Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-02-24
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Loan financed under someone else 's social security number, date of birth, credit score, etc. 

On XX/XX/XXXX I opened a personal loan for {$15000.00} at an interest rate of 12 % joint with my husband. 

On XX/XX/XXXX I went to the XXXX branch located on XXXX XXXX to make my payment on my loan when teller asked if I would like to refinance my loan at 6.5 %. I agreed to refinance my loan. When speaking with the XXXX XXXX, assistant branch manager, she asked if I still worked at " XXXX XXXX '' I stated " No, I never have ''. XXXX then pulled my loan documents and reviewed my place of employment, social security number, and date of birth. XXXX then told me that I would need to present current paystubs to her. I proceeded to leave the branch and went home and got my paystubs. I took the paystubs back to XXXX ( on the same day ) and she stated there was a mix up on the loan application. 

On XX/XX/XXXX, I went back to the XXXX branch looking for XXXX however she was off. The tellers told me to go to the XXXX XXXX branch. I went to the XXXX XXXX branch in XXXX and spoke to XXXX XXXX, branch manager of loan department, in regards to what was going on with my loan. XXXX pulled up the information and I had to verify my social security number against the bank information and she stated that the birthdate and social security number on the loan was wrong and the loan would be investigated. 

On XX/XX/XXXX I had yet to hear back from anyone regarding this loan incident so I called and left a message for XXXX and XXXX. XXXX called me back and stated that " they were getting the information correct on the loan ''.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was in the process of purchasing a home and these issues became a problem. I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 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
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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. 
please provide original contract and verify all payment history where necessary.
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion has failed to verify accuracy of account : XXXX 
TransUnion have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. TransUnion have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. TransUnion must comply with the law by providing the requested information within the 15 days allowed.
Consumer complaint received 2023-02-03
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: TD BANK US HOLDING COMPANY (CA)

Hello, I'd like to report an improper use of my credit report by Nordstroms ( Visa managed by TD Bank ) - as they reported a late payment to my credit report In accordance with the fair credit reporting act Nordstroms Visa Account ( ending in XXXX ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-03
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. (LA)

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 : 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. 
please provide original contract and verify all payment history where necessary.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

To Whom It May Concern : This letter is regarding account, which you claim I owe {$4500.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX