davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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)

Summary : BoA advertised {$100.00} checking opening bonus offer but won't pay it. 

In XX/XX/XXXX I opened an account using a promotion advertised by Bank of America. The promotion page has been removed from their webpage but a similar deal is typical and ongoing and is easily found online via promo code XXXXXXXX XXXX XXXX XXXX  I'm not sure if this is exactly the code I used but it was similar. 

I applied via the promotion page and entered the promo code on my account. Then I followed all the terms and conditions including a {$2000.00} direct deposit from my employer on XX/XX/XXXX. 

The offer terms say the {$100.00} bonus will be deposited within 60 days. On XX/XX/XXXX I called to see why the {$100.00} had not been paid. The rep located the offer and confirmed that I had met the all requirements except one to " enroll my account in the offer ''. They said I would've needed to call BoA after applying and ask them to add the offer to my account. I asked BoA to honor the terms of the offer because I entered the promo code with my application and met all the terms on my end. BoA said they would not pay the offer.
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

Tower Loan of XXXX Missouri is repeatedly calling my husband, my friends, my past employer as well as coming to my home after I have repeatedly told them to stop. I lost my job & have not been able to make my payments therefore I am going to be filing bankruptcy to help clean out some debt. They have repeatedly told me over the phone that they are going to threaten legal action & garnish my husbands paycheck for XXXX XXXX if I dont make payments. The loan isnt in my husbands name. It is in my name. They are using threats & intimidation to get me to pay money that I absolutely do not have to give. There is no extra income coming into the household that would allow me to pay those payments. I am not going to leave off rent & utilities & groceries just to pay a loan company. When I applied & was approved for the loan, I was making more than enough money to pay the loan. I was paying all payments on time & they were not late until I lost my job. They have been harassing me for several months after I have reached out to the company & made complaints. I want this harassment to stop.
Consumer complaint received 2022-05-20
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. (IL)

n accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX ( XXXX ), XXXX ( XXXX  XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX ( 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 2023-02-13
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. (VA)

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. 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 XXXXXXXX, XXXX XXXX XXXX XXXX : XXXX, 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 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 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need help from the Consumer Reporting Agencies in resolving my issues concerning these invalid entries that were placed on my credit report. I want to fix this one and for all.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX account was closed XX/XX/XXXX date last paid was XXXX  however my date last active has been continuously updating which is extended my statue of limitations they recently updated the account on XX/XX/XXXX when the last payment was XX/XX/XXXX this is clearly inaccurate information and a violation of my fcra consumer rights
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2023 XXXX : I called XXXX and spoke with a representative that misinformed me saying that there was no promotion for 3 free nights + {$250.00} gift card when I applied. She said that I applied for the card XX/XX/XXXX, and that the promotion I desired didn't start until XX/XX/XXXX ( confirming its real, just didn't do it in time ). She said I was instead provided {$250.00} + 50,000 points. This is not what I signed up for and there was no mention about this on their website at the time. If I knew I wouldn't be getting the 3 free night promotion, I would not have applied for this card. 

I asked to be transferred to a supervisor, when I was transferred I didn't get any response from the other side. I sat there waiting for 50 minutes. During that time I could hear shuffling in the background. Clearly the person was just away from their desk not doing their job. Around 50 minutes when I could hear them come back to their computer, they disconnected the line. 

Call 2 : Called right back and immediately asked for a supervisor, this time i spoke with someone who listened and said she would put in a request for review. She said I would get a letter in the mail and not a phone call. They did not ask for any documentation from me to help my case. 

After this call, I decided to keep looking for proof of this promotion. I was able to use an internet archive tool that shows that the 3 free nights promotion was active during the time I applied. There was no promotion about {$250.00} + 50,000 points when I applied on their website.

Call 3 : I called and spoke with another supervisor trying to see if there is an email I can submit my proof to showing why I should be honored the 3 free night rate. Supervisor told me that " the promotion was probably active at the time, but I didn't qualify, so instead I was automatically given this other promotion ''. If that is the case that is bait and switch, I never would have proceeded with the credit card application if I knew I would be getting 50,000 points instead of 3 free nights ( worth up to 150,000 ). 

After numerous holds by that supervisor, she disconnected the line on me. I am now filing this complaint after 2 disconnected calls. I have no faith that anyone at Chase is taking me seriously.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

I called customer after applying for 2 XXXX cards and the representative stated that it is not approved as I have bad relationship with XXXX as my cards got closed in the past. However, none of my cards EVER gotten cancelled and in fact I have 4 credit cards with XXXX 

They sent me in a circle and I talked to 5 representative up to the Manager 's manager.  And even then they would not help as they assumed the worst in me. My payments and everything are in perfect standing.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

i am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX XXXX late payment XXXX, XXXX of 2022. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX XXXX has a long history of credit card collection maleficence and abuse of the legal system. They failed to serve me a suit with the Index number in XXXX XXXX, NY of XXXX. Their process server filed a perjured Affidavit of Service on a date I was out of state during recovery post XXXX XXXX XXXX. Additionally, the server 's description of the servee was fictional. XXXX XXXX XXXX was informed of this fact and followed up with a revised perjured Affidavit of Service that was attached to a picture of a house that is not mine, updated with a description of said recipient only after I appeared in court and used accordingly. Their revised Affidavit of Service documented their use of perjury to confirm service. It included a picture of a building that is not my house, as well as a cell phone picture was taken of me with an illegible piece of paper taken MONTHS AFTER their initiation of a case and not on the date and time they claim I was served. The Affidavit of Service CLEARLY states the date of service as well as the time of XXXX XXXX The photo that was shot MONTHS LATER, clearly shows the time shot as XXXX XXXX XXXX  '' so it is quite obviously not the date and time that is stated in the Affidavit of Service. 

Additionally, XXXX XXXX  XXXX have ignored filed discovery requests including supplying copies of bank statements that cover the time period of the amounts they claimed are owed to Discover Bank. I had to appear in court to answer this action at times I was in the middle of an XXXX daily session of XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX ignoring discovery is a willful attempt to keep me from validating the amount they claim is owed to Discover Bank. I have knowledge and documentation of refunds owed to me by Discover Bank, as well as documentation of {$1200.00} of funds transfers that did not arrive at the directed bank and were not credited back to my Discover Bank checking account.
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My insurance company sent proof of insurance to Wells Fargo in XXXX, Wells Fargo claimed they never received it and sent threatening letters. I called them, spent hours on the XXXX XXXX and with an agent that was useless. I resent all insurance evidence again through upload, fax and email. The process repeated in XXXX, XXXX and XXXX. Each time Wells Fargo emailed me that they received evidence and all is good, then the threats repeated. They just sent a bill charging me {$1800.00} for new insurance. I cant get through to a human, just robots.
Consumer complaint received 2023-02-13
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (ME)

informed them that they sent a card that wasn't applied for on XX/XX/2023. they said to call a credit agency, so that was tried and i decided to take this route after that company XXXX XXXX said to take it up with the creditor.
Consumer complaint received 2023-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (GA)

Essex Mortgage granted a modification, I agreed to the terms calculated by their underwriting team to pay a current amount, that amount went up from the agreed amount, then 3 months later they then turn around and hiked up the mortgage amount again. Now the mortgage is outside any agreement that was made during the loan modification, in addition they did not calculate my escrow payments correctly from the time I purchased the home till now. They also refuse to owner removing all feature payments starting XXXX XXXX, from their database I had set up, in return they have caused me so many NSF 's they refuse to pay. I have the email back in XXXX I sent on the XXXX stating they would stop feature payments but never did.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

The Company in question is Barclays ( Aviator Red Mastercard ), and I have been a customer of them for just a few years. After going out on disability in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Barclays on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Barclays was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Barclays and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.
Consumer complaint received 2023-03-06
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-02
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: JPMORGAN CHASE & CO. (CO)

Also on XXXX2022 again, a charge of {$68.00} was posted on my credit card from a merchant called " XXXX XXXX '' while the service was never provided. I contacted my bank and explained them that " XXXX is a an online marketing website where you can book cars and they will assign you to a rental car agency to take a rental car. So when I made the transaction online at XXXX, they assigned me to a rental car agency that is no longer operational. So I have to look for another rental car agency where I even paid extremely higher than what I should pay because it was a last minute rental. I explained that to my bank but they still not take appropriate actions to remove it from my credit card.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

A charge of {$770.00} was made on XX/XX/2023 to XXXX XXXX # XXXX and posted to my Bank of America credit card on XX/XX/2023. I did not make this charge and I have never been a XXXX XXXX before in my life. I was notified of this because Bank of America contacted me regarding other fraudulent charges that were being made. I disputed this charge but was denied because they said the charge was made in the store even though I was in possession of the card. As I said, I have never been to a XXXX XXXX and I didn't make this charge. I then re-disputed the charge and was denied again.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've identified information on my credit report are a result of identity theft. these items are nonrelated to any transactions completed by me. 
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 2023-03-06
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX. ) XXXX Balance : {$690.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (OH)

XX/XX/2023 I received a call from PNC XXXX Credit Card Security stating that a fraudulent purchase had been attempted on my card. The agent said the card was cancelled and they would send a replacement card in XXXX weeks. I protested that waiting that long would be a problem, I wanted the card overnighted. The agent said they'd send it via XXXX and I should have it within XXXX  days. As of today, XX/XX/2023, I have not yet received the replacement card. I attempted to log onto PNC XXXX online account and could not. They wanted to set up a new account, but the id number they emailed kept being rejected as invalid. This went on at least XXXX  times. I finally found and called the Customer Service number ( XXXX ). I explained the problem to the agent. He said my replacement card was still " being " processed '' and it would be at least XXXX weeks before it was sent out. I asked that, when the card was ready, that it be sent overnight. The agent said overnight was cut off. I said I was in a bad situation without a credit card. The agent said, in effect, that that was too bad for me. He blamed the credit card manufacturers. I was lied to by the first agent, and not helped at all be the second. This is not acceptable treatment for a customer. PNC cancelled the card, through no fault of mine and then simply stonewalled about making the situation right. Not acceptable!