davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (PA)

I received a TARGETED   postal mail offer in XXXX of XXXX that advertised ( directly to my name at my address ) a offer of opening a new TD Bank checking and savings account. The offer stated I would receive {$400.00} bonus added to the new checking account and {$200.00} added to the new savings account. The terms stated I had to have direct deposit to the checking account and for the savings account I needed to transfer in {$20000.00} of outside funds and it could take up to 150 days from the account opening to be awarded the amount. 

I was previously a TD bank customer and brought the mailer in to my local branch and inquired if I was in fact eligible due to the previously closed account. They told me they needed to contact a promotions team and they would get back to me and collected my phone number and made a copy of the mailed offer. Later that day the branch representative called me and told me that they confirmed that I was in fact eligible for the offer and he needed to schedule an appointment with me to create the account and make sure he had the promotions attached correctly. 

The next day ( XX/XX/XXXX ) I went in and made the account. The direct deposit activity requirement for the {$400.00} checking bonus was completed on XX/XX/XXXX. The {$20000.00} savings account deposit was completed by XX/XX/XXXX to fulfill that offer. 

The {$200.00} savings offer was loaded to my account on XX/XX/XXXX but the {$400.00} offer for the checking was not. I reached out to support at that time and they told me it looks like I did fulfil all requirements but per the terms we need to allow up to 150 days and to contact back on XX/XX/XXXX to allow them to exhaust the 150 days and they would then research it. I contacted back on XX/XX/XXXX and asked them for a update as I still have not received the promotion and they responded they would investigate it. On XX/XX/XXXX they replied back stating that because I had a checking account with them on on XX/XX/XXXX ( almost 2 full calendar years ago ), I was ineligible to receive this new bonus. 

I want to reiterate the point that I received this as a TARGETED mail offer. They sent this to my name at my address knowing previous account history. Knowing this, I spent my time to travel to their branch and asked this very question : " Would I be eligible because I had a previous account? ". They told me they needed to look in to this further and contact a specialist and they got back to me later and scheduled an appointment for me to come back and open the account... IE waste more of my time... the next day. TD Bank clearly bait-and-switched me in order to have me not only waste my time and efforts of transferring money and setting up direct deposits, but then strung me along knowing that I would not receive the bonus after they PROMISED me the bonus.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My debit card dispute was denied, I did not receive the services / product my debit card my charged. I've sent an email to my senator XXXX XXXX and my congressman XXXX XXXX to complain. I've filed multiple complaints and I can't get a hold of anyone at bofa. I'm going to file a new complaint and send complaint emails to my senator and congressman everyday until I verbally speak to someone from b of a.
Consumer complaint received 2018-04-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX and XXXX  removed the items immediately and Equifax stated that the items are under investigation and has done nothing. 30 days have passed and I sent my second request to Equifax and 30 days have passed again and Equifax has again done nothing which is why I decided to come here for help, please help me.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (TX)

I sent you a letter last XXXX XXXX XXXXbut I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Reliant Capital Solutions, LLC (MS)

I went to XXXX College back in XXXX for XXXX XXXX XXXX. I had taken most of my classes, I ended up taking a small break for a couple of months. Once I returned to XXXX College to try to complete the one class that I have left before receiving my XXXX XXXX, they informed me that the major   no longer existed. They had done away with XXXX XXXX XXXX field because of other people had a hard time finding a job in that field, also to work in that field it did not require a person to have a degree in it. Therefore I never graduated, neither was I able to find a job in that field. Shortly after that the school closed down completely due to money issues. I later found out that I was in default and that I had been sent to a collection agency in which they told me that I owed them more than XXXX .... I started paying Reliant Capital Solutions immediately as of XXXX of XXXX. The department of Education informed me that I was ok to file my income tax for XXXX. They told me that my income tax would not be offset because I had already made 5 or more payments towards it. Once I filed my income tax they took the whole thing from me despite of what they said. As of now I have no income tax, no degree, and I still owe close to XXXX with the payments that I am making every month for a school that has been closed down.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX i received the following text message : XXXX ( Scam # ) ...... Your package has been put on hold because the delivery address is missing XXXX XXXX code. Please update the correct address informationXXXX XXXX  When the link is clicked on it goes to another page needing info. The page looks very legit for a XXXX XXXX XXXX. After i filled out the info i realized it was XXXX and called Bank of America to cancel the card number and issue us new ones.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX with no successful resolution. XXXX only reporting me 30 days and 60 days late. There was an error on their part. I was never 30 days and 60 days late.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (PA)

hello i was reaching out to see what else i can do, someone took all of my personal info from my car and used my personal info debit cards and social to open up accounts and also put fake checks into my account that's preventing me from being able to open an account and also ending my relationships with my bank I've been at for years. i called complained and did so much more and still haven't got an answer i even asked could they look at cameras to see if they see the person doing this to me i am very upset this is taking over my life.
Consumer complaint received 2019-06-27
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: FIRST CITIZENS BANCSHARES, INC. (NC)

I opened a business rewards card account for my company in 2012 at the First Citizens Bank branch in XXXX, NC. The purpose of the account was for myself and my employees to pay business expenses and earn rewards. There was a total of nine cards issued in the names of myself and eight of my employees. The total charges have been billed to my company with a master account and were paid promptly each month. The purchases on the cards each month have been substantial since 2012. 

I have received no statements about rewards earned and little information about the account. I recently made a call to the bank 's credit card department to inquire about the total of rewards earned. I was told by that department that only one of my company 's card accounts has earned any rewards at all. The other eight cards have a XXXX rewards balance. I was told that a bank employee had set up the eight accounts incorrectly so as to earn no rewards. I then asked that those accounts be credited with the proper rewards that should have been credited since the inception of the accounts. That request was refused by the bank. I then asked to speak with a manager. I was told that no manager was available and that I should contact the First Citizens branch where the account was opened. I have made three calls to the branch including two voicemails directly to the branch manager. No calls have been returned. 

I have been " stonewalled '' by this First Citizens branch and its manager. My account should have earned several thousand dollars in rewards and there has been no attempt to even discuss the problem or resolve it.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information across all three credit Bureaus, They are reporting names, addresses and phone numbers inaccurately. 
I reach out to all three Credit Bureau with the right information with copies of my Drivers license, social security card and a credit card statement.
Consumer complaint received 2018-06-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAROLINA FINANCE, LLC (VA)

The company has garnished my wages multiple times over the years they have collected over {$8000.00} and the balance has not moved. I have attempted to work with the company regarding my balance and they refuse to give me any information regarding how they came to my balance or why the money that is being garnished from my check is not impacting the balance at all. I am unable to verify the debt as the company refuses to give me any information and I was not made aware I owed the debt from the original creditor. If the original creditor had informed me that this debt was owed i would have made arrangements. I believe that the original finance company finances cars in hopes that people can not repay and they can collect in excess of the value of the car. I believe this because the original creditor refused to let me get current. I lost my job and fell behind on the car. When I called and tried to get current the original finance company told me my only option was repossession. I worked with them to pick the car up and I never heard from them again. The next thing I know I am being sued by XXXX XXXX on behalf of their client, XXXX XXXX ( the original creditor ).
Consumer complaint received 2022-10-17
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX XXXX - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 

XXXX, XXXX - Account XXXX Please remove it from my public record XXXX XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX Account number 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 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-09
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: EQUIFAX, INC. (CA)

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, XXXX and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: HireRight Solutions, Inc. (NY)

Can use my XXXX or other account like XXXX I was able to use now I can't also lost my job after had a month working got a pre adverse letter I have aXXXX XXXX but I have turn m life around have problem with background check got a letter from fair credit report act
Consumer complaint received 2020-11-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I've previously disputed this account with Experian. But I haven't received ANY correspondence back. Although I sent in my dispute almost two months ago! 


Experian Failed to respond to my written dispute within 30 days ( a 15 day extension was given because of Corona ) ( over 45 days ) THE LEGAL JURISDICTION IS : FCRA Section 611 Part ( A ) ( 1 ) The LAW IS CLEAR!! THIS NEEDS TO BE DELETED Immediately!!

Or I'll be forced to litigate.
Consumer complaint received 2024-03-05
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. (NY)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX 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 XX/XX/2023 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.