Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

The date of the transaction is : XX/XX/2019 The amount is {$200.00} The card number ends in XXXX The Complaint is against Citi Bank The Rental Car Company that declined the transaction is XXXX in the XXXX Purchase through XXXX  XXXX The Complaint : I was issued a credit card by Citibank/XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX advertised as part of the card benefits. In XX/XX/2019, I rented a car in the XXXX and informed the Car Rental Company that I had a car rental insurance coverage on the Citi Credit Card which I used for the payment, hence declining the car rental company insurance. The car rental company told me that the worldwide car rental insurance that Citi Bank sold to me was deceitful and not acceptable. They requested me to pay for their own insurance which was very exorbitant. I refused to pay and they refused to rent the car to me and told me I would forfeit my payment. I forfeited the money based on the fact that Citi Bank deceived me into obtaining its credit card which could not deliver the benefits they promised. 

I therefore consider this as a gross violation of UDAAP and therefore request that Citi Bank reimburse me with money I lost due to their unfair and deceptive practice by selling a product that does not deliver on the advertised benefits. Citi Bank should contact XXXX at the XXXX XXXX location to confirm why they declined their insurance coverage despite providing evidence that it existed.
Complaint sub-issue: Other problem getting your report or credit score

I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness.. 

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around
Complaint sub-issue: Report provided to employer without your written authorization

Equifax I am NOT Equifax customer.     I am not Equifax customer and I do n't remember I ever registered with Equifax, IF I did I do n't think I will share with Equifax with my personal information like " STUDENT LOAN THINGS with Equifax.     Equifax provided my personal financial information a widely with third parties without my permission.     I contacted Equifax this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted Equifax and requested a dispute my credit report, Equifax asked me security question " like how much student loan do you have, and who is the loan provider?     The Equifax NOT my student loan lender, this not Equ ifax business,  and again I do n't remember I did share my student loan information with Equifax, again I dont want to share my student loan information with Equifax, so I refused to answer Equifax 's security QUESTION which related to with my personal financial informations. And Equifax said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request  XXXX  to dispute my credit history from the   XXXX   website.       XXXX   I am  XXXX  customer.     I am request   XXXX   to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.       XXXX   provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request  XXXX  to contact me first before provide my credit history to THIRD parties
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account on XX/XX/XXXX with Citibank for a {$400.00} promotion with a {$15000.00} minimum balance requirement. I have well over {$15000.00} in my account. The banker I opened my account with XXXX XXXX confirmed my eligibility for the promotion at account opening. The money was supposed to stay the for 60 days and the bonus promotion to be credited to account within 90 days after the 60 days. It has been more than 6.5 months and Citibank still hasnt honored the {$400.00} promotion. They are scamming us. I have filed multiple complaints via the banker XXXX XXXX and Customer Service on XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX, a supervisor and XX/XX/XXXX and XX/XX/XXXX with XXXX a supervisor with Citibank and to no avail or response from them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

writing to delete the following inaccurate, contradictory information in my file.. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated as you are going breaking multiple laws. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Their investigation did not fix an error on your report

My credit profile is reporting that the Bankruptcy information was verified by the Northern District Court on XXXX XXXX XXXX, XXXX floor, XXXX GA XXXX. This is FALSE. This account has not been properly verified and validated.
Complaint sub-issue: Account status incorrect

XXXX has this account as a charge off? this should be removed
Complaint sub-issue: Information is not mine

Please note that this was placed on my credit in error. This should be removed from my credit profile immediately. XXXX XXXX XXXX has acknowledged that this should be deleted off of my credit profile. XXXX XXXX XXXX XXXX has since filed a UDF ( Universal Data Form ) with all the credit bureaus to have this removed from all XXXX of my credit profiles. Please have this removed immediately and forward me confirmation that this has been done. I have attached a print out of the email XXXX XXXX XXXX sent me to confirm that they have requested this deletion. Please see the contact information for the XXXX XXXX XXXX attorney that has been facilitating the correction below : XXXX 

XXXX XXXX XXXX XXXX, VA XXXX Toll Free : XXXX ext. XXXX Phone : XXXX ext. XXXX Cell : XXXX Fax : XXXX
Complaint sub-issue: Received bad information about your loan

I have contacted Great Lakes twice to request a refund per the COVID refund guidelines for my Graduate Plus loans and was denied both times. The Student Aid website specifies the loan should be eligible for refund : " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account and I would like to have these late payments removed.
Complaint sub-issue: Trouble with how payments are being handled

I submitted my final payment in full on Saturday, XX/XX/XXXX to Sallie Mae. The payment continues to being identified as processing on Sallie Mae 's site. This is accruing interest because the processing has not cleared, even though I completed the pay-off amount/final payment. 

I reviewed my bank statement, and the payment has not reached my bank. There isn't a charge at all for the transaction. This is abnormal. I have paid off two other loans from Sallie Mae, and it has never taken this long to process a payment. 


I reviewed my credit report, and they are running checks on it. This is inappropriate, and calls into question their cooperativeness and intent toward borrowers.
Complaint sub-issue: Didn't receive enough information to verify debt

My account was sent to collections and reported with the three major credit bureaus. The problem is I never received any kind of bill from this company. When I called the XXXX XXXX XXXX XXXX for more information I was given the run around. This bill is for ambulance service. I identified myself with my Social Security number and date of birth. I asked after many calls back and forth with them and my insurance co. for them to let me speak to a supervisor. I was put on hold the 5 times I requested a supervisor for more then ten minutes. It was not until my insurance co called them that I was able to speak with a supervisor after more time on hold. The problem I was told by my insurance was that they were billing the wrong medical group and my bill was going out to the old address. I called them again to ask why they did n't have the current address on file and I was told by a ( rep. ). that it was my obligation to keep them informed. How can one? No one really know when one is going to need an ambulance. My daughter called XXXX we have no way of knowing the name or whom is being sent out. I am very upset and frustrated with them since my requests for information and asking to be connected to a supervisor was ignored. I feel that they should have checked with XXXX XXXX since my license and ins. card was provided at time of service with current information. I want this collection account removed from the three major credit bureaus. It was not until my insurance called them and I called back and asked for a supervisor was I able to speak to one. I spoke with XXXX the supervisor and he stated that my account is not in collection that Bay Area Credit Service was used just to locate me. They really do n't know what they are doing over there. When I assured him that this account was surely in collections and I wanted it removed from the three credit bureaus. I do n't want it marked as paid in full I want it completely removed since it was their error. He said he would have that done but they do n't know what their doing over there. Very unprofessional. I called Bay Area Credit Services and it 's still in collections even after I explained the situation to them. Please help me resolve this problem. Thank you. I just want to add that I was not contacted by the credit service or the creditor since they did n't have the correct address on file. I only found out about this collection account after checking my credit file and I disputed the charges because I did n't recognize the account as being mine. I had no knowledge of it at all since I pay my bills in a timely manner. Now my credit is being ruined.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX  and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.
Complaint sub-issue: Was not notified of investigation status or results

Equifax was hacked and had 143 million accounts stolen including social security number, drivers licenses, personal information. 
This happened in XXXX 2017 and I did not know anything about it until I saw it on the news. 
They need to be investigated and taken to task and be for why it took a month and a half before it was known they had a security breach of this magnitude. 
Also why are they not required to notify every single person by mail whose information may have been impacted. 
Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive terms that were advertised

I referred my brother to a CITI Bank account on XX/XX/XXXX. CITI bank has a member get member referral bonus of {$100.00}. Its been more than 6 months and I still have not received my {$100.00} referral bonus. Every time I call CITI, they say I should wait more. It's already been 6 months and they refuse to tell me when I will get my {$100.00} referral bonus.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 a Certified letter was created and sent to XXXX Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named Enhanced Recovery for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that XXXX is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to Enhanced Recovery demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from Enhanced Recovery. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from XXXX informing me that the company ( enhanced recovery ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to XXXX and my dispute remains unchanged This is NOT what I requested from either XXXX or Enhanced Recovery. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Problem with paying off the loan

We traded in our XXXX in early XXXX. We received a letter from Volkswagen Credit XXXX XX/XX/2020 stating our loan had been paid off. On XX/XX/XXXX, we saw we had a pending payment to Volkswagen Credit for the loan that was already paid off. We called Volkswagen Credit immediately and were told that the payment would have to go through. They would refund the money in two weeks. I said that since the money should never have been taken out in the first place, it should be refunded immediately. The woman said that would happen. Today, XX/XX/XXXX, I called again to check on the status of the payment. Nothing had been done. A second woman said she would request the payment be XXXX XXXX  and we should see it be the end of next week. I asked that we receive the money on Tuesday since this money should never have been taken out of our account. 

Volkswagen made two errors. The first was not terminating the automatic payments on a timely basis. I would think that would have been done that when the paid off letter was sent to us, XX/XX/XXXX. The second one was not refunding us our money on a more timely basis since the money should never have been taken from our account in the first place. 

Volkswagen Credit should have the letter sent to us along with recorded calls.
Complaint sub-issue: Account information incorrect

I have disputed the XXXX XXXX XXXX  account that XXXX is reporting 2-3 times. Each time, XXXX XXXX Equifax allows XXXX to report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, XXXX XXXX Equifax continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XXXX2022-I called the company and they just transferred me to another company that was a credit counselor who couldn't help they just told me to call XXXX XXXX and they just forwarded me to XXXX XXXX XXXX that the robot just hangs up on me. Plus I don't want to go this route. I want to negotiate with the company itself. I requested a hardship. Nobody cared. dead ends everywhere I go. The company is US Bank Visa. my monthly payment now is $ XXXX and they are charging me {$170.00} interest for the month of XXXX, 2022, {$140.00} interest for XXXX, 2022 and {$140.00} for XXXX, 2022. I will never pay this bill off and I told US Bank that I'm going to stop paying all together, and ill have to claim bankruptcy. I owe approximately {$8000.00} on this one bill and it never goes down. I can not keep paying this bill when only {$50.00} a month goes to the principal. its Ludacris. I am XXXX years old, XXXX  and I live on a limited income. Also I would never agreed to a 26.99 % interest rate, when im living off of social security.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2020 I sent an ACH transfer from own personal Transferwise checking account to another bank account, also in my name. The funds were sent from Transferwises XXXX XXXX partner bank to my bank, perhaps incorrectly, and bounced back from the destination bank. The destination bank noted improper ACH instructions and confirmed they never got a hold of the funds. As a result, the funds are currently sitting at Transferwises partner bank. 

Throughout XXXX and XXXX and at least XXXX times, Ive been in contact with Transferwise, who continue to maintain that the only course of action is to wait because their partner is not responding to their recall requests. Effectively, Transferwise is not taking responsibility, nor exercising any sufficient oversight over their domestic banking partner, and are using their lack of banking license as a means of separating from the issue.
Complaint sub-issue: Information belongs to someone else

How many letters do I need to send to the Credit Bureuas for them to pay heed to my disputes? I have been sending countless letters and complaints for more than two years now and yet the Credit Bureaus can not complete my requests for proper verification of my Credit File and Remove any fraudulent information being reported. But despite all my efforts to establish communication with the Credit Bureaus, is is clear that the Credit Bureaus fine joy in ignoring a client 's requests. I have read that the Credit Bureaus is required to remove any accounts and information that the Consumer considers as items incurred due to identity theft. I am now submitting this complaint to inform the Credit Bureaus of how frustrated I am and I am willing to take a legal action and sue the Credit Bureaus for their willful non-compliance of the Fair Credt Reporting Act section 605b. If it not that too much trouble, I need the following items removed immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00}
Complaint sub-issue: Debt resulted from identity theft

There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. 

I should not be treated this way for something that I did not purchase or get the benefit of.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX  XXXX XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

IC Systems ( XXXX XXXX ) {$610.00} They are harassing me for cable equipment that was turned in a few years ago. I've been trying to dispute it off my credit report as I do not feel I owe this amount. Since then I have moved and lost the receipt given to me when I returned the equipment to the location at XXXX XXXX XXXX, XXXX Washington, DC XXXX. I would like to have this account removed from all of my credit reports as I feel this amount is incorrect.
Complaint sub-issue: Attempted to collect wrong amount

I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX , XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
In XX/XX/XXXX, we agreed to a debt reconsolidation for a credit card from XXXX XXXX. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX , XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a nurse practitioner. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XX/XX/XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a Stop Payment on all checks from XXXX XXXX XXXX.
We consider XXXX XXXX , XXXX to be primarily responsible for this issue. We are naming XXXX XXXX XXXX because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.