davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VA)

Citibank Business is offering a bonus of up to {$2000.00} when you open a new business checking account. The bonus you receive depends on how much you deposit, balance must be maintained for 60 calendar days after deposit. 
Receive a {$200.00} bonus with a {$5000.00} deposit Receive a {$500.00} bonus with a {$15000.00} deposit Receive a {$700.00} bonus with a {$25000.00} deposit Receive a {$1000.00} bonus with a {$50000.00} deposit Receive a {$1500.00} bonus with a {$100000.00} deposit Receive a {$2000.00} bonus with a {$200000.00} deposit -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I deposited {$100000.00} into my business checkin acct for the 60 calendar days and was supposed to receive the {$1500.00} bonus, but Citibank has not complied with offer terms
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (TX)

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 : XXXXXXXX XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX  : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 with antedates the report by more than seven years. 

15 USC 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 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of XXXX, Capital One XXXX XXXX Card charged an annual fee of {$100.00}. We did not have a running balance on our card and did not receive statements. We did not know that there was a {$100.00} annual fee. Since we didn't have a balance and since we didn't know there was an annual fee, we didn't know we needed to make a payment. When the late appeared in our credit report, we immediately called Capital One to resolve the outstanding balance which was due to the annual fee, and late fees compiled with interest charges from the annual fee. 
- We paid the balance and requested two things. 
- One, to put us on an auto-pay so that we didn't run into the situation again - and two, to remove the credit late on our credit as we were not aware of the annual fee. The credit was resolved and we also thought the auto pay was established. 

Fast forward to the following year, in XXXX of XXXX, another annual fee was charged, however, the auto-pay was not established as we had requested previously. We found out this when we received an alert from XXXX XXXX. By then, the credit late, due to the annual fee, was already reported. 

I immediately logged into the Captial One portal, paid the outstanding balance due to the annual fee, and personally established the autopay. 

We are small business owners and we rely heavily on having great credit. We requested for Capital One to reverse the credit late recently added to our account for two reasons : 1. we asked that the auto pay be activated last year when this happened. We asked them to review the call recorded session from the prior conversation with the customer service representative. They said they would.

2. They auto payment was not activated by the customer service representative.

3. We disputed the credit lates but was denied and we will given the circumstances, it unjust.

Please kindly delete all credit lats with all credit agencies.
Consumer complaint received 2022-10-12
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. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* 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 an account without my written instructions.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital System has reported to all three credit bureaus and outstanding debt of XXXX. I have never signed a contract with, had any business dealing, nor do I owe Jefferson Capital System. Jefferson Capital System has harassed with phone calls and direct mail, to which I don't know how they obtained my address. I have disputed this with all three bureaus, stating that this is not my account and I am not responsible for this debt. I have not had any success with getting this resolved.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (TN)

I have tried numerous times to make offers to pay off my credit card debt with AAFES and XXXX. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. They told me today I owe $ XXXX which simply isn't true. When I left service the card was left at {$7000.00} and I have made payments for almost 5 years totalling over {$4000.00} in payments towards that card. Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. Well if my math makes sense the {$5000.00} I'd pay them would be more than I owed on the card when I left service to include the $ XXXX ive already paid. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of AAFES and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I litteraly have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this?
Consumer complaint received 2022-08-20
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. (TN)

I have been a victim of fraud and have taken the necessary steps to report fraud with the credit bureaus. Equifax will not except my vaild documents and I have provided to them for the removal of fraudulent inquiries on my credit file. The FCRA states that the credit bureaus must be fair when resolving a consumer 's issue and Equifax has been everything but fair. On several occasions I have contacted them via mail, phone, fax and have spoken with several supervisors that have stated to me that the inquires have been deleted from my file but these inquiries still remain. The confirmation number is XXXX the supervisor I spoke with was XXXX and he also refused to provide his full name. XXXX was notified that this complaint will be filed. I have also included the documents that were sent to Equifax that supported my dispute.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This complaint is against XXXX, trans union, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all XXXX  credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-11
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)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX  of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by XXXX that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I, XXXX XXXX, a consumer, am submitting this complaint against Transunion and there is no third party involved. Transunion has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Transunion can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT TRANSUNION DELETE THEM FROM MY CONSUMER REPORT. Otherwise, they are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Transunion has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. if applicable, ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my ID and utility statement is how my name should be spelled. XXXX XXXX. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name ( ID ) and correct address ( UTILITY STATEMENT ). I DEMAND TRANSUNION TO CORRECT THIS INACCURATE INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Transunion is now liable for damages of $ XXXX for Civil Liability for willful noncompliance, which Transunion has failed to comply. This also includes any actual damages.
Consumer complaint received 2021-02-24
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)

DEAR Equifax : Thank you for sending me your internal records of the debt XXXX XXXX XXXX , Credit Card account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ). You stated by mail that you verified that these items are being reported correctly so how could this happen? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED ONCE AGAIN FOR THE 3rd TIME : MY UTILITY BILL FOR ADDRESS VERIFICATION, ID AND SOCIAL SECURITY #, POLICE REPORT, ID AFFIDAVIT via UNITED STATES POSTAL OFFICE CERTIFIED MAIL TRACKING # : XXXX mailed out todayXX/XX/XXXX.You deleted this once XX/XX/2020. I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I am keeping phone recordings and paper trail with all communication.
Consumer complaint received 2024-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (NY)

Subject : Request for Removal of Inaccurate Information from XXXX Credit Report Dear XXXX XXXX XXXX hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report, which I believe does not reflect my true financial situation. As a father of XXXX children, managing a large family comes with its own set of challenges, and I take my financial responsibilities seriously. However, I have identified inaccuracies that I am seeking to correct to ensure that my credit report accurately reflects my payment history and financial obligations. 

Below are the details of the disputed informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Partial Number : XXXX Account charged off amount : {$980.00} Date Reported : XX/XX/year> Description of the Inaccuracy : This is not my account Reason for Dispute : I believe this account was fraudulent I understand that as a parent, managing multiple financial responsibilities can be difficult at times, but I always make it a priority to meet my obligations, especially with my childrens needs in mind. I am seeking your assistance in correcting this error, as it negatively affects my credit standing and, ultimately, my ability to provide for my family. 

I kindly request that you investigate this matter and update my credit report accordingly. Your assistance in resolving this issue would be greatly appreciated, as it is crucial for both my financial well-being and my ability to support my family. 

If any further documentation or information is needed, please do not hesitate to contact me by phone at the number and email above. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Consumer complaint received 2021-07-21
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: CITIBANK, N.A. (NC)

Called Citi ( account ending XXXX XXXX to request an account review for credit limit increase. When I asked if they would be making an inquiry into my credit report I told them that I was not interested with proceeding with the credit limit increase request ( I have a high credit score and do not want a " hard inquiry '' ). They proceeded to make an inquiry against my direction. Now I have an additional inquiry on my credit report that I did not request which resulted in a lowered credit score causing financial harm.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

1. Interested in purchasing cryptocurrency. CashApp based in XXXX XXXX, CA ADVERTISED ease of buying Bitcoin, as well as transferring the cryptocurrency to others or your own wallet for free. 2. WAS easiest method I have found to buy Bitcoin, true. Starting XXXX, added {$250.00} to CashApp, and continued adding $ and buying BTC over the next couple months, worked GREAT, SUPER HAPPY. XXXX. NOT TRUE was that you could transfer the BTC out whenever/wherever you liked. 4. CashApp REALLY wants you to keep 'your ' Bitcoin with them, NOT transfer it out. When you try to transfer BTC, they block you from doing so. ( DO NOT SAY any message like that, just that the 'transfer failed '. IT DIDN'T 'FAIL ', CASHAPP BLOCKED IT. ). 4. When you ask why they blocked transfer, they cancel your account. 5.They offer no explanations, do not answer direct questions in support forums, whether email or chat, and have NO phone contact. 6.So, instead of transferring MY BITCOIN to MY WALLET, I had to sell MY BTC in order to transfer it out of the closed CashApp account back to my bank account. ( XXXX cashed BTC out. ) 7. When I went to transfer the cash balance ( {$3000.00} total ) back to my original back account, I was limited ( by Florida statutes CashApp said ) to only {$3000.00} per week, or something. OnXX/XX/XXXX, I transferred {$2500.00} back to the bank account successfully ( after a week or so to show up ). 8. Then when I went to transfer the remaining {$580.00} balance, CashApp blocked me doing so,. ( AGAIN, there is NO explanation given when the app does so, it just 'does n't work ' ) .9. After contacting CashApp support, they declared my account THEY TOOK ALL MY MONEY FROM was somehow 'fraudulent ', and they were demanding I link ANOTHER ACCOUNT to them in order to transfer out the remaining {$580.00} OF MY MONEY. 10. GIVEN how they had lied to me, and were trying to steal my money, I wrote back that there was NO WAY I was going to link a new account to them, and to either send it back to the bank account they were very happy to take it from, or issue me a paper check for the {$580.00}, but NO WAY I was linking a new account to those lying snakes. They did NOT answer that email or any subsequent emails telling them the same fact.