davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I opened a citi aadvantage business credit card on XX/XX/year> with a link that said that they were giving XXXX XXXX  miles when spending XXXX dollars within 5 months and the first year credit card fee waived. Obviously it was not a targeted offer and was open to public, so I opened the account using the link and met my requirement. I did not receive the miles that was promised, so I contacted customer service twice. Initially, they said to send the screenshot of the offer which I did, and they rejected it because it did not have my name on it. HOW WOULD A PUBLIC OFFER HAVE MY NAME ON IT? They are just trying to get away with not giving any miles that was promised. Second time I contacted, they re-iterated saying that they do not see any offer attached. With my knowledge, they do not have any XXXX  business credit card link that " DOES NOT '' contain welcome offer. So obvisouly this was their systematic glitch and the fact that they won't do anything is very deceiving and not accepting error on their end.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

This company been trying to collect a debt not owe by me they also showing 2 different time on my credit report under 2 different name which is saying i owe them this debt twice I been staying at my mothers house my whole life.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/XXXX asking them to investigate these accounts " XXXX '' and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or Incomplete or can not de verified. The credit bureaus did not re-investigate and violated my right.
Consumer complaint received 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MI)

I am full class/ automatic group of the XXXXXXXX XXXX XXXX  XXXX. I applied for XXXX in XXXX, XXXX, XXXX, XXXX. My loans were to be forgiven, and removed from my accounts, FSA and credit report XX/XX/XXXX. Navient has missed the dates for removing them from the account and keeps giving me the run around that they dont have too. 

These need to be removed immediately from all accounts and credit bureau. 

Im reporting this to the judge XXXX, Attorney General and filling more complaints with the XXXX.
Consumer complaint received 2021-04-16
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION
Consumer complaint received 2019-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

The auto pay feature of the website is limited to the minimum payment amount. This seems like a deceptive business practice that encourages a maximum repayment schedule with maximum interest paid by the borrower. 

This is what the online help documentation says about the repayment : Select Auto Pay in the navigation menu to enroll. 

Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently check my credit report and realized XXXX XXXX reporting so many late payments, I have contacted the credit bureau about this issue, and it hasn't been fixed .... As a US citizen of the United states I believe this is completely unfair because this issue is damaging my reputation!! I am being denied credit, and my credit score has decrease dramatically. I do not recall ever being late all my car payments. Under TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation is supposed to promote the accuracy, fairness, and privacy of consumer information and It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports so I am asking for you guys to please fix this issue ... Thank you so much!!! I appreciate you taking the time to read my statement.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-05-30
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. (NC)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

I had to renew my home mortgage, they showed a debit with XXXX XXXX. 
This debit I did not make and has no place on my credit score. 
I believe cfpb has already addressed this account if not I have no knowledge of it.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IN)

I am a new customer to Citibank and just recently opened a new checking and savings account. As soon as I received confirmation that my account had been opened I setup my XXXX so that I can receive money from my employer and relatives. On Monday, XXXX, XXXX XXXX my father sent me a XXXX for {$3500.00} and sent {$130.00} the very next day so that I can pay my mortgage before it reaches foreclosure. I process the payment on Tuesday XX/XX/XXXX and checked my online account with Citibank to find out that my account was been blocked. I reached out to Citibank to find out why it was blocked and was told that cant help me until I received a letter in the mail with a reference number. I asked the rep if I can step into the bank to be verified and was told no ; that the only way for me to be verified was by the reference XXXX  on the letter. Currently I have my mortgage payment froze in my Citibank account hoping that it can be paid before my house goes into foreclosure. Ive emailed XXXX and Im still waiting for a response.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America targeted me for an offer of XXXX XXXX miles upon opening a new credit card with them. I applied for and was approved, and only received XXXX XXXX miles. I was told I was not credit worthy. I have a credit score above XXXX, top 1 % of income, and a perfect payment history. This is a blatant bait and switch. I was offered to apply again, with the SAME CREDIT SCORE, SAME CREDIT HISTORY, and was given no guarantee that the promise of the missing XXXX miles would be kept. This is dishonest advertising, and disrespectful handling of a mishandled situation. They should make good on their promise, and give me the missing XXXX miles. They should not further string me along with the false promise that I will qualify for a larger credit line with a second application. This is dishonest.
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

The companies listed has charge off several accounts on my credit report, but have not sent me a 1099 C. 
I'm requesting a 1099 c for all accounts that have been charged off.

If 1099 C is not sent. I will like for my credit report to be. updated to account paid in full, and charge off 's deleted.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NC)

Nordstrom is unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$890.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. Nordstrom has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against Nordstrom. I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax Dispute P.O Box XXXX XXXX, GA XXXX To Whom It May Concern, I sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DEPT OF ED/XXXX  ( xxxxxxxxxxx XXXX XXXX Thanks in advance to your timely response to this request. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (TX)

This account shows conflicting dates of last activity across the credit bureaus. Experian reports the last active date was XXXX, while XXXX reports that nearly one month later. This inconsistency is a violation of the Fair Credit Reporting Act, as it inaccurately extends the reporting period and harms my credit score.

This is an inaccurate payment history reporting. If the information is coming from the original creditor, the dates should be the same. We can not say this account is 100 % accurate so it is deemed INACCURATE. Please delete from my credit report. 

This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX looks to have found several inconsistencies and deleted this erroneous information. Experian and XXXX failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (TN)

XX/XX/XXXX i sent a certified mail to XXXX. Disputing the unverified acounts on my credit report. XXXX sent me a redit report XX/XX/2021. Showing that the account from XXXX. XXXX XXXX was removed and deleted from my report ; XX/XX/2021 on the report. The account was closed with an amount of {$8800.00}. And a last payment of {$100.00}. XX/XX/2021 XXXX report. The account closed on my XXXX via XXXX XXXX. XX/XX/XXXX, XXXX removed the late payments from the account. Then on XX/XX/2021. XXXX XXXX XXXX, XXXX  report the account open with a balance of {$10000.00}. Which is inaccurate i disputed with bureau and they informed me via phone call that it will be removed. XX/XX/2021. The account was closed with an amount of {$11000.00} with a last payment of XX/XX/2021. Which is inaccurate. The then, XX/XX/2021. The account was opened again with a balance of XXXX. In addition the very next day XX/XX/2021. The account was closed and removed from the report. They fail to verify the account and remove the inaccurate information. I been disputing this account since XXXX. XXXX refuses to solve this issue with the credior and is causing me Financial injury. This harmful inaccurate information is causing distress. XXXX  need to resolve this complaint immediately. Via section 609 of the fair credit reporting act.
Consumer complaint received 2021-04-16
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (PA)

Discover claims they notified me that they were closing my card because I didn't use it enough. They didn't. They also didn't send me any kind of electronic communication stating that they would be closing my account. 

By doing so, they caused a SEVERE drop in my credit score. I have had this card for YEARS and I have never had this issue. It is a backup emergency card that I use WHEN NEEDED. 

Apparently, Discover isn't interested in my business since I'm not in credit card debt and I know how to pay my balances in full. 

They're not making any money off me so they don't want me to have an account with them. PRETTY CONVENIENT! Oh wait, no ... not convenient at all. What good is a card if it can't be used in an emergency? 

STICK WITH YOUR LOCAL CREDIT UNION AND DON'T BOTHER DOING BUSINESS WITH THIS FRAUDULENT COMPANY.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA (TX)

RE : Dispute of Inaccurate Information Account # XXXX I am writing to dispute the reporting of a charge-off on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is KIA.

According to the IRS, a charge-off is considered gross or ordinary income because it represents canceled debt. Under U.S. tax laws, canceled debt is classified as income, and as such, income can not be legally reported on a consumer credit report. Reporting such an account as a charge-off on my credit report is a misrepresentation of the nature of the debt and its treatment under federal law.

A charge-off, as income, should not be considered a credit obligation under the FCRA and thus should not be reflected on my consumer credit report. Reporting it in this manner is misleading and could result in inaccurate information being used to assess my creditworthiness. 
In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that this matter be investigated and that the inaccurate information be removed or corrected immediately. Please provide written confirmation that the charge-off has been removed from my credit report or that a correction has been made.

I have enclosed a copy of my credit report with the incorrect charge-off highlighted for your reference. I look forward to receiving your prompt response to this matter within the 30-day time frame as required by the FCRA.
Consumer complaint received 2021-04-16
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. (IN)

Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between XXXX  and Equifax. Delete immediately.
Consumer complaint received 2021-04-16
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. (NY)

I am having an issue getting fraudulent information Blocked from my credit file. I sent in originally a copy of my police report. There were several Fraudulent accounts and most were blocked but I believe that whatever representative processed the paperwork must of missed one of the fraudulent accounts. This account is with XXXX XXXX act XXXX and XXXX XXXX XXXX XXXX. I am in the process of moving due to the Covid-19 and due to my credit score I am not able to submit an application.
Consumer complaint received 2016-11-05
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My debit card was stolen on XXXX 2010 and was reported to bank of America suddently. Now i have in my public record a judgement ( Bank of america ACCOUNT XXXX Court XXXX cnty reg mi, Filing Date XXXX XXXX, 2010 Amount {$14000.00} ) that is damaging my credit and my life, making impossible to me get credit from any bank agency. i can understand how they paid that amount in a fraudulent transaction if i only have in my account {$200.00} at that time when my purse was stolen with all my documents and was reported inside the bank premise. 
Please I want your assistant in this matter to solve it once for ever. 
Sincerely XXXX XXXX
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

XX/XX/14-I was in the grocery store and when I checked out my card was declined. Shocked because I knew over {$2000.00} was in my account. I tried to withdraw cash and I couldnt. Got a message saying card is restricted. 
I proceeded to go to Citibank on XXXX where I do my banking. They said they saw nothing wrong with my account and it should not be frozen. They said they couldnt unblock it in the branch without calling Citibank customer service which we did. They said they couldnt unblock it either. Long story short, I called every dept I could, over 10 calls and NO ONE will tell me why my account is frozen. 

XX/XX/15 I tweeted for help, emailed executives and nothing. I have no access to my MY MONEY and this is my business account. A client was told my account is frozen. This is unacceptable! I cant even buy food, pay bills, employees, etc. Its one thing to freeze an account, its another not to tell me why! 

Enough said.