davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I opened a Capital One 360 Savings account with an initial balance of {$50000.00}. The {$50000.00} was debited from my XXXX checking account and credit to my Capital One 360 Savings account on XX/XX/XXXX. I signed up with an offer code XXXX that had the following terms : " Open a 360 Performance Savings account between XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX. XXXX on XX/XX/XXXX. When you open your account, enter your promotional XXXX. If you have or had an open savings and/or money market account, excluding CDs, as a primary or secondary holder with Capital One on or after XX/XX/XXXX, youre ineligible for the bonus. This account is subject to approval. 
Deposit a total of $ XXXX {$50000.00} or more of new money from an external bank ( transfers between Capital One accounts will not qualify ) within the first 10 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained a daily balance of {$10000.00} or more for 90 days following the Initial Funding Period. Your bonus will be calculated as follows : an account with a daily balance between $ XXXX {$19000.00} will earn {$100.00} ; $ XXXX {$29000.00} will earn {$200.00} ; $ XXXX {$39000.00} will earn {$300.00}, $ XXXX {$49000.00} will earn {$400.00} ; balances of {$50000.00} or more will earn {$500.00}. If at any time during the 90 days following the Initial Funding Period your daily balances drop into a lower balance tier, you will be rewarded that tiers cash bonus. If your daily balance decreases to an amount less than {$10000.00}, you will not qualify for a cash bonus. 
This offer can not be combined with any other Capital One 360 new savings account opening offer, including savings accounts opened through Refer A Friend. Only one promotional code is accepted. Bonus is only valid for one account. 
Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them. '' I maintained a balance of at least {$50000.00} for 96 days, at one point I had over {$120000.00} in the account. After 96 days, on XX/XX/XXXX, I transferred the majority of the funds back to my XXXX checking account. Capital One was supposed to deposit the {$500.00} to my Capital One 360 Savings account within 60 days, or by XX/XX/XXXX. They have failed to do so. I have contacted them multiple times and they keep giving me the runaround. They agree that I was supposed to get the bonus but they keep blaming " the system '' and promising to call me back but never do. The most frustrating part is that every time I call I am told they are notating the account about the issue and yet every subsequent call they claim to have no record of my previous calls.
Consumer complaint received 2023-07-26
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: 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (NJ)

I keep receiving letters from Chase Card Services for an alleged credit card debt of {$7100.00}. I have enough letters to wallpaper my house with from Chase. 

I called the number listed in their letter, XXXX and asked how do I get these constant letters to stop? I was told I was on the with a debt collector and that letters would not stop until I paid the alleged debt.
Consumer complaint received 2020-08-28
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)

Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : Comenity Capital Bank refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. Comenity has reported this on my credit report. This has negatively effected my good credit score. Comenity sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (KY)

XXXX XXXX ( property management company ) reported I had an unpaid debt from an apartment I lived in almost two years ago. This had to do with pet damage and payments were made to the office. No invoices were provided and no verification was provided that debt was paid in full. When I attempted to contact the management at the apartment complex after payment to inquire about the final payment, I received no return call or return email. I NEVER received an invoice in the mail or notification that this debt was not paid. The apartment complex was XXXX XXXX in XXXX, KY and I understand that the management company no longer manages the property. 

After being contacted by Rent Recovery Solutions and told that I had a collection of {$1000.00}, I contacted XXXX  XXXX to speak with the management about the matter. I was informed that XXXX no longer managed the property and I would need to contact Inland directly - which I did. I called and spoke to someone about the claim and she stated someone would call me back to discuss - which they never did. 

Being that this occurred so long ago, my daughter and I have tried to find the various sources of payments we made. This accounted for almost {$600.00} of the debt ( not counting the check my daughter wrote in my presence and handed to management which they NEVER cashed. This information was submitted to XXXX. I have attempted to contact them again via email and by telephone numerous times and have left at least 3 voicemails. This dispute is now showing on my credit and I want to make sure it goes no further. This is showing on both mine and my daughter 's credit in dispute. I work for a mortgage company and I know what something like this can do to my credit score. We moved out of our apartment in XX/XX/2019 and the payments were made through XXXX. The new management at XXXX did tell me that they have had numerous complaints from others in the same situation with regard to the old management company. 

All I want to know is that this matter is not going to report as a collection. In talking to Mrs. XXXX at Rent Recovery, she gave me two wrong email addresses to send my documentation to and now that I finally had it submitted, I now can not get hold of her or anyone to tell me what is going on. Please help me find out what is going on.
Consumer complaint received 2023-03-22
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. (TX)

i filed disput with experian about a collection accout medical debt from XXXX financial for {$680.00} i sent proof the to both experian and XXXX that i'm on texas medicaid been on it since 2016 that they can not do balance billing.. i want to the er for an emergency they then bills from differnt dr saying they do not accept medicaid i told them im protected by state and federal law they refused to do anything reported it to the credit company experian they said we veryfied the debt is true .. witch is not it is a fraudlent bill
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. I dispute any debt these companies claims to have on me. You must stop all collection activities. Do not call my telephone number. If you were ever giving permission to call this telephone number I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2020 XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX To Whom It May Concerns : I recently sent your a dispute document requesting an investigation on inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : Acccounts- JPMCB CARD XXXX Reason- I paid this account on time in accordance with the terms and conditions of my contract. 

Once again I am notifying you that these items are not reported correctly for the reasons indicated, and I am asking you to reinvestigate them. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report.

Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC section 11681n and 1681o, which require your compliance with the law. 

Thank you for your time and attention to this matter.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NY)

I have a prepaid card that was issued on XX/XX/2020. On both XX/XX/2020 and XX/XX/2020, I was charged a " monthly service fee '' of {$3.00}. I believe that charging such a fee on this prepaid card, especially so soon after issuance, is in violation of the federal CARD Act and/or N.Y. General Business Law 396-i.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I am appalled by the fact that Citi did not remove this late remark that completely violates the FCRA. 

I have contacted the Consumer Financial Protection Bureau and the Federal Trade Commission because your company is reporting me 30 days past due from the {$450.00} membership fee that was placed on my account in XX/XX/2020. 

When I initially applied for this card, the {$450.00} fee was automatically going to be taken out with the checking account information I provided during the application process. I even contacted Citi and was told that no minimum was due at the time, NOT even the internal membership fee. 

This is not a true representation of my payment history as I did not spend one penny on this account before your company reported me 30 days past due. This is against my consumer rights to report information based off a fee that Citi applied to this account. Especially, when this was scheduled to be paid when I applied for this card. 

Your company CAN NOT report me 30 days past due! I was never informed by your company of ANY membership fee that was going to be applied when the card opened. How can your company report a fee on this account when XXXX NEVER used it. How can your company report me 30 days past due when I never used the card? This is completely unethical and I need further explanation.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2020-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I just tried to submit a dispute with Experian credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... XXXX XXXX XXXX XXXX ... that is reporting as delinquent. I purchased something from this company back in XXXX of XXXX I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my Experian report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.
Consumer complaint received 2019-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I was called from what I thought was my tax preparer stating my  refund is pending and they were waiting on a payment and to sent it through cash app. XX/XX/XXXX When I sent the {$850.00} to the recipient.i called my tax preparer to see if she received my payment and my tax preparer stating she never received the funds. Tried to refund the money by cash app from the person who received it and they wont return my funds, they have declined my request and I contacted my XXXX XXXX and they have declined my request on XX/XX/XXXX. Cash app stated they would retrieve my funds but I can not contact a live person to speak with.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

I had files a complaint before and CITI Bank agreed to send me a check for {$920.00} which I was to receive within 5 to 7 business days. See CITI reference number : XXXX. Their response to my prior complaint was dated XX/XX/2020. Today is XX/XX/2020 and the money still has NOT been received, I called the phone number that was noted in their response to my my prior complaint, XXXX. When the representative answered she stated that she had no information on the above noted CITI reference number and that she would open a new case and that a response could take up to 15 business days. This has been dragging since XX/XX/2020 and just another stall tactic that CITI uses. I want them to send me my {$920.00} that they agreed to pay immediately.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Services has me in collection with the wrong DOFD and a different amount that I was not able to pay the original creditor. I have disputed these mistakes more than 10 times to all the credit bureaus. XXXX and XXXX refuse to investigate this error and it is financially harming me. 

The actual DOFD was in XX/XX/XXXX according to XXXX XXXX report. XXXX has my DOFD as of XX/XX/XXXX. Portfolio Recovery Services has an account opening date of XX/XX/XXXX. The original amount past due was {$1600.00}, Portfolio Recovery is requesting me to pay {$1900.00}. I have tried to contact them and they do not reply. I have contacted the credit bureaus and as I mentioned they send me a computerized form that says the information on the credit report is right. The bureaus are not investigating this issue, I have personally called the credit bureaus and I am told it would be removed but nothing happens. 

Please help me.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (TX)

I have a Citibank AAdvantage XXXX. This is my oldest credit card account ( XXXX years ) and is a major positive contributor to my credit rating since I have a perfect payment record. 

For some years, this card has not reported properly to XXXX and does not show up on my XXXX credit report, although it reports properly to both XXXX and XXXX. 

XXXX claims that the problem is on the Citibank end. I have contact Citibank 's Credit Dispute Unit multiple times by letter ( in XXXX, XXXX, and XXXX of 2021 ). Each time I get a form letter back saying that they have " requested that the consumer reporting agencies begin to report this account ''. They take the same action each time, even though my letters clearly state that this has not worked and the issue needs escalation. 

There is no apparent way to escalate this issue, since Citibank 's customer service simply states that all credit dispute requests must be put in writing, and Citibank 's XXXX support states that the Credit Dispute Unit is an " offline organization '' and does not engage with their normal support channels. 

My belief is that this is a simple technical glitch that could be resolved quickly, but there is no way to escalate it for resolution between the XXXX entities ( Citibank and XXXX ).
Consumer complaint received 2021-11-29
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX****-Balance {$200.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$1600.00}
Consumer complaint received 2020-11-15
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: EQUIFAX, INC. (MS)

On XX/XX/2020, i sent a letter requesting verification of inaccurate accouts showing on my credit report. I have not received a response yet.